Let’s. Talk. Money.

Free Classes

September 5th, 12th, 19th

6-8 PM

“Let’s. Talk. Money: A tool for Empowerment.”


We are bringing back free financial classes, and this time around, we’re adding an investment/retirement savings portion to the budgeting session.

Financial empowerment can change the world and be accessible, and it’s why Four Rivers Cultural Center and Umpqua Bank are proud to partner for “Lets. Talk. Money: A tool for Empowerment” — A FREE 3-part series financial education class suitable for all incomes. Classes are from 6 to 8 p.m. on September 5, 12, and 19, and will be available in English and Spanish. This 3-part series class will provide you with accessible tools to better understand your finances and how you can influence your financial future regardless of low income. These tools are taken home and applied immediately.

SEPTEMBER 5: Good Credit is for Everyone

It would be rare not to use credits to pay for large purchases, like car repairs, buying a house, or any emergency. Credit can be hard to understand, but understanding it is important for managing your finances responsibly, as credit can affect many parts of your life.

– Understand what credit is, how it works, and why you need it.

– Understand the different ways of establishing credit.

– Know your responsibilities as a borrower.

– Know how to monitor credit using a credit report and credit score.

– Understand loans and credit cards and how to borrow responsibly.

SEPTEMBER 12: Homeownership

Understanding the home buying process and the difference between renting versus owning and financially protecting your home.


– Knowing the pros and cons of renting versus owning a home.

– Identify questions to ask to determine their readiness to buy a home.

– Identify the steps required to buy a home.

– Identify basic terms and required disclosures used in a mortgage transaction.

– Know the pros and cons of different mortgage options.

– Know how interest rates affect the amount of house they can buy.

– Explain how taxes and insurance affect a monthly payment and the amount of house they can buy.


  • Pros and cons of borrowing against a home

  • Explain what to do if they are having trouble making payments.

  • Learn about different types of refinancing options.

  • Explain the pros and cons of a reverse mortgage.

  • Identify predatory lending practices and loan scams.

SEPTEMBER 19: Budgeting & Investment/Retirement Savings for Every Income 

Budgeting is the foundation of personal financial planning. It allows you to manage your money by tracking your income and expenses. Since every person is different, it is important to know how to create a budget to use for your own specific needs.

– Understanding budget, and how to create and maintain one.

– Understand the different types of income and how taxes are calculated.

– Know useful budgeting concepts such as fixed and variable expenses.

– Understand how short-term and long-term financial goals are set and utilized.

– Know how to keep your budget up to date.


Together, Umpqua Bank and the Cultural Center, are tackling Malheur County’s poverty issue with financial education for the community. For the past decade, Malheur County has had some of the highest rates of poverty and unemployment in the entire state of Oregon. Nearly, 150,000 Oregon residents earn minimum wage, according to the Bureau of Labor and Statistics. What’s more, is that 61 percent of Americans do not have enough money in savings to cover a $1,000 emergency, while 34 percent of the same Americans have no savings at all. Financial education is crucial in rebuilding the lives of families and communities.