Hammonton, N.J. — Do you know how money really works?

Two new courses — Essential Financial Literacy and Intermediate Financial Literacy — provided by Stockton’s Office of Continuing Studies aim to answer that question. Both courses will be held at Kramer Hall in Hammonton in April and May.

Both courses will be led by Benjamin Ott, a Hammonton-based accredited asset management specialist, and they are designed to enhance basic financial literacy for adults.

“Essential Financial Literacy” will teach you about how your money can work better for you. The series will review the basics of investing, how banks and credit cards work, the difference between “good debt” and “bad debt,” when is a good time to borrow, making interest rates work for you, and an introduction to stocks, bonds and intermediate financial planning.

The course will be held 6 to 8 p.m. Thursdays April 13, 20 and 27. The price is $109. Adults and mature teens with adult chaperones are invited to attend. Each paid registrant is allowed to bring a guest for free.

“Intermediate Financial Literacy” will build off the previous “essential course” and will focus on the stock market, P/E ratios, bonds, interest rates, maturities, insurance policies, variable annuities, mutual funds, 401(k)s, IRAs, inheritance, estate taxes and tax consequences from investments.

The intermediate course will be held from 6 to 8 p.m. on Thursdays May 4, 11, 18 and 25. The price is $119. Adults and mature teens with adult chaperones are invited to attend. Each paid registrant is allowed to bring a guest for free.

Go to stockton.edu/cs for more information and how to sign up. Kramer Hall in located at 30 Front Street in Hammonton.