Classes designed to help clients get out of debt, improve their credit, save money for the future, get ready for home ownership, learn the basics of investing, avoid predatory lending, and become financially independent. Strategies include: - Budgeting to create savings - Reducing debt - Fixing credit report errors - Paying off collections - Building good credit - Helping to maintain solid income and employment and saving for down payment? - Certified Homebuyer Education course that is often required by lenders Housing Counselors help clients get mortgage-ready and once ready, figure out how to: - Shop for a lender - Pick a loan - Decide on a real estate agent - Find a home - Figure out home inspection, home insurance and closing processes - Housing Counselors assist throughout the entire home-buying process FAIM Matched savings program for down payment and closing costs, often used to help save for first-time homeownership

Works to support business in Granite Falls. Manages the city's Revolving Loan Fund and other financial incentives. Helps businesses write plans and connects them with other organizations that can help. Develops strategies to improve the business climate EDA board.

- Professional development training for providers - Provides services to assist families in finding quality child care - Start-up assistance including technical assistance, coaching, and grant funds to support providers

Trillium Elder Care offers seniors personalized services in their own home. Service options include: - Personal Care - Companion Services - Transportation - Escort Services - Home Helper

- Consultation and technical assistance is provided to employers regarding child care - Support and information telephone service for family child care providers - Technical assistance related to children, parents, program, guidance, child development and business issues Build Your Own Child Care Program: staff meet with the participants to assess needs and design a plan, set goals, and create a timeline unique to the child care program needs. Offers up to 20 hours of free individualized service and will help: - Access required training and professional development opportunities - Connect clients with a Parent Aware Coach who will work with them to build a quality, star-rated program - Navigate the Minnesota Department of Human Services Licensing process - Set up the child care environment

The primary purpose of the Board is to support the work of the Action Teams. The Board assumes responsibility for: - Establishing fiscal priorities for all Collaborative funds - Approval of Collaborative budget - Establishing Collaborative policy - Establishing an Integrated Fund - Selecting a fiscal agent from among the Parties to this agreement - Contracting/employing the Coordinator - Maintaining representation on committees

Representative payee services help with: - Daily money management - Encourage savings - Establishing a financial base A veteran administration fiduciary service helps with: - Creating a budget - Establishing financial goals and financial base

Provides services for adults in their own homes and throughout the community. Can work on goals that are important to the client to increase independence. Examples of goals include: - Accessing community resources - Budgeting, paying bills, and gaining financial skills - Cleaning - Cooking - Grocery shopping - Health and safety - Independently taking medications - Participating in the community in which they live - Accessing transportation and options for greater mobility - Building relationships and networks - Personal safety - Personal care and hygiene - Personal boundaries - Meal planning and preparation, including nutritional education - Money management - Obtaining and maintaining a home - Time management

- Consultation and technical assistance is provided to employers regarding child care - Support and information telephone service for family child care providers - Technical assistance related to children, parents, program, guidance, child development and business issues Build Your Own Child Care Program: staff meet with the participants to assess needs and design a plan, set goals, and create a timeline unique to the child care program needs. Offers up to 20 hours of free individualized service and will help: - Access required training and professional development opportunities - Connect clients with a Parent Aware Coach who will work with them to build a quality, star-rated program - Navigate the Minnesota Department of Human Services Licensing process - Set up the child care environment

Assists individuals one-on-one with identifying goals, creating action plans, and walking the steps of their plan. Coaches act as cheerleaders, accountability partners, and guides. Also offers educational opportunities for GED, College Prep, College Study/College Success, Digital/Computer Skills, and Career Pathways in Healthcare and Customer Service.

- Develops an ongoing marketing program to attract commercial and industrial development - Initiative Foundation Program: A number of financial loan programs are available from the Initiative Foundation to assist businesses with gap financing - Minnesota Community Capital Program: Businesses located within the service territory of East Central Energy can borrow up to 1.5 million with the support of East Central Energy and Great River Energy - Minnesota Job Skills Partnership: Competitive application program to assist with customized worker training; training is provided at the business site by qualified trainers from a state college - Minnesota Investment Fund: Loan funds are available from the Department of Employment and Economic Development through the City of North Branch.; amount based upon the number of jobs created or retained and wages paid - North Branch Revolving Loan Fund: Provides a low-interest, short-term gap loan to assist in financing of projects of special interest to the City - Small Business Administration (SBA) Loans: Commercial banks can assist in applying for funds from the SBA for 504 and or 7A programs Workforce Development Assistance - Small Business Development Center: One-on-one counseling and assistance with business planning, financial projects, marketing, etc. - Works to attract new industries that bring an enhanced tax base, jobs and new capital into the community

- Physical Therapy - Billing services - Home Care - Chiropractic Care - Pschycology Services

Provides services for adults in their own homes and throughout the community. Can work on goals that are important to the client to increase independence. Examples of goals include: - Accessing community resources - Budgeting, paying bills, and gaining financial skills - Cleaning - Cooking - Grocery shopping - Health and safety - Independently taking medications - Participating in the community in which they live - Accessing transportation and options for greater mobility - Building relationships and networks - Personal safety - Personal care and hygiene - Personal boundaries - Meal planning and preparation, including nutritional education - Money management - Obtaining and maintaining a home - Time management

Representative payee services help with: - Daily money management - Encourage savings - Establishing a financial base A veteran administration fiduciary service helps with: - Creating a budget - Establishing financial goals and financial base

Providing technical assistance to communities, businesses, and local organizations through: - Community Planning?? - Energy and Environmental Planning - Economic Development - Revolving Loan Funds (Business Loans) - Mobility Management - Fiscal Hosting