Finally, real answers, real hope, proven results and helpful mentoring for turning your little firm around!  

scroll all the way down to enter the accessible Money Smart® Curriculum training courses - most are free to take but you must create your own login account to take them

Many thanks to these preferred vendors: They allow us, to enhance your learning by using their amazing products to explore further in topical deep dives plus train you in how to get better and faster profit coaxing results.  Learn how to work smarter, not harder!  Do reliable yet affordable market research. Polish your management job skills. Our group forums are also a neutral, vendor sourcing service to help you find business partners.

corporate logos of preferred vendors: Intuit QuickBooks; Citrix; Freedom Voice; Content; Arvixe, Survey Monkey; CPanel; The University of Nottingham; Zen Cart; Microsoft; Money Smart by FDIC and SBA; and PDF Complete

Course level:  total beginner.

You'll spend about 15% of your time in our learn at your own pace from home, e-learning labs, and the rest of your time inside our community sandbox (forums) practicing your job skills and doing buyer / seller / landlord / tenant / employer / employee role plays with the other coalition members. Mentored by successful firms. Watched over by workforce development partner agencies!

You can earn real cash and even find new clients for your firm here!  

Get the skills and support you need to succeed in business! 

We all want to see both you and your family able to pay your bills on time!


About Our Enhanced Money Smart® courses ( geared towards newbie Americans or newbie business owners who may not have graduated from high school.)

Entrepreneurial Courses are taught in multiple languages (100+).  Courses are intended for people with no finance training who have never used a computer in a business before. Courses are for people who are thinking about starting a firm as well as for existing firms who are almost out of cash.  The enhanced version includes a portable, mobile computer that you can use to run your business along with job training simulations - shadow a newly hired office manager's onboarding training in a mid sized firm to learn about and apply internal controls and best practices. [There is a small monthly lab fee for the mobile desktop computer hosting.]  The enhanced training can include an optional add-on academic textbook and preparation study materials 1 year access for persons needing to take their USA citizenship course or their high school equivalency challenge exam.  The Enhanced courses and new hire onboarding job simulations are Optimized for people with weaker academic skills and/or English Language Learners.  They also include speed reading and comprehension skills labs plus word specific pronunciation and dictionary meaning help features.  No income eligibility limits apply for any of your clients to take these courses.  The business owners in the trade association also want to help your organization to build its capacity and name recognition at the same time!


The Contractor Training Coalition, Inc. is a Money Smart® financial literacy Alliance provider and training partner.  The Money Smart® courses developed jointly by the FDIC and USA Small Business Administration, are currently taught to your clients via live instructor webinars.  But we are in the process of taking this training curriculum up to a whole new level!  Rolaine (your instructor and owner of the coalitions managing member firm Heal Thy Biz Online) is working as hard as she can to convert them over to make available to you in interactive e-learning, self-study webinar format. The enhanced learning labs include assistive learning technology help features for those who struggle with language barriers or academic weaknesses. 

Most people are not aware of this, but there are things you can do with your marketing and accounting paperwork, as well as in your business office that will increase your customers' willingness to buy, and can drastically improve your firm's bottom line.  So your clients are concurrently walked through a new hire training regimen where they will actually role play being an office manager in a busy, medium sized firm, by including practical learning labs developed by Rolaine. All training activities done in our Smart Growth Community Wide Sandbox, (a remote telecommute business incubator, and our neutral, zero-sales pressure, vendor sourcing "introductions") are carefully designed to help your agency sensibly and affordably intervene to heal an economically distressed firm and/or familiarize new Americans or newbie entrepreneurs with the cultural business transaction norms of the American marketplace.  They will inform clients about an employer's legal responsibilities, while fortifying them with consumer self defense skills so they don't get caught in and hurt by so many fraud scams.


If you are a non-profit agency or just concerned about how many businesses in your area seem to be struggling, please partner with us to help your economically worried clients and other, new Americans to rebuild their shattered lives!  

We are a trade association of concerned business owners with a full fledged welfare-to-work facilitator charity operating at the heart of it.  We are an intermediary agency - we provide technical support services and client / staff training for other non-profit charities.  We do this by hosting a common training venue for your clients where everyone can meet together in our online forums to build his or her own business.  The coalition members all role play being the buyer vs the seller or being the employer vs the job seeker or the employee or being the landlord vs the tenant.

Our program services are geared towards helping our communities find sensible ways to help people find jobs and encourage firms to start up or heal, and then grow. Plus, we provide a court mediation service and a contractor's employer responsibilities awareness certification course, to support local governmental officials across New York State, who are trying to get their community's businesses and buildings safe.

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