October 13

11:30am-12:20pm 101 Basics on Financial Institutions, Products, & Services Teresa Shively, Gesa Credit Union & Matt Backlund, Sterling Savings Bank Most people have never been taught how to manage a checking account, having instead learned through trial and error. However, since a checking account is such an invaluable personal finance tool and maintaining a positive credit union relationship is so important, knowing how to use one correctly is vital - before costly mistakes are made. This workshop covers such fundamentals as keeping track of checks, monitoring statements, balancing an account, and other basic financial products and services. This workshop also covers the difference between a bank and a credit union.

12:30-1:20pm Budgeting & Life after Student Loans Teresa Shively, Gesa Credit Union Understanding the fundamentals of personal finance now is key to making wise money decisions in the future. Learn what you need to know by attending this workshop. This workshop spans the entire spectrum of personal finance – from financial aid to how to track spending and setting up a budget after school ends and student loans begin. The ultimate outcome? You'll be empowered to reach your goals via a solid financial foundation.

October 20

11:30am-12:20pm Driving Issues on Buying a Car Eldon Ladd, SE Washington Credit Union This workshop takes you through the entire process of buying a car; including advantages and disadvantages of buying new, used, or leasing. It will include financing options, interest rate considerations, and assist you in getting the best deal for your money.

12:30-1:20pm Financial Building Blocks Micki and Rick McKinnon, State Farm Insurance Remember the fun you had as a child playing with your building blocks? Well, when you attend this session you will have just as much fun, but you will also learn how all financial products fit together to create your own personal financial plan. "The future depends on what we do in the present." - Mahatma Gandhi. That is certainly true when it comes to your financial plan.

October 27

11:30am-12:20pm Credit Score: Does it Really Matter? Jeanette Radmer, Numerica Credit Union Credit scores impact every aspect of life! It can determine how much you pay for items, whether or not you can have that job, or even get auto insurance! This workshop will give you the tools to access your credit report and learn how to read it. More importantly, you will walk out the door with solid tips and tricks to clean up your credit and it keep it that way for good.

12:30-1:20pm Using a Credit Card Wisely: 0% NEVER Means No Cost Francine Waltman and Robert Gale, AmericanWest Bank Join this interactive workshop to learn the top 13 brief tips on wise and prudent credit card use, hone your skills and control credit card use, and learn how to use credit cards safely.

November 3

11:30am-12:20pm Building Your Nest Egg Dave Cox, Numerica Financial Services This workshop will focus on the importance of taking control of your own future through saving and investing. You will come away with tips and tricks for saving and spending. We will cover the basic investment principles and you will learn the difference between the various investment vehicles, including mutual funds, IRAs, annuities, and others.

12:30-1:20pm Life Happens: Domestic Relationships Law, Wills, Trusts, Probate, & Medicaid Planning Coke Roth and Tim Coleman, Roth*Coleman Attorneys & Counselors All manner of life's changes will be covered from start to finish. Broaden your understanding of personal issues today as you plan toward your future. The range of topics will hold value from emancipation to final plans and all the excitement in between.

November 10

11:30am-12:20pm The 411 on Renting/Tenant Law Linda Dukelow, Ben Franklin Rental Owners Association For nearly all of us, the largest check we will write month in and month out, year after year, for most of our lives will be for housing. Whether we are renting or buying we must know what our rights and responsibilities are to protect ourselves. This presentation will be loaded with information about the rights and responsibilities for both landlords and tenants, as well as a brief overview of the advantages of owning residential rental property.

12:30-1:20pm Home Buying, Now & in the Future Shawn Flinders, Global Credit Union This workshop discusses the benefits of home buying vs. renting, the home buying process, and preparing to become a homeowner – getting your finances in order. We will also discuss the process of buying a home from pre-approval to loan closing and beyond.

November 17

11:30am-12:20pm Payday Loans/Title Loans Laurie Tufford, Consumer Credit Counseling Service of the Tri-Cities Payday Loans: Let's go back to 1999. Ten years ago a payday loan was hardly heard of. Now they are an emergency financial "go to" for consumers each and every day. Unfortunately, they are also becoming a financial nightmare to many. With interest rates averaging more than 300%, this workshop will define what a payday loan is and the questions that a person should ask before signing on the dotted line.

12:30-1:20pm Identify Theft Cynthia Wood and Dan Orr, Banner Bank "Who steals my purse, steals trash, but he that filches from me my good name robs me of that which not enriches him but makes me poor indeed." - William Shakespeare. What can ID theft mean to you and what are some ways to prevent it? If it is too late, what can you do?

Monies provided by our sponsors support the CBC Foundation Scholarship program.