Our Services

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Our individual Financial Coaching is a yearlong relationship with a Capital Good Fund Fellow.

During three one-on-one 1.5-hour sessions, you’ll create an action plan for every aspect of your personal finances, including credit, debt, budgeting, banking and saving. We’ll focus specifically on the topics that are most relevant to you, whether you want to get out of debt, save for college, or simply learn how to manage your money more effectively.

After the first three financial coaching sessions we’ll have four additional meetings throughout the course of the year: at the 6 month and 12 month marks, and two more at times of your choosing, where we can work on entrepreneurship, health, and energy use.

Financial Coaching costs $150, to be paid through 12 monthly payments of $12.50 that we treat as a 0% interest loan to build positive credit history. Graduates of our Financial Coaching program go on to manage larger loans from Capital Good Fund with more confidence and stronger results.

Introduction to Interest


This video provides a very basic explanation of interest. It compares and contrasts the behavior of simple and compounding interest through clear, step-by-step instructions and examples.

 

 

Return on Capital

This video explains the idea of a return, and, in particular, a return on capital. This video explains how to use this tool as a basis for analyzing ventures as well. The video also covers cost-benefit analysis as an added measure for choosing an investment.

 


Investment v. Consumption

This video compares and contrasts the difference between investing money and “burning” money. It specifies the idea that an investment should provide a return, rather than being used simply for consumption.

 


Annual Percentage Rate (APR) and Effective APR


This video explains the difference between APR and Effective APR, and how each can be determined. This is an important tool for anyone applying for a credit card or loan.

 

 

Payday Loans


This video provides a simple example to illustrate the excessive APR associated with payday lending.