Dover Federal Credit Union - Educational Seminars

Educational Seminars

Dover Federal Credit Union is proud to provide financial education for your employees at no cost. Please contact Carole Langiu, Marketing Director, at 302-678-8000 ext 3015 to schedule any of the following seminars.

Build a Basic Budget--The 5-Step Spending Plan
Seminar material covers:

Understand steps to set up a spending plan
Identify spending leaks
Track spending and find ways to save
Set short- and long-term financial goals
Audit progress and revise goals
Use financial tools to reach goals

Identity Theft--Who's Got Your Number?
Seminar material covers:

What ID theft is
How crooks get your personal information
When you have to give a Social Security, and when you don't
How to minimize risk of ID theft--online and offline
Tips to protect yourself from phishing attacks
Warning signs that you might be a victim of ID theft
What to do if you're a victim and where to get help

Take Charge--Wise Use of Credit Cards
Seminar material covers:

The benefits and costs of credit
How to evaluate credit card offers
How to get and read your credit report
What a credit score is and how to get it
How to avoid credit card fraud
How to cancel unused credit cards
How to build a good credit history

Take the Wheel: Get the Best Car Deal
Seminar material covers how to:

Determine how much car you can afford
Use a car inspection and test-drive checklist
Deal with dealers
Negotiate the best car price
Decipher financing options and warranties
Save on car insurance
Find help if you have problems

Check It Out: You & Your Checking Account
Seminar material covers:

How to find a checking account that matches your needs
How to write checks correctly
Tracking withdrawals to avoid bouncing checks
Taking advantage of efficient electronic transactions
How to balance your checkbook

Investing Basics: 10 Steps for Beginners
Seminar material covers:

Basic investing principles (risk, return, diversification)
Risk level of different investment vehicles
Investment strategies such as dollar cost averaging
Rule of 72
Mistakes investors make
How inflation and taxes affect your investment dollar
How to evaluate different investment products

NOTE: This seminar is for the beginning investor.

Get it Together: Organize Your Financial Records
Seminar material covers:

How to determine what documents to keep
Costs of NOT getting organized
Why some record keeping systems fail
How long to keep records
Where to keep records
Tips for getting and staying organized

Home Buyer Education 1: Preparing Your Finances
Seminar material covers:

Four Cs necessary for home ownership: character, capacity, capital, and collateral
Common home buying misconceptions
Affordability, buying power, and spending plans
Credit reports and scores
Benefits and responsibilities of home ownership

Home Buyer Education 2: Shopping for A Home
Seminar material covers:

What kind of home do you want and where?
How to find the right home
Key players: real estate agents, appraisers, inspectors, lenders

Home Buyer Education 3: Life as a Homeowner
Seminar material covers:

Settling in your new home
Debt management tips
Household budgeting and spending plan tips
Home maintenance
Financial benefits of home ownership: increase in equity and net worth
Mortgage process

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