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FINANCIAL LITERACY CLASSES
Take the Fear out of Finance!
NUEVA A partir de julio de 2025 clases en español
Tuition: $125 covers five two-hour classes (a segment). It is paid to SCORE, the sponsoring not-for-profit organization. Instructors are not paid – they volunteer their time for free to teach the program and spread financial empowerment.
MONEY 101 EDUCATION – SEGMENTS
FOUNDATION
Five classes covering – W-2 employment, compensation, and benefits including retirement plans. Understanding Independent Contractor earnings (1099) and tax challenges to being a business owner. Getting a helicopter view of your finances by creating a Cash Flow statement (aka Budget) and a Personal Financial Statement to have a starting point from which you can make educated decisions on how to improve your finances. Understanding Credit be Loan Ready. At the end of the segment, participants will be able to know track and improve their net worth.
INVESTMENTS
Five classes covering – The steps to building wealth through different investments. Creating an Emergency Fund, Understanding Stocks and Bonds, Real Estate Investment Trusts. What is the difference between Mutual Funds and Electronic Traded Funds. How to Do Fund Research using Morningstar. Choosing an Appropriate Investment Strategy Based on when you need your Money, Understand Fees and how to Minimize Costs. At the end of the segment, participants should be able to select investments to match their needs.
TAXATION
Five classes covering – the United States IRS Form 1040 Personal Tax Return, Reporting Business & Self Employment Income (Schedule C), Calculating Self-Employment Taxes, Home Office Deductions and Qualified Business Income Credit. Understanding the Standard vs. Itemized Deductions and which to use. How to Use the IRS Tax Charts to calculate tax due. Understanding Estimated Tax Payments and How to Avoid Penalties for Tax Underpayment. At the end of the segment, participants should be able to complete a 1040 tax return.
REAL ESTATE
Five classes covering – what it takes to buy a property for personal or investment use. Learn 100 key search criteria, key clauses in Purchase Contracts, How to successfully shop and apply for a Mortgage, Closing and Selling Costs, Tax implications, Real Estate Appraisal Reports and Property Insurance. At the end of the segment, participants will understand all the steps to become property owners.
MONEY & LIFE CYCLES
Five classes covering – The appropriate financial steps to take from birth to death – information on College Savings Plans, Prenuptial Agreements, Divorce, Retirement Planning, and Preparing for Death, including Wills, Trusts, and Estate Administration. At the end of the segment, participants should know how to plan financially for different life cycle events.
SCORE is the Not For Profit Sponsoring Organization – and a resource partner of the US Small Business Administration