ASSET BUILDING COURSE CATALOG
Transcription
ASSET BUILDING COURSE CATALOG
ASSET BUILDING COURSE CATALOG SUMMER 2016 These workshops are free and open to the public www.heartlandalliance.org/assetbuilding Talleres en español incluidos Copyright © 2015 Asset Building Team of Heartland Human Care Services, Inc. All rights reserved . What is an asset? An asset is anything that contributes to an individual’s or family’s economic stability, including a home, a savings account, retirement account, or a college degree. WORKSHOP DESCRIPTIONS Spend and Save for the Future You Want Discover how your values impact your spending, saving, and goals. Make Every Cent Count Find creative ways to cut costs, new ways to save, and meet your financial goals. Banks, Credit Unions & More Avoid fees! Learn the pros Save for the Big Things We’ll teach you how to get the best rates when buying big ticket items. Predatory Lending Participants attending this workshop learn about the most common strategies that predatory lenders use to lure unsuspecting consumers, and how to protect themselves from unfair practices. and cons of using banks, credit unions, prepaid cards, currency exchanges and when to use each. Credit Scores – What Hurts & What Helps Confused by credit? Learn what credit is, when to use it, and how to understand your credit report and score. Get Help with your Credit Problems Learn to improve your credit, deal with collections, repay your debt, and overcome identity theft. Your Financial Story & Why it Matters Explore how your relationships influence your finances, discuss how to resolve conflicts about money, and how to pass on positive financial habits. Community Resources Learn about benefits and what your family may be eligible for! P LEASE CALL TO RSVP TWO DAYS IN ADVANCE Contact names & numbers are listed next to event titles. By letting us know that you will attend, we can come prepared with the correct number of copies for the group and we will also be able to let you know about any schedule changes. Talleres en español Sus valores, su dinero y su futuro Todo el mundo gasta su dinero según sus valores y prioridades. En este taller usted descubrirá cómo sus valores afectan su manera de gastar y ahorrar. Cada centavo cuenta En este taller hablaremos del proceso de crear un presupuesto realístico. Ofreceremos ideas para organizar sus pagos. Benefíciese de su crédito ¿Usted está confundido sobre su crédito? Hablaremos de lo que es el crédito, cuándo se usa, cómo conseguirlo y cómo comprender su reporte y puntaje de crédito. NOT SURE WHICH WORKSHOP TO ATTEND??? Check out our workshop referral guide below for assistance or talk to one of our Asset Development Coordinators!!! RESPONSE Some No Yes what 1 Do you know how to set and accomplish financial goals? 2 Are you comfortable with your spending habits? 3 Are you able to pay your monthly expenses in full? 4 Are you satisfied with the amount of money you save? 5 Do you track your income and spending on paper or electronically? Do you receive your earnings from work by a method other than a paper paycheck or 6 direct deposit into a bank account? (Payroll card, for example.) Type: ______________ Have you paid fees to use your own money (overdraft fees, currency exchange fees, 7 cash advance fees, etc.)? 8 Do you understand how credit works? 9 Have you ever requested your own credit report and reviewed it? Are you confident about the contents of your credit reports and the accuracy of your 10 credit scores? 11 Do you know how to fix incorrect information on your credit report? 12 Do you know where the reputable resources are for credit and debt counseling? 13 Are you concerned about how much money you owe? Have you been contacted by debt collection agencies within the last year by mail, email 14 or phone? 15 Have you ever applied for and received a payday loan? Have you ever had a car or other type of personal property repossessed for 16 nonpayment? 17 Are you preparing for a major purchase such as a car or home? Questions 1 - 2 If you answered “No” to either of these questions, you may wish to attend: “Spend & Save for the Future You Want” Questions 3 - 5 If you answered “No” to any of these questions, you may wish to attend: “Make Every Cent Count” Questions 6 - 7 If you answered “Yes” to either of these questions, you may wish to attend: “Banks, Credit Unions, and More” Questions 8 - 11 If you answered “No” to any of these questions, you may wish to attend: “Credit Scores - What Hurts & What Helps” Questions 12 - 16 If you answered “Yes” to any of these questions, you may wish to attend: “Get Help with Your Credit Problems” Question 17 If you answered “yes” to this question, you may wish to attend: “Save for the Big Things” N/A GROUP GUIDELINES The following guidelines are designed to help us stay focused on our journey towards better money management. PROMPTNESS Please arrive on time. If you come in after we have begun, please come in quietly. RESPECT Give your undivided attention to the person who is speaking (no cross-talking or interruptions). Respect the views of other group members. While we won’t agree on everything, tolerance and acceptance is essential. Please silence your phones. CONFIDENTIALITY Personal information that is shared in the group should remain in the group. PARTICIPATION Share your thoughts and feelings, offer support, encouragement and suggestions if sought. It is always okay to pass. CHILDREN Although you may bring your children with you, our classes are designed for adults. If your children are with you, please keep them quiet and keep close watch on them. CURIOSITY If you have a question, please ask! SOUTH SIDE SERIES WORKSHOP TITLE DATE TIME Spend & Save for the Future You Want Fri, 7/8 10:00am-12:00pm Make Every Cent Count Fri, 7/15 10:00am-12:00pm Banks, Credit Unions, & More Fri, 7/22 10:00am-12:00pm Credit Scores: What Helps & What Hurts Fri, 7/29 10:00am-12:00pm Get Help With Your Credit Problems Fri, 8/5 10:00am-12:00pm Save For the Big Things Fri, 8/12 10:00am-12:00pm Your Financial Story & Why It Matters Fri, 8/19 10:00am-12:00pm Community Resources W, 7/20 10:00am-12:00pm Predatory Lending M, 7/25 5:00pm-7:00pm Banks, Credit Unions & More M, 8/8 2:00pm-4:00pm Credit Scores: What Helps & What Hurts T, 9/6 3:00pm-5:00pm LOCATION CONTACT Heartland Alliance: Englewood 400 W. 76th St., Suite 112 Heartland Alliance: Englewood 400 W. 76th St., Suite 112 Heartland Alliance: Englewood 400 W. 76th St., Suite 112 Heartland Alliance: Englewood 400 W. 76th St., Suite 112 Heartland Alliance: Englewood 400 W. 76th St., Suite 112 Heartland Alliance: Englewood 400 W. 76th St., Suite 112 Heartland Alliance: Englewood 400 W. 76th St., Suite 112 Sarah 773.358.3838 x2645 Karen 773.336.6048 Sarah 773.358.3838 x2645 Tawana 312.909.1930 Earlisha 773.358.3838 x2684 Latesha 312.909.1892 Lance 773.358.3838 x2683 Heartland Alliance: Hyde Park 1709 E. 53rd St. Centers For New Horizons 226 E. 43rd St. Chicago Public Library - Avalon Branch Shannan 773.830.5950 Dorien 312.909.1928 East Meeting Room 8148 S. Stony Island Avenue Chicago Public Library - Blackstone Branch 4904 S. Lake Park Ave. Andrés 773.830.5935 Andrés 773.830.5935 NORTH SIDE SERIES WORKSHOP TITLE Spend and Save for the Future You Want Spend and Save for the Future You Want DATE TIME Th, 7/14 2:00pm-4:00pm M, 7/25 6:00pm-8:00pm Make Every Cent Count T, 8/9 2:00pm-4:00pm Credit Scores: What Helps & What Hurts Th, 8/11 2:00pm-4:00pm Banks, Credit Unions & More T, 9/13 2:00pm-4:00pm Make Every Cent Count M, 9/26 6:00pm-8:00pm LOCATION Heartland Alliance: Ravenswood 4411 N. Ravenswood St., 3rd Floor CONTACT Shannan 773.830.5950 Heartland Alliance: 1207 W. Leland Leland Community Room Heartland Alliance: Ravenswood 4411 N. Ravenswood St., 3rd Floor Heartland Alliance: Ravenswood 4411 N. Ravenswood St., 3rd Floor Heartland Alliance: Ravenswood 4411 N. Ravenswood St., 3rd Floor Heartland Alliance: 1207 W. Leland Leland Community Room Liza 312.848.2036 Andrés 773.830.5935 Shannan 773.830.5950 Andrés 773.830.5935 Liza 312.848.2036 Near North Side Save for the Big Things Th, 7/14 6:00pm-8:00pm Your Financial Story & Why it Matters Th, 8/11 6:00pm-8:00pm Spend and Save for the Future You Want Th, 9/8 6:00pm-8:00pm Parkside: 544 W. Oak St. Holsten Community Room, 3rd Floor Parkside: 544 W. Oak St. Holsten Community Room, 3rd Floor Parkside: 544 W. Oak St. Holsten Community Room, 3rd Floor Karen 773.336.6048 Karen 773.336.6048 Karen 773.336.6048 WEST SIDE SERIES WORKSHOP TITLE DATE TIME LOCATION CONTACT Get Help With Your Credit Problems W, 7/13 6:00pm-8:00pm Heartland Alliance: Harvest Commons 1519 W. Warren Blvd. Hannah 773.830.5935 Spend and Save for the Future You Want W, 8/17 2:00pm-4:00pm Heartland Alliance: Harvest Commons 1519 W. Warren Blvd. Andrés 773.830.5935 Make Every Cent Count W, 9/14 2:00pm-4:00pm Heartland Alliance: Harvest Commons 1519 W. Warren Blvd. Andrés 773.830.5935 SPANISH LANGUAGE SERIES WORKSHOP TITLE DATE TIME LOCATION CONTACT Sus valores, su dinero y su futuro Th, 7/14 3:00pm-5:00pm Heartland Alliance: Bridgeport 1200 W. 35th Street Barbara 312.909.1911 Benefíciese de su crédito J, 8/18 10:00am-12:00pm Heartland Alliance: Bridgeport 1200 W. 35th Street Claudia 773.358.3838 x2648 Cada centavo cuenta W, 9/14 10:00am-12:00pm Heartland Alliance: Los Vecinos 4250 W. North Avenue Andrés 773.830.5935 SATURDAY SERIES WORKSHOP TITLE DATE TIME LOCATION CONTACT Make Every Cent Count S, 7/9 10:00am-12:00pm Heartland Alliance: Englewood 400 W. 76th St., Suite 112 KP 312.257.0136 Banks, Credit Unions & More S, 8/13 10:00am-12:00pm Heartland Alliance: Englewood 400 W. 76th St., Suite 112 Lance 773.358.3838 x2683 Credit Scores: What Helps & What Hurts S, 9/10 10:00am-12:00pm Heartland Alliance: Englewood 400 W. 76th St., Suite 112 KP 312.257.0136 JULY SCHEDULE WORKSHOP TITLE DATE TIME Spend and Save for the Future You Want F, 7/8 10:00am-12:00pm Make Every Cent Count S, 7/9 10:00am-12:00pm Get Help With Your Credit Problems W, 7/13 6:00pm-8:00pm Spend and Save for the Future You Want Th, 7/14 2:00pm-4:00pm Save for the Big Things Th, 7/14 6:00pm-8:00pm Make Every Cent Count F, 7/15 10:00am-12:00pm Community Resources W, 7/20 10:00am-12:00pm Banks, Credit Unions & More F, 7/22 10:00am-12:00pm Predatory Lending M, 7/25 5:00pm-7:00pm Spend and Save for the Future You Want M, 7/25 6:00pm-8:00pm Credit Scores: What Helps & What Hurts F, 7/29 10:00am-12:00pm TALLERES EN ESPAÑOL Sus valores, su dinero y su futuro AUGUST SCHEDULE W T TIME Th, 7/14 LOCATION Heartland Alliance: Englewood S 400 W. 76th St., Suite 112 Heartland Alliance: Englewood S 400 W. 76th St., Suite 112 Heartland Alliance: Harvest Commons W 1519 W. Warren Blvd. Heartland Alliance: Ravenswood N 4411 N. Ravenswood St., 3rd Floor Parkside: 544 W. Oak St. N Holsten Community Room, 3rd Floor Heartland Alliance: Englewood S 400 W. 76th St., Suite 112 Heartland Alliance: Hyde Park S 1709 E. 53rd St. Heartland Alliance: Englewood S 400 W. 76th St., Suite 112 Centers For New Horizons S 226 E. 43rd St. Heartland Alliance: 1207 W. Leland N Leland Community Room Heartland Alliance: Englewood S 400 W. 76th St., Suite 112 AREA LOCATION Heartland Alliance: Bridgeport S 1200 W. 35th Street CONTACT Sarah 773.358.3838 x2645 KP 312.257.0136 Hannah 773.830.5935 Shannan 773.830.5950 Karen 773.336.6048 Karen 773.336.6048 Shannan 773.830.5950 Sarah 773.358.3838 x2645 Dorien 312.909.1928 Liza 312.848.2036 Tawana 312.909.1930 CONTACT Barbara 312.909.1911 CONTACT Earlisha 773.358.3838 x2684 TIME AREA Get Help With Your Credit Problems F, 8/5 10:00am-12:00pm S Banks, Credit Unions & More M, 8/8 2:00pm-4:00pm Make Every Cent Count T, 8/9 2:00pm-4:00pm Credit Scores: What Helps & What Hurts Th, 8/11 2:00pm-4:00pm Your Financial Story & Why it Matters Th, 8/11 6:00pm-8:00pm Save for the Big Things F, 8/12 10:00am-12:00pm Banks, Credit Unions & More S, 8/13 10:00am-12:00pm Spend and Save for the Future You Want W, 8/17 2:00pm-4:00pm Your Financial Story & Why it Matters F, 8/19 10:00am-12:00pm ORKSHOP ITLE TALLERES EN ESPAÑOL Benefíciese de su crédito DATE 3:00pm-5:00pm AREA DATE J, 8/18 SEPTEMBER S CHEDULE W T D ORKSHOP ITLE ATE Credit Scores: What Helps & What Hurts T, 9/6 Spend and Save for the Future You Want Th, 9/8 Credit Scores: What Helps & What Hurts S, 9/10 Banks, Credit Unions & More T, 9/13 Make Every Cent Count W, 9/14 Make Every Cent Count M, 9/26 TALLERES EN ESPAÑOL Cada centavo cuenta DATE W, 9/14 TIME 10:00am-12:00pm TIME LOCATION Heartland Alliance: Englewood 400 W. 76th St., Suite 112 Chicago Public Library - Avalon Branch S East Meeting Room 8148 S. Stony Island Avenue Heartland Alliance: Ravenswood N 4411 N. Ravenswood St., 3rd Floor Heartland Alliance: Ravenswood N 4411 N. Ravenswood St., 3rd Floor Parkside: 544 W. Oak St. N Holsten Community Room, 3rd Floor Heartland Alliance: Englewood S 400 W. 76th St., Suite 112 Heartland Alliance: Englewood S 400 W. 76th St., Suite 112 Heartland Alliance: Harvest Commons W 1519 W. Warren Blvd. Heartland Alliance: Englewood S 400 W. 76th St., Suite 112 AREA LOCATION Heartland Alliance: Bridgeport O 1200 W. 35th Street AREA LOCATION Andrés 773.830.5935 Andrés 773.830.5935 Shannan 773.830.5950 Karen 773.336.6048 Latesha 312.909.1892 Lance 773.358.3838 x2683 Andrés 773.830.5935 Lance 773.358.3838 x2683 CONTACT Claudia 773.358.3838 x2648 CONTACT Andrés 3:00pm-5:00pm S 4904 S. Lake Park Ave. 773.830.5935 Parkside: 544 W. Oak St. Karen 6:00pm-8:00pm N Holsten Community Room, 3rd Floor 773.336.6048 Heartland Alliance: Englewood KP 10:00am-12:00pm S 400 W. 76th St., Suite 112 312.257.0136 Heartland Alliance: Ravenswood Andrés 2:00pm-4:00pm N 4411 N. Ravenswood St., 3rd Floor 773.830.5935 Heartland Alliance: Harvest Commons Andrés 2:00pm-4:00pm W 1519 W. Warren Blvd. 773.830.5935 Heartland Alliance: 1207 W. Leland Liza 6:00pm-8:00pm N Leland Community Room 312.848.2036 TIME AREA LOCATION CONTACT Heartland Alliance: Los Vecinos Andrés 10:00am-12:00pm N 4250 W. North Avenue 773.830.5935 Chicago Public Library - Blackstone Branch LOCATIONS NORTH SIDE LOCATIONS Heartland Alliance - 4411 N. Ravenswood Avenue, 3rd Floor This office is East of the Metra tracks on Ravenswood (3 blocks West of Ashland). It is accessible from the Brown Line Montrose station and #78 bus. Parkside - 544 W. Oak Street, 3rd floor Community Room This office is located between Chicago Ave. & Division and is near public transportation. Street parking is also available. Heartland Alliance: Leland Apartments - 1207 W. Leland Avenue This building is located near Racine & Lawrence and is accessible via the Red Line Wilson station, as well as the #36 Broadway bus and #81 Lawrence bus. Street parking is available. WEST SIDE LOCATIONS Heartland Alliance: Los Vecinos - 4250 W. North Avenue This site is at the corner of North and Kildare. Metered parking is available. Heartland Alliance: Harvest Commons - 1519 W. Warren Avenue The building is located between Ashland and Ogden on Warren Avenue. It is accessible via the Blue Line Ashland station, as well as the #9 Ashland bus and #20 Madison bus. SOUTH SIDE LOCATIONS Heartland Alliance - 1709 E. 53rd Street This office is accessible by the #6 bus (exit at South Hyde Park & 53rd Street). Street parking is also available. Heartland Alliance: Englewood - 400 W. 76th Street, Suite 110 This office is located one block west of Vincennes Avenue in the Stewart Business Building (which has a big cell phone tower on top). Press “start” and enter “027” to ring the buzzer. Parking is available behind the building. Also accessible by the Red Line train to 79 th St, take the #74/75 bus to 75th & Vincennes, walk one block west. Chicago Public Library: Avalon Branch - 8148 S. Stony Island Avenue This library is located on Stony Island at 82nd St. It is accessible from the 69th Red Line Station and #30 Bus. When you enter the facility, please ask to be directed to the East Meeting room. Chicago Public Library: Blackstone Branch - 4904 S. Lake Park Avenue This library is located on just west of Lake Park Avenue at 49th Street. It is accessible via the #2. #6 and #28 buses, as well as the #47 bus from the Red and Green 47th street CTA train line stops. Centers For New Horizons - 226 E. 43rd St. This office is located on the corner of 43rd & Prairie; two blocks west of King Drive. It is accessible via the Blue Line at the 43rd St. stop, as well as the #43 43rd Street and the #3 King Drive bus. Street parking is also available. Heartland Alliance: Bridgeport -1200 W. 35th Street, Suite 5500 Located in the Bridgeport Arts Center, this office is about a 20 minute walk from the Orange Line Ashland station. It is accessible by the #35 and #9 buses. Please enter on North side of the building off of Racine/34th. Free parking is located in back. Please ensure that you park in the North lot (the one furthest from the building); if you park in the front lot you may be towed. Street parking is also available. Gain entry to the building by searching for “Heartland Alliance” on the keypad next to the interior door or dialing #188 directly. Take the elevator to “5R” and turn right. For public transportation directions, call the CTA at (312) 836-7000 or log on to the CTA’s website at www.transitchicago.com WORKSHOP ATTENDANCE POLICY If you miss more than 15 minutes of a workshop, you will not receive full credit for attending the workshop; however, partial credit will be given based on the chart on the right. TIME PRESENT CREDIT GIVEN 1:45 - 2 Hours Full Credit 45 Minutes - 1:45 Half Credit 0 - 45 Minutes No Credit