Seminars

Provident Credit Union offers a wide range of real estate, investment, estate and retirement planning, and job-transitioning seminars and webinars. They provide people with an adult learning experience that is designed to answer specific financial questions and concerns. Listed below are several upcoming seminars and webinars available through Provident or its partners. Be sure to reserve your spot at a live seminar or webinar by clicking on the date that you wish to attend, or watch a pre-recorded webinar.

Live Seminars & Webinars in

When	Seminar Title	Where
Click date to make reservation	Click title for description	Click location for map
Tue. Aug. 27 12:00 pm to 1:00 pm	Home Buying	Live Webinar
Sat. Sept. 7 9:00 am to 10:00 am	Estate Planning with William Byron Levy*	Redwood Shores Corporate Offices 303 Twin Dolphin Drive Redwood Shores, CA

Reserve Your Spot Today

Make your reservations by clicking on the date of a seminar above. If you have any questions, you may e-mail Provident Credit Union about the car buying or mortgage-related seminars or financial seminars or call (800) 632-4600, option 1, ext. 2601 (car buying or mortgage-related seminars) or (800) 656-4096 (financial seminars).

In this seminar, we will discuss common scams and identity theft strategies used by fraudsters. Learn how to prevent you and your loved ones from becoming a victim and what you can do to protect yourself.

Learn more about the new Bill Payments features as well as the impact this upgrade may have on your account. The topics that will be discussed during this live webinar include:

Changes to the Bill Payments System
New Features: faster payments, check images, check memos, email alerts, calendar view, expedited payments
PayItNow (Send Cash)

In our 1031 Exchange Seminar you will gain a deeper understanding of 1031 Exchange Strategies, including:

How to minimize the capital gains taxes on your primary residence.
What to do with your 2nd or vacation home.
Leverage and cash flow for reinvestment.
Develop a strategy for wealth and asset accumulation.
Exit strategies when you are tired of owning your rentals.

Let us have a look at some factors that affect us when investing.

Emotions: How they impact investors' decisions
Expectations: How unrealistic expectations may lead to disappointment
Economics: Is it different this time?

In a few weeks, Provident will be upgrading our core banking system to improve the ability to meet your needs, innovate, and grow. As a result of the system upgrade, there will be some changes that will affect you. In this webinar, we will discuss:

Why Provident is changing our banking system
Changes to joint owners and co-borrowers in our online banking system
Changes for primary members with multiple memberships
Conversion weekend outage

This seminar will cover the different drivers of rates and potential investment strategies for a rising rate environment. Some of the benefits discussed will include:

What drives interest rates?
Interest rate sensitivity of fixed income sectors
Impact of rising rates on stocks
The value of active management in a rising rate environment

Will you be ready for retirement?

If you're not sure or retirement seems so far away, then attend our Retirement and Financial Wellness Workshop. Topics Include:

CalSTRS Pension Review: How much can you expect? Is it enough?
Effects of inflation and taxation on retirement
Savings tips for Early Career, Mid-Career and Late Career savers
How much you may need, what your income level could be, and how to "bridge the gap"

Receive a comprehensive guide to your 403(b) options for retirement.

Making it simple: how 403(b) plans work
What your future retirement might look like, with or without 403(b)
The benefits of saving, whether you're 25 or 55
How easy it is to get started saving today
Time for your questions and answers from a financial professional

Join us for a free and informative webinar on the basics of money management through overdraft protection. This course is perfect to learn about the tools available and how to develop good habits to keep you on a healthy financial course.

Understanding Provident's Overdraft Protection and Courtesy Pay services
Develop a Financial Plan
Build A Budget
Money Management Tips

This seminar will cover Fixed & Variable Annuities and how they can be used to help you with current or future retirement needs. Some of the many benefits discussed will include:

Safety of Principal
Tax Deferred Income & Growth
Guaranteed Lifetime Income

Learn smart strategies to help you prepare for retirement.

3 red flags you face in the Retirement Red Zone.
Are you prepared for the challenges in Retirement?
How can you secure the needed income?

Retirement/SSI Minimum Distributions

Join us for a discussion about the world's most critical resource -- water, and how vital it can be for your portfolio as well.

Learn how tax sheltered investing can be used to help with your current or future retirement needs. Some of the benefits discussed will include:

Tax Deferred Growth
Guaranteed Lifetime Income
Guaranteed death benefit

Common-Sense Investing for the Uncommon Investor

Our exclusive workshop will bring focus to your financial picture and educate you on how to avoid the many common pitfalls of investing.

Identify and track progress towards ALL of your goals
Stay off the emotional spin cycle of investing
Remain calm in a market crisis

Focus on what matters most -- achieving your goals.

Join Provident and CA Solar Consultants as we discuss the benefits and process of solar panel installation and financing. In this hour long webinar, we will discuss:

How solar works
How a utility company bills you for electricity
Finance options and the benefits of going solar
Lease or buy options
Installation process
Q&A

The installation of solar panels on your home can save you thousands of dollars in future energy bills.

Join us for an informative seminar on a type of investment modeled after mutual funds. The presentation will focus on these key areas:

Learn the basics of Real Estate Investment Trusts (REIT)
Investing in commercial real estate with REIT
Real Estate Investing for income

Join us for an informative seminar on Real Estate Investment Trusts (REIT) -- a type of investment company modeled after mutual funds. The presentation will focus on these key areas:

Learn the basics of Real Estate Investment Trusts
Investing in commercial real estate with REIT
Real Estate Investing for income

What's the best credit card for you?

Join us for a free webinar to help you pick the right credit card and manage it correctly.

Topics will include:

Applying for a credit card
Read the fine print!
How to manage credit card usage responsibly
Consequences of excessive debt and how to correct it
How to build a good credit history
Identity theft
Credit scores and credit reports

Join us for a free seminar on the ins and outs of credit. You will gain a better understanding on how to establish credit, maintaining a good credit score, avoiding the "too much debt" trap, and much more.

How to build good credit history
What you should know before signing on the dotted line
What lenders look for when approving credit
How to avoid identity theft
Understanding credit reports

Join us for a free webinar, presented by Experian, to help you better understand fraud and identity theft, and to provide general information about Experian's fraud victim assistance.

Plus, one lucky attendee will receive a free one-year subscription to ProtectMyID Elite!

Topics will include:

What is identity theft?
What should a victim do?
How Experian can help

Credit reports and credit scores impact not only lending decisions but also a person's ability to obtain cellular telephone and utility service, rent an apartment, or qualify for a job.

Join Provident Credit Union for a comprehensive discussion about how credit reporting and credit scoring work, fact vs. fiction, and how you can effectively address issues related to these often misunderstood financial tools.

Topics will include:

What is credit?
What is in a credit report?
Defining credit reports and their importance
What is a credit score?
What goes into a credit score?
What do I need to know to make my scores better?

Join us for a free and informative webinar on the basics of money management. This course is perfect to learn about the tools available and how to develop good habits to keep you on a healthy financial course.

Developing a financial plan
Why money skills are important
Know what tools are available to use
Understanding credit

Learn how to manage your account via Provident's online banking system and mobile application. In this seminar, you will learn:

How to enroll in online banking
How to process transfers (cross account and A2A)
How to manage your online banking profile
How to use Provident's Bill Payments
How to view transaction activity
How to enroll in e-Documents
How to use e-Deposit
How to manage your credit card
ATM information

Let us show you strategies to help ensure a constant and secure return. Topics covered include:

Bond Basics
Tax-free Investments
Fixed Income Mutual Funds
Fixed Income Strategies for Specific Investor Needs

You want to increase your income and protect it. Learn how without involving the stock market. Investing topics covered include:

Taxable vs tax-free income
Individual bonds vs bond funds
Government bonds
How and when you get paid

It's never too early to build a good credit history. Start now and you'll be thankful later - we promise.

Join us for answers to these questions:

What is credit?
How do I establish credit?
How can I be smarter about my credit?
What is a credit report and how do I get one?
What is a credit score and how is it used?

We understand that the path to college is more complicated than ever, but we have all the right tools and resources needed to guide you through the process.

College search for high school students
Application process

Being socially responsible can include how you invest. Learn to incorporate social, environmental and corporate governance factors into your investment decisions. Topics covered include:

Sustainability-focused approaches
Maximizing your financial and social returns
Wealth creation strategies for long-term performance

Become skilled at navigating the scholarship landscape. During this event you will learn valuable information such as:

Costs of attending college
Types of scholarships
How to find and apply for scholarships
Scholarship interview techniques
Building an educational resume

This informative workshop will help you understand the benefits of tax-free investing through municipal bond funds. Municipal bond funds may potentially help you save on taxes and help reduce the impact of stock market volatility on your portfolio.

This presentation will help you understand the world of finances and covers the following topics:

A credit union defined
Banking terms
The importance of a FICO score
Strategies for maintaining a good FICO score
Identity theft and what it means

This seminar is specially tailored towards educators, and includes:

Reviewing goals
Sources of retirement income
Challenges one may face in retirement
Understanding the choices in your 403(b)

ATTN Employers: Learn about the power of a health savings account (HSA).

How HSAs are used with health plans
Health plan cost savings
Tax advantages
Retirement and portability
Eligibility and contributions
Educating employees

Introducing basic personal financial principals. Topics covered include:

Setting goals
Evaluating cash flow
Calculating Net Worth

Topics covered include:

Understanding Risks to financial security
Managing risks
Proper planning and insurance coverage

Protect your credit and yourself from fraud. Topics covered include:

Understanding what ID theft is and how it takes place
Reporting ID theft
Managing Credit — understanding the FICO score & how to monitor yours
Methods to monitor / improve credit while defending against ID theft

Let us show you simple strategies to ensure a secure retirement.

Retirement Challenges
Your Retirement Vision
Sources of Retirement Income
Ways to Make Income
Retirement Preparation
The Need to Expect the Unexpected

This seminar will help you plan ahead for your retirement needs. Topics covered include:

Reviewing goals
Sources of retirement income
Challenges one may face in retirement

This seminar discusses how to determine your retirement needs and the tools available to achieve your goals. Topics covered include:

Sources of Retirement Income
Types of IRA Accounts
How IRA Accounts Work
IRA Rollovers
Required Minimum Distributions

This seminar discusses how to determine your retirement needs and the tools available to achieve your goals. Topics covered include:

Sources of Retirement Income
Types of IRA Accounts
How IRA Accounts Work
IRA Rollovers
Required Minimum Distributions

Learn about:

When to consider claiming Social Security benefits
How being married, divorced or widowed can potentially impact your benefits
How benefits for one spouse can be affected based on when and how the other spouse files

Learn about investment principles and how they apply to you. Topics covered include:

Concepts for successful investing
Setting objectives
Understanding investment risks
Review of strategy
Setting up an investment plan

Americans once depended on their corporation's pension and the US Government for their retirement. Today, we are largely on our own. In this session, you will learn:

Strategies around retirement income - replacing the old pension concept with 401Ks, IRAs, and other options
Understanding Annuities, Mutual Funds, and Term Share Certificates
Safety vs. Risk - building strategies in a down market

This seminar discusses the market's performance since the Great Depreciation and its ups and downs. So how concerned should one be? Topics covered include:

A look at 10 year market cycles since the Great Depression
Understanding what makes up a market cycle
Specific ways to determine your own tolerance for risk
Access to your personal advisor to answer any questions you might have

Provident Credit Union is partnering with Oakland Unified School District to provide a special day of financial education for employees of the district. The day will be broken into three different sessions, with valuable information to contribute to your financial success. Attendance is limited to the first 50 reservations. Breakfast and lunch will be provided.

8:30 - 9 a.m.:	Registration and Continental Breakfast
9 a.m. (sharp!):	Introduction Basics of understanding your credit score, protecting yourself against ID theft, and setting the right financial attitude to succeed
Session 1:	Long Term Care and when is the right time to prepare
12 - 12:30:	Catered lunch
Session 2:	Buying a Home in the Bay Area from escrow to financing, and determining what you can afford
Session 3:	Basic Investment Planning with tools to plan success, including a special segment on Pension Maximization

Get the knowledge you need to take advantage of the current home-buying conditions. We will guide you through the homebuying process, with topics including:

Loan pre-approval, and applying for a mortgage
Can you qualify and how
The forms and the purchase contract
Details of the loan process
Private mortgage insurance (PMI)
Financing choices — choosing the right loan for you

Learn what a reverse mortgage is and when it's the right time to consider one. Plus, you'll also receive valuable information to take away and study yourself or share with parents or family. Homeowners nearing the age of 62 or older are encouraged to attend, as are those with parents who fit that description. Topics include:

What a reverse mortgage is and when it can be useful
When a reverse mortgage is not the best option
Warning signs of a predatory loan
How to protect yourself from getting a bad loan
Types of reverse mortgages and their pricing
Questions and answers

How to find the right home and have your offer accepted. We'll help you understand the process, with several important considerations, such as:

Articulating your vision
Commute considerations
Choosing neighborhood and school districts
Efficient home searching
Using multiple listings service
Using the Internet
"For Sale By Owner" homes
Getting your offer accepted by the seller
Protecting your rights
Using county records
Getting started.

Thinking of refinancing your home mortgage? Not sure if you should get a home equity line of credit?

Get the knowledge you need to take advantage of refinancing. We will guide you through the refinance process, with topics including:

Interest Only Mortgages
Movable Mortgage option
Adjustable Rate Mortgage
Details of the refinance process
Home equity loan vs. refinance
Home Insurance

In this Webinar you will learn tips from the pros on how to buy a car the smart way. Topics include:

How to negotiate the price
Myths of extended warranties, GAP, and Credit Insurance
The loan process

In this Webinar presented by AutoLand, you'll learn the ins and outs of car buying to become an educated shopper and gain useful insights before you buy!

Setting a budget
What to know before you shop
How dealerships work
Negotiation tips
Valuating your trade-in

In addition, all webinar attendees who buy with Autoland & finance with Provident will get a $250 Cash Bonus*

* Offer valid through August 1, 2017

Putting a child through college is one of the largest expenses most families will ever face. This seminar will discuss goals, objectives, and long term planning needed to save for your child's college education.

Define Your Target
Building Savings Monthly
Keep an Eye on Taxes
Choose Your Investments

Regardless of the method you choose, saving for your child's college education is like any other investment. The time to start is now. The sooner you start, the better the chances your money will increase substantially and enable you to pay for your child's education with ease. Topics covered include:

Ways to Save for College
How to Meet Rising College Costs
Section 529 Plans
Coverdell Education Savings Accounts

Ways to Save for College
How to Meet Rising College Costs
Section 529 Plans
Coverdell Education Savings Accounts

"Back to School" strikes a whole new chord when it comes to college expenses. Make the most of your college savings. Learn about various flexible education funding tools, some of which include the potential for tax deferred growth and estate planning benefits. This presentation will include the following:

A look at current and projected costs of higher education
Overview of various methods of college funding
Specific features and benefits of the 529 Plan
Potential tax deferral and estate planning benefits