Seminar and Webinar Topics The following seminars and webinars are offered by your Credit Union:     Building a Better Budget Learn reasons to budget your money Learn common obstacles to getting started on your budget Learn about the key step you need to take before writing your budget Learn the 3 main components of a budget Learn how to overcome budget busters and how to stay motivated  Attend this webinar right now. Click on the links below and enter your name and email address to begin: Section 1 - Reasons to Budget (approx. 14 min.) Section 2 - Obstacles & Tracking (approx. 13 min.) Section 3 - The Budget (approx. 13 min.) Section 4 - Budget Busters & Resources (approx. 19 min.) You will need to download your Budgeting Charts before you begin.   Download the Building a Better Budget Seminar presentation.   A transcript of the Building a Better Budget seminar is also available. En Español - Elaborar un Presupuesto Mejor   Credit 101 Learn what your credit report contains Learn how your credit score impacts your financial life Learn techniques to improve your credit and credit score Download the Credit 101 Seminar presentation.   Basics of Wills, Trusts and Estates Learn about wills and why consumers need one Learn about trusts and why consumers need one Learn what happens if you die without a will Learn about Power of Attorney documents and living wills Auto Buying:  What the Dealers Don't Want You to Know Learn about the 5 steps to buying a car Learn about bump labels and how they differ from window stickers Learn about the dealer's back-end profit Learn the difference between trade-in value and actual cash value Learn the secrets about 0% financing at a dealership and why the credit union's financing might be a better deal How to Start Up and Operate a Successful Small Business Learn the 3 Cardinal Rules for Success Learn how SCORE can help entrepreneurs like you start-up and grow your business Learn how to start a Business Plan Credit Fraud and Identity Theft Learn about the sources of credit fraud & identity theft Learn how you can protect yourself from credit fraud Learn what you can do to detect credit fraud Learn how you can defend yourself if you become a victim of identity theft Learn about what resources are available for identity theft and fraud victims Download the Credit Fraud and Identity Theft Seminar presentation.   Smart Youth Finance Learn smart strategies for managing money Learn how to prepare for future bills Learn about opening and managing savings and checking accounts Learn about building credit and using it wisely Download the Smart Youth Finance Seminar presentation.   A transcript of the Smart Youth Finance seminar is also available.   Homebuyer Seminar Learn tips for buying a home Learn how you can finance a home Learn about home insurance Learn about real estate law and title Learn about new products such as interest-only mortgages, 40-year fixed mortgages and bi-weekly payment programs Learn about home buying and selling services Download the Homebuyer Seminar presentation.     Holiday Spending - Keeping it under control Holiday temptations and credit card usage Traditions and memories 10 tips to protect your budget Be proactive and prepared next year Download the Holiday Spending presentation.     Financial First Aid Take action during your time of financial crisis Inventorying your income and assets Reviewing and prioritizing your expenses and debts How to deal with creditors Be proactive to prevent another crisis Download the Financial First Aid presentation.     A transcript of the Financial First Aid seminar is also available.

EDUCATIONAL PODCASTS Listen to short, informative podcasts on a variety of financial topics. Click here for a listing of our available podcasts. EDUCATIONAL MODULES Basics of Investing (Conceptos Básicos Sobre Inversión) Car Buying (Drive Away Happy) (Viaje en Auto Feliz) Checking Account Management (Administración de la Cuenta de Cheques)  Credit Matters (Cuestiones Sobre el Crédito) Finances for College Students Financial Planning (Planificación Financiera) High Cost Financial Services (Servicios Financieros Costosos) Home Buying (The Road to Homeownership) (El Camino a la Casa Propia) Identity Theft (Robo de Identidad) Money Management (Gestión de Dinero) Teens and Money   The World of Credit Reports (El Mundo de los Informes de Crédito)