Financial Education Classes For the First Step to Your Goals

Transcription

1

2 Financial education classes can help with your financial goals. Whether you are looking to own a home, get and keep good credit, save money, get a checking account or you just want to take the first steps to better money management, Key can help. Classes at the Key Financial Education Center are FREE and open to the public. We look forward to seeing you at the Center, located next to the KeyBank branch at Buckeye Road. For more information or to sign up, call or us at financial_ education@keybank.com. Owning A Home classes. Buying a home for the first time can be a scary thing. Clear and helpful guidance can help. Our Homebuyer Education Program will give you a good understanding of the home buying process in five helpful sessions. Home Buyer Education: Our series of five, two-hour long classes, covering all aspects of the home buying process, are offered once a quarter over a period of 10 weeks. Classes include a series of guest speakers and interactive class activities. Start out by learning the importance of budgeting before and after you buy your home. In our second class, you discover how to find the right home, negotiating the price you pay and the advantages of working with a real estate agent. Choosing the right lender is next...including how to find the best loan and how to apply for a loan. The final step of your home loan is the focus of the fourth class. Learn about costs you can expect and how the HUD-1 settlement statement may benefit you. Our final class includes tips on home inspections and home maintenance to avoid costly repairs in the future. Congratulations! You ll then have the right knowledge to make great home buying decisions!

3 Getting and Keeping Good Credit classes. Key offers several classes to help you understand how to get and manage a credit card, the first steps to getting good credit and how to improve your credit record. Classes offered include: Budgeting and Money Management classes. Managing your money and making a budget can help you have more money at the end of the month. Key offers several goal-setting and budgeting classes to help you save more. Take Charge of Your Money: Use credit wisely Set up a spending plan Recognize signs and dangers of predatory lending Credit Smart: Know basic credit terms and definitions Understand your credit rating and how it affects your interest rate How to maintain good credit The basics of a spending plan To Your Credit: Understand your credit report Order and read your credit report Repair your credit Recognize credit repair scams Charge It Right: Understand credit card basics Know the costs of using a credit card Potential problems with credit card use Access Your Money: Recognize the amount of money you can handle in a lifetime Compare the costs of a check cashing service versus banking Know the steps to move from check cashing to banking Learn about the kinds of bank accounts and bank cards available Organize Your Money: Learn about the many products and services offered by banks Understand how to minimize the amount of bank fees you pay Know the kinds of banking products and services that could be useful to you Learn the basics of investing Keeping Score: Discover the importance of keeping records Know which records to keep and for how long Learn the best way to keep your own records

4 Set Your Financial Sights: Know what a financial goal is Know how to prioritize your financial goals Recognize if a particular goal is realistic Learn how to change your spending plan to meet your goals Count Every $: Recognize your spending habits and how they affect your finances Learn the importance of your fixed, flexible and occasional costs Plot out your expenses on a spending plan form Learn how late payments affect you Recognize the spending habits you need to change Develop a 12-month spending plan Keep It Safe: Know the laws that protect your rights as a banking customer Learn to avoid identity theft Learn ways to avoid scams Know how to resolve complaints related to your finances Checking classes. Once you understand where your money comes from and where it goes, these classes will help you get the most out of your money. Classes include: Check It Out: Learn the benefits of using a bank Types of bank fees Types of checking accounts Write checks and use ATM or Debit cards Keep records Balance your checking account Find out more: Visit key.com/moneymadeeasy for valuable online tips that will help you manage your money. All financial education classes take place at: Key Financial Education Center Located next to the KeyBank branch at Buckeye Road To sign up for a FREE class or learn more, ask your KeyBank teller, call or visit key.com/financialeducation today. Shaker Blvd Woodhill Rd E 116th Buckeye Rd Van Aken Blvd

5 CS81630 Financial education provided in partnership with Community Development New Markets I, LLC. KeyBank is Member FDIC