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News
Money
Talk:
A Financial Guide for Women
Posted 19 January
2010
Get married or divorced. Have a child. Lose a job. Deal with the death
of a spouse. Live longer than men, but earn less on average. These
common situations provide the backdrop for many women’s complex
relationship with money. Iowa State University Extension’s Money Talk
program helps women understand these dynamics and take charge of their
financial future. The next class begins Feb. 8 and is available online
or as a home-study course.
Money Talk covers financial basics, insurance, investing, retirement
planning and planning for life events, said Erin Ludwig, an ISU
Extension Family Resource Management Specialist. The course costs $75
and includes a 190-page workbook. Women can register through the ISU
Extension Online Store (www.extension.iastate.edu/store,
enter
money talk in the search box) or call Human Development and
Family Studies Extension, (515) 294-6568. The registration deadline is
Feb. 1.
Money Talk helps Iowa women increase their knowledge so they can make
wise financial decisions, Ludwig said. “You’ll learn financial
terminology and money management skills to become a more informed
consumer. You also will have the opportunity to complete exercises and
interact with the instructor and other women in the course.”
Monica Lamm took the course because she wanted answers to the financial
planning questions she had after the arrival of her first child.
“This may sound overly simple, but before the course, I knew we needed
a plan in place to save for college, retirement, big ticket expenses.
The problem was that I did not know how to go about setting specific
goals and constructing an action plan to help us work toward each
need,” Lamm said.
Money Talk helped Lamm put that plan in place; she recommends that
other women take the course.
“The information is provided in a very practical way. Most of the
exercises that you complete pertain to your own financial goals. It
would be difficult not to have a good plan in place by the end of this
course,” Lamm said.
Dianne Cooper took the Money Talk course because she wanted to make
better financial choices. “I thought the parts most beneficial were
working out a budget, planning for the future, having some sort of
plan, and understanding debt to asset ratio,” she said.
“I was a little lost in the section about the various nest eggs —
IRAs, bonds, money markets, etc. I had to go back and reread sections,
but I think I now have a better understanding. I liked the fact that
you could do the modules at your own pace and are not rushed,” Cooper
said.
“I would highly recommend this for any woman to take. I sure wish
I had taken this a long time ago,” Cooper added.
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