SPECIAL TO THE DAYTONA TIMES
Four Volusia County libraries will host financial workshops in recognition of Money Smart Week, April 21 to 28. The free programs will address a variety of topics, including personal budgeting, couponing, credit scores, mortgages and foreclosures, job hunting and personal marketing, and small business development.
Money Smart Week, sponsored by the Federal Reserve Bank of Chicago and the American Library Association, is a national public awareness campaign designed to help consumers better manage their personal finances.
Deltona Regional Library
The Deltona Regional Library, 2150 Eustace Ave., will host 12 programs.
• Mortgages and foreclosures: 10 a.m. to noon April 21. Billie Jo Simoneau of the Florida Association of Mortgage Professionals, will explain how your credit is affected by your mortgage, installment loans and revolving credit payments. She also will give tips on avoiding the pitfalls that can lead to foreclosure.
• La Mamacita Cuponera: 2 p.m. to 4 p.m. April 21. Coupon professional Myrah Duque, aka Mamacita, will explain how to find and use coupons, store incentives and rebates during this Spanish-language class. Duque, a former realtor and PTA president, also will explain store policies, translate coupon lingo, and offer tips for organizing your coupons. Visit her website at www.CouponMamacita.com.
• Business and personal finance: April 23. Navigate the ins and outs of small business and personal finance with T. Shepard Burr, who has been a certified public accountant for 40 years. Burr will address fundamental business tax from 10 a.m. to 11 a.m. and individual tax fundamentals from 1 p.m. to 3 p.m.
• Planning for Social Security: noon to 1 p.m. April 24. Join certified public accountant Terry Seaton, owner and president of Seaton Financial Advisors, for an overview of the Social Security system. This workshop will cover eligibility requirements, how benefits are calculated, and how to determine the best time to begin your benefits.
• Making money sense: 9:30 a.m. to noon April 25. Jonel Persinger of the Volusia Literacy Council will lead an informal life-skills class on navigating basic financial services such as banking and budgeting. She also will offer one-on-one assistance.
• Spending and saving for teens: 3:30 p.m. to 4:30 p.m. April 25: Certified public accountant Stephen Kuiper, from Business Navigator in Lake Mary, will help teens learn how to start a budget, open a checking account, and manage urges to overspend.
• Tell your money where to go: 2 p.m. to 3 p.m. April 26: Darlene Duncan, training coordinator for Training Initiatives at the One-Stop Employment Center in Daytona Beach, will explain how to make a spending plan and get the most out of every dollar.
• Marketing yourself for job hunting: 6 p.m. to 7 p.m. April 24; and 9:30 a.m. to 10:30 a.m. Saturday, April 28. Join librarian Jeff Seiler in the computer lab for a class on job hunting. He will provide a digital walk through important job-hunting websites and will discuss resume tips, guerrilla marketing plans and strategies for marketing yourself to prospective employers. Computer stations will be available on a first-come, first-served basis.
• Guide to business-assistance services: 3:30 p.m. to 4:30 p.m. April 27. John Kizer and Pedro Leon from Volusia County’s Economic Development Department will discuss the business development and financial-assistance opportunities available to businesses and municipal agencies. After the program, the speakers will answer questions and schedule appointments to discuss individual needs.
• Get a new habit (that saves): 3:30 p.m. to 4:30 p.m. April 26. Charlotte Lambert, a case manager with Training Initiatives at the One-Stop Employment Center in Daytona Beach, will discuss simple things you can do to stretch your dollars.
• Coupon Mamacita: 2 p.m. to 4 p.m. April 28. Learn how to use coupons, store incentives and rebates. The speaker, Myrah Duque, also will address store policies and coupon lingo and offer tips for organizing your coupons.
Port Orange Regional Library
The Port Orange Regional Library, 1005 City Center Circle, will offer five workshops.
• Show me the money: noon, April 23. Homeschoolers in kindergarten through fifth grade will learn to become smart consumers and wise money managers.
• Planning and security for retirement: 2 p.m., April 25. Financial planner David Holland will offer advice to help you plan for your golden years. Holland hosts the “Real Money” show on radio station WELE 1380 AM.
• Financial literacy for teens: 4 p.m., April 25. Find out how to be money smart – something you’ll need to know when you land your first job. Snacks will be provided.
• Manage your electricity usage: 2 p.m. April 26. Two representatives from Florida Power & Light will offer tips to save energy and money in your home.
• Couponing basics: 2 p.m. April 27. Mary Edwards, a former nurse and current “super couponer,” will share tips, strategies and formulas to save bundles on grocery bills. Visit her website at www.CouponersUnited.com.
Daytona Beach Regional Library
Learn how to start your own business at the Daytona Beach Regional Library – City Island, 105 E. Magnolia Ave. Reservations are not required. More information: 386-257-6036.
• Thinking of starting your own business? 2 p.m., April 24. Ned Harper, director of the Small Business Development Center at Daytona State College, will give aspiring entrepreneurs a realistic view of the seven basic requirements for business startup – select an idea, test the market, acquire capital, write a plan, turn for help, understand legal requirements, and put it all together.
New Smyrna Beach Regional Library
Learn how to manage your money and save with coupons at the New Smyrna Beach Regional Library, 1001 S. Dixie Freeway. Reservations are required and may be made by calling 386-424-2910, ext. 104.
• Managing money in tough times: 2 p.m., April 23. Money management is a challenge anytime, but especially when times are tough. Kathleen Bryant, an extension agent for the University of Florida/Volusia County Extension, will explain basic money-management concepts such as creating a spending plan and using credit wisely.
• Coupon Mamacita: 4:30 p.m., April 23. This class, led by Myrah Duque, will help people learn how to use coupons, store incentives and rebates. Duque also will explain store coupon policies, translate coupon lingo, and offer tips on organizing coupons.