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Keeping a Safe Harbor: Maintaining & Protecting Your Home
Unit 4

Unit 4. After the home purchase learn to maintain its value, properly secure and insure your home investment, avoid home repair rip-offs and prevent foreclosure. In addition, learn the life expectancy of your home appliances and home sytems and how to improve the health of your home.

Sailing Through the Mortgage Process
Unit 3

Unit 3: Understand mortgage terms and loan programs, know the questions to ask before choosing a mortgage and how to shop wisely for one. Be prepared when applying for a mortgage loan and know what will be needed at closing. Also learn how to avoid subprime loans.

Staying on Course with Financial Management
Unit 2

Complete Unit 2 materials cover: Organizing your family finances by setting goals, developing a cash flow worksheet and net worth statement, developing a budget and managing your credit. In addition, find helpful tips on homeowner tax planning, stretching your dollars and saving and preventing identiy theft.

Navigating Your Way to A New Home - Unit 1
Unit 1 image

Unit 1 - Complete unit materials cover: renting versus owning, housing priorities, how to evaluate homes and house plans, how to determine housing price limits, how to choose your home-buying professional team, shopping resources, how to negotiate purchase price of home, your housing rights and what needs inspecting prior to purchasing a home.

Financial Basics: Practical Steps to Building Wealth
Unit 1 Financial Basics
Materials covered in this unit include: learning the difference between good debt and bad debt; calculating your net worth; developing a debt repayment and a saving-spending plan; and planning your emergency fund.
Protecting Your Investment
Unit 4 Protecting Your Investment
Materials covered in Saving and Investing for Life: Protecting Your Investment include understanding and selecting your financial team, their professional designations and how to avoid investment scams.
Principles of Investing
Unit Three Principles of Investing
Materials covered in Saving and Investing for Life: Principles of Investing include selecting the best investment options and determining your personal investment risk-tolerance level.
Investment Options
Unit  Two Investment Options
Materials covered in Saving and Investing for Life: Investment Options include: learning to develop SMART financial goals, your options for saving for emergency funds, comparing college savings plans and learning to read a financial page.
Homebuyer Education Program Graduate Succeeds
View the inspiring story of one family's journey from losing their home in Hurricane Rita to becoming the proud owners of a home of their own after completing the "Charting Your Course to Homeownership" homebuyer education program.
Take Control of Your Credit
SAIL Take Charge of Credit
Materials covered in the Saving and Investing for Life; Take Control of Your Credit unit include how to obtain, read and analyze your credit report and understanding your credit score. Also includes information regarding the Credit CARD Act of 2009.
Stretching Your Food Dollar
Managing in Tough Times
Grocery shopping can be a real challenge, especially if you are on a limited budget. However, food is a flexible budget expense that can be reduced when money is tight. By planning ahead and managing your money wisely, you can still serve meals which are appetizing, easily prepared and nutritious.
Getting the Most from What You Have
Managing in Tough Times
Learn money-saving tips to help you stretch your dollars. Topics discussed include housing, heating and cooling, electricity, telephone, food, transportation, clothing, medical and recreation.
Deciding Which Bills to Pay First
Managing in Tough Times
When you do not have enough money to cover your family's basic living expenses, you must make difficult financial decisions. Learn strategies to determine which bills to pay and how to work with creditors.
Live Well on a Shoestring Budget: Control Spending
Managing in Tough Times
This four-page publication presents strategies to help individuals and families experiencing low or reduced incomes manage spending to maintain a quality lifestyle.