Counseling In Motion: Bankruptcy Edition

  • Counseling in Motion (CIM) e-learning course, BK Edition educates about the bankruptcy process, then guides clients as they itemize their monthly expenses, debts and assets.

    Key e-Learnings include:

    Understanding Bankruptcy:

    • Learn what bankruptcy entails and the process involved in filing for bankruptcy. Gain insights into the different types of bankruptcy and their implications.

    Financial Assessment and Budgeting:

    • Develop a detailed list of income, expenses, and assets to assess financial status. Create a budget aligned with new financial goals to stabilize finances post-bankruptcy.

    Identifying Financial Difficulties and Solutions:

    • Understand the root causes of financial distress and develop an action plan to overcome challenges. Explore alternatives to bankruptcy and identify appropriate options based on individual circumstances.

    Bankruptcy Procedures and Effects:

    • Learn about the Means Testing Process and asset retention considerations during bankruptcy. Understand how bankruptcy impacts credit reports and future financial decisions.

    Financial Literacy and Money Management:

    • Explore budgeting as a tool for financial stability and goal achievement. Discover strategies for living well while spending less and managing finances effectively.

    Additional Information: After completing Counseling in Motion (CIM) BK Edition, individuals can seamlessly transition to the Money in Motion (MIM) course for pre-discharge debtor education and further financial literacy.

    Download Expert Excerpt: https://www.acceonline.com/images/Counseling%20In%20Motion%20free%20excerpt.pdf

  • $25 - $45

Money In Motion: Bankruptcy Edition

  • Money in Motion (MIM) e-learning course is the “most popular” financial literacy program and pre-discharge debtor education (after taking Money in Counseling e-learning course) developed by The American Center for Credit Education (ACCE).

    Key e-Learnings include:

    Budgeting and Financial Management:

    • Learn how to create and stick to a budget that aligns with financial goals. Develop strategies to handle finances responsibly and make smart financial decisions.

    Credit Improvement and Wise Credit Use:

    • Understand techniques to improve credit scores and use credit wisely. Gain insights into credit counseling and other financial assistance options during times of financial difficulty.

    Financial Goal Setting:

    • Discover the importance of setting and reaching financial goals for long-term financial success.

    Record Keeping:

    • Identify essential financial records to maintain for effective money management.

    Credit Report Awareness:

    • Learn how to obtain and interpret a credit report to monitor credit status.

    Dealing with Financial Trouble:

    • Acquire knowledge about steps to take when facing financial challenges or difficulties.

    Additional Information:

    • Meets the requirements for pre-bankruptcy debtor education set by The Executive Office for U.S. Trustees (EOUST) in the U.S.

    • Can be utilized for community education to promote financial literacy and responsible financial management.

    • Upon completion of the Money in Motion (MIM) course, individuals can further their financial education by registering for the Rebuilding for Your Credit (RFYC) course with ease.

  • $25 - $45

Cut Through the Confusion: Health Insurance & Medical Bills

  • Mastering the details of your medical insurance is crucial for making informed decisions that can impact your well-being both now and in the future. While it may seem overwhelming, understanding your health insurance can empower you to navigate medical treatments and expenses more effectively.

    Key eLearnings include:

    Evaluate Your Health Insurance Options:

    • Learn how to assess different health insurance plans to determine which one best suits your needs and those of your family. Understand key factors such as coverage, deductibles, co-pays, and network providers.

    Handling Medical Bills:

    • Gain insights into managing medical bills efficiently once they arrive. This includes understanding billing statements, verifying charges, and knowing your rights and responsibilities as a policyholder.

    Understanding Health Insurance Terms:

    • Familiarize yourself with common health insurance terminology such as premiums, deductibles, co-insurance, and out-of-pocket maximums. Knowing these terms will help you make informed decisions and avoid surprises.

    Choosing the Best Insurance:

    • Learn how to calculate and compare the costs and benefits of different insurance plans. This involves assessing your medical needs, anticipated expenses, and budget to select the most suitable coverage.

    Creating a Health Insurance Summary Card:

    • Develop a concise summary card containing essential information about your health insurance coverage. This can serve as a quick reference guide during medical appointments and emergencies.

    Reviewing Medical Bills and Making Appeals:

    • Understand how to review medical bills for accuracy and completeness. Learn the process of appealing insurance claim denials or disputing excessive charges.

    Dealing with Unaffordable Medical Bills:

    • Explore options for managing medical bills if you cannot afford to pay them in full. This may involve negotiating payment plans with healthcare providers or seeking financial assistance programs.

    Addressing Bills Sent to Collections:

    • Learn what steps to take if your medical bill is sent to collections. Understand your rights and responsibilities in resolving outstanding debts with collection agencies.

    Minimizing Medical Expenses:

    • Discover strategies to reduce medical costs, such as utilizing preventive care, choosing in-network providers, exploring generic medications, and leveraging wellness programs offered by your insurance.

  • $25

Credit When Credit Is Due: Keep Your Credit On Track

  • If you ever wondered why some people in life get ahead while others do not, and how you can get ahead, then this “award winning” Credit When Credit Is Due (CWCID) by Paul Strassels e-learning course is for you.

    Key e-Learnings include:

    Understanding Credit Basics:

    • Gain insights into how credit works and its impact on personal finances.

    • Learn about different types of credit and their implications.

    Using Credit Wisely:

    • Equip yourself with the knowledge needed to use credit responsibly and confidently.

    • Understand the importance of managing credit effectively.

    Budgeting Skills:

    • Develop a practical and effective budget to manage income and expenses.

    • Learn strategies to align spending with financial goals.

    Credit-Granting Process:

    • Understand the process involved in obtaining credit and factors considered by lenders.

    • Learn how creditworthiness is evaluated.

    Managing Credit Cards and Loans:

    • Get insights into responsible use of credit cards and other forms of loans.

    • Understand terms and conditions associated with borrowing.

    Dealing with Financial Setbacks:

    • Learn what to do if you fall behind on payments or encounter financial difficulties. Understand strategies for overcoming financial challenges.

    Building and Rebuilding Credit:

    • Discover effective methods to establish or rebuild a positive credit history.

    • Learn steps to improve credit scores and financial health.

    Major Financial Decisions:

    • Understand the credit implications of major purchases such as buying a home or a car.

    • Learn to evaluate credit offers and make informed decisions.

    Dealing with Creditors and Bill Collectors:

    • Gain insights into handling interactions with bill collectors and managing debt effectively.

    Additional Benefits:

    • Graduates receive a packet to send to credit bureaus to add statements to their credit reports.

    • Improved understanding and actions related to credit can lead to better financial health and goal achievement.

    Download Sample Excerpt: https://www.acce-online.com/images/CWCID%202017%20Excerpt.pdf

  • $50

10 Steps to Buying a Car: Where The Rubber Meets the Road

  • Getting the right deal for buying a car can save you thousands of dollars. If you want to be treated fairly and to receive good financing, then 10 Steps to Buying a Car e-Learning course is for you.

    Key e-Learnings include:

    10 Steps to Buying a Car will take you through all ten steps to buying a car that will leave you feeling good financially and getting a car you love.

    • Step 1: Determine what payment you can afford

    • Step 2: Know how much total debt you can afford

    • Step 3: Know your credit report details and credit score

    • Step 4: Visit a lender

    • Step 5: Determine what do you want in a car, truck or SUV

    • Step 6: Shop for the car or truck you want

    • Step 7: Negotiate the deal

    • Step 8: Finance the deal

    • Step 9: Insuring your purchase

    • Step 10: Finalizing the financing

  • $25

Rebuilding Your Credit: A Guide To A Brighter Future

  • Rebuilding Your Credit (RYC) is an e-learning course developed by The American Center for Credit Education (ACCE) specifically for individuals who may be feeling overwhelmed by the process of getting out of debt.

    The course was developed in response to a significant demand, with half a million requests coming from clients of Money in Motion (MIM) seeking more comprehensive information.

    The RYC course aims to equip individuals with the knowledge and tools necessary to re-establish their credit and financial standing.

    It serves as a guide towards achieving a brighter and more secure financial future. By providing detailed information and strategies for rebuilding credit, the course empowers participants to take proactive steps towards improving their financial health.

    Key e-Learnings include:

    Understanding Credit Rebuilding Process:

    • Credit Review and Credit Report Analysis: Learn how to review your credit report, understand credit scores, and identify areas for improvement.

    • Managing Debt Responsibly: Explore strategies for keeping accounts current and managing debt obligations effectively to rebuild credit.

    • Responsible Credit Usage: Gain insights into using credit wisely to improve credit scores over time.

    Financial Empowerment and Planning:

    • Emergency Fund Establishment: Understand the importance of saving for emergencies and building a financial cushion.

    • Budgeting and Financial Tools: Learn how to create and stick to a budget, use financial tools, and prioritize expenses.

    • Long-Term Financial Goal Setting: Set achievable financial goals and develop actionable plans to work towards them.

    Protecting Against Scams and Identity Theft:

    • Recognizing Scams: Identify common financial scams and learn how to protect yourself from fraudulent activities.

    • Identity Protection Strategies: Implement measures to safeguard your personal information and prevent identity theft.

    Confidence in Financial Decision-Making:

    • Education on Wise Financial Choices: Acquire knowledge to make informed and confident financial decisions.

    • Understanding Financial Products: Learn about different financial products and their implications on credit and personal finances.

    Applying Learnings for Financial Recovery:

    • Implementation of Strategies: Apply the acquired knowledge to re-establish credit and rebuild financial stability.

    • Overcoming Financial Difficulties: Gain strategies and tools to overcome financial challenges and achieve a brighter financial future.

  • $25

Start Right: Build Your Own Business

  • If you dream of running your own business and need help getting    started, then this is a class for you.  Start Right - Build Your Own Business (SR-BYOB) e-learning course is an easy-to-understand resource you can offer to people who want to start businesses.

    Key e-Learnings include:

    Step-by-Step Guidance:

    • The course provides a structured approach to turning entrepreneurial dreams into reality, guiding learners through each stage of starting a business.

    Business Planning:

    • It assists in writing a thorough business plan, a critical document for any startup to define its objectives, strategies, and financial projections.

    Financial Management:

    • Learning how to secure funding, manage business finances effectively, and allocate resources efficiently are crucial skills covered in the course.

    Operations Setup:

    • Helps in setting up and organizing business operations, including office management and file organization.

    Marketing and Branding:

    • Teaches branding strategies, marketing  techniques, and advertising essentials to help promote and grow the business.

    Avoiding Common Mistakes:

    • Provides insights to avoid common pitfalls and costly mistakes that new entrepreneurs often encounter.

    Download Expert Excerpt: https://www.acce-online.com/images/Start%20Right%20free%20excerpt.pdf

  • $25

Make Your Move: A Guide To Homeownership

  • Buying a home is probably the biggest and most expensive purchase you will ever make. Make Your Move (MYM) e-learning course is the ideal education program to offer first-time home buyers or anyone buying a home who wants a refresher course about the home-buying process.

    Key e-Learnings include:

    Financial Preparedness:

    • Understanding the financial readiness required for buying a home. Tips on improving credit scores to qualify for better mortgage terms. Insight into what lenders assess in determining creditworthiness.

    Loan Programs:

    • Exploring various loan programs available such as Conventional, FHA, VA, USDA, (Federal Housing Administration, Veteran Administration and U.S. Department of Agriculture), etc. Understanding the eligibility criteria and benefits of each loan type.

    Avoiding Predatory Lenders:

    • Guidance on recognizing and avoiding predatory lending practices.

    Pre-Qualification Process:

    • Steps involved in getting pre-qualified by lenders for a mortgage.

    Comparing Building vs. Buying:

    • Pros and cons of building a home versus purchasing an existing property.

    Professionals Involved:

    • Identifying key professionals involved in the home buying process (e.g., real estate agents, mortgage brokers, inspectors).

    Understanding Legal Documents:

    • Learning about important legal documents involved in home purchases (e.g., purchase agreements, mortgage contracts).

    Home Closing Process:

    • Navigating through the complexities of the home closing process.

    Homeowner Responsibilities:

    • Understanding homeowner responsibilities post-purchase, including maintenance and repairs.

    Certification and Compliance:

    • This e-learning course meets national homebuyer education standards and the U.S. Department of Housing and Urban Development (HUD) guidelines.

    • Upon completion, participants receive a certificate validating their completion of the course.

    Download Expert Excerpt: https://www.acce-online.com/images/MYM%202017%20Excerpt.pdf

  • $100-$150

Financially Frozen: Get a Fresh Start with Your Finances

  • If you want to get out of debt and get a fresh start with your finances, then this Financially Frozen (FF) e-learning course is for you.

    Key e-Learnings include:

    Aligning Personal Values with Financial Goals:

    • Understand how personal values can shape financial goals and budgeting strategies.

    • Learn to prioritize and align spending decisions with long-term objectives.

    Comprehensive Financial Topics:

    • Cover essential financial topics such as budgeting, credit management, checking account management, debt reduction strategies, understanding contracts, insurance basics, identifying scams, and navigating consumer laws.

    • Presented in an accessible and user-friendly manner suitable for all learners.

    Debt Repayment Strategies:

    • Discover effective methods to pay off debt and regain financial stability.

    • Learn how to manage current income to achieve financial freedom and make intentional choices about spending and saving.

  • $25