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Education & Workshops

Knowledge Is Power

Our workshops and seminars give you the information you need to take control of your finances. Experienced, qualified credit counselors present hands-on training at our agency, in schools, and at area businesses.

 

Center For Siouxland’s Certified Consumer Credit Counselors offer a range of financial literacy workshops. We use well-established curriculum that are top standards for the industry. We also can create customized seminars to meet the individual needs of schools, area employers, and others.

 

Pre-Purchase Group Education

Pre-purchase Workshop Courses are scheduled on a Friday once a month January through November.  The class is taught by a certified housing counselor and is sponsored by Central Bank.

 

2019 Pre-Purchase Workshop Dates are:

  • January: Thursday, 1/31/19
  • February: Friday, 2/22/19
  • March: Friday, 3/29/19
  • April: Friday, 4/26/19
  • May: Wednesday, 5/22/19
  • June: Friday, 6/28/19
  • July: Friday, 7/26/19
  • August: Friday, 8/30/19
  • September: Tuesday, 9/24/19
  • October: Friday, 10/25/19
  • November: Friday, 11/22/19
  • December: No Class

 

All courses are held at Center For Siouxland, 715 Douglas Street, Sioux City, Iowa.  Registration is required.  Please contact our office at 712-252-1861 ext. 47 for more information.  Please register at least one week in advance.

 

The Pre-Purchase Group Education class prepares first time homebuyers for the process of buying a home and to avoid possible pit-falls.

 

Topics Include:

  • Budgeting for your Home Purchase
  • How to Manage Debt
  • Credit Reports & your Credit History
  • Predatory Lending practices
  • Fair Housing Laws
  • Advantages and Disadvantages to Homeownership
  • Pre-qualifying/Pre-approval
  • Shopping for Your Loan
  • Shopping for Your Home
  • Selecting a Real Estate Agent
  • Negotiating Offers
  • Types of Homes
  • Home Appraiser/Home Inspector
  • Homeowners Insurance
  • Down Payments
  • Closing Process & Paperwork
  • Aftercare of Home

MyPad Down Payment Assistance Program

The City of Sioux City Neighborhood Services Division offers the MyPad Down Payment Assistance Program.  The purpose of the program is to assist low-income households ready to enter homeownership by providing part or all of their down payment and closing costs.  Qualified households can receive between $1,000-$14,999, depending upon their circumstances. Additional information can be obtained by visiting www.siouxcitymypad.com or calling 712-279-6255.

The following workshops are offered to area businesses for their employees:

 

Workplace Education

We go on-site for employers to provide financial education to their employees. Financial education seminars can be customized to fit the needs of your employees and flexible scheduling allows education to occur during lunch hours, between shifts, and at employee benefit fairs.

 

Stress from personal money problems can spill over into the workplace. Research indicates that one-third of US workers believe their finances have hampered their job performance. Of these employees, nearly half spend at least seven work hours a week dealing with their personal money matters.

 

Some common signs that an employee is financially distressed include:

  • Absenteeism
  • Verbal or physical confrontations in the workplace
  • Garnishments or wage advancements
  • Low participation in 401(k) and other retirement plans
  • Borrowing against retirement plans

 

Successful Budgeting & Managing Your Credit

This workshop is designed for individuals and couples who have had a sudden change in their income. This workshop covers topics such as: shopping for credit, what to do if you cannot pay your bills, budgeting, and credit reports.

 

Predatory Lending

This workshop outlines predatory lending practices and how to not fall prey to predatory lenders. Topics covered include: consolidation loans, mortgage loans, rent to own services, pay day loans, credit cards, and title loans.

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