 Community Financial Lyrice is a non-profit organization which was founded back in 2008 just with the goal of empowering immigrants and refugees with financial education for a better future. We tried to provide financial training so that people can be able to learn a new system as they move in this country from a different part of the world. Today we have a workshop. We are teaching a course called Savings to Build Wealth. So we have two series of classes and this is the second class which we teach just the principles of savings after people have learned how to budget and plan. So we take them to another level to learn how to save and understand the importance of savings. Why it's so important and what they have to do to be able to save money. As long as you have to deal with money, you really need this class because it doesn't only talk about what people think but it talks about things like budgeting, how to set financial goals, how you can establish credit or how you can fix credit for people who have been here for a long time making just few mistakes can damage your credit, how you can fix that, like myself after being here nine years I didn't know how to order my credit report I didn't know how to read my credit report but after being in the class I was able to do that and that's why we are teaching them. We are teaching these are tools that everybody needs in their life in order for them to emerge. The American financial system is completely different because we never learned how to do credit. We never understand anything about credit score. So we rarely used the credit cards, it's a little bit different story. So for us to be here in this country and be able to build a better credit to be able to utilize the system is to be able not to use cash but to live like the American dreams which is we need to learn how to set some financial goals, be able to buy assets if you can afford it with a good credit lower our interest rate. So all these systems were now functioning in some of the countries where most of our refugees and immigrants come from. The instruction we get here help us more to know what does it mean living in our state. The university is like moral personality and dealing with someone in institution we have to know him. The class help me to respect in our state and to call in our state to respect me. That's the conclusion I can get. Community financial literacy provide classes to all refugees regardless of where they came from because whether you came from Europe, whether you come from Asia or Africa most of these students still face the challenges of learning how this new system works. We have had all kind range of students from Iraq, from Iran, from Sudan, from Congo, from Somali, from Djibouti so all kind of students anybody who is a refugee really can find this program very helpful to them. Coming from different countries, coming from different financial systems it's very hard to adjust but once they start practicing they understand what we are teaching them and it gets easier over time after they practice. Some people who have been here longer may just assume that they understand the financial system. It's so complex. Even Americans were born here are still struggling to understand these terminologies of financial education programs. The first time I took Claude's class was in 2009 after being in the United States for nine years and I thought I knew but I didn't know so when I took this class in 2009 it really changed my life because I was able to correct some of the mistakes I was making financially. We provide also financial counseling so folks who may be home don't have time to attend the class they can still come to the office which is located at 309 Cumberland Avenue they can come and learn on their own time. Our website is www.cflmain.org and our office is located at 309 Cumberland Avenue, Poland Main and we are open Monday through Friday from 9 to 5.30. Our office number is 207 797 7890 It's so helpful to see how people, some of them really can learn this and be able to utilize that so quickly without any problem be able to save a couple thousand dollars within a year.