What happened to the stock market in 2008 and 2009? Did you experience a large loss in your portfolio? This class will address more advanced topics in retirement, including recommendations and strategies on safe investing in the future.
The central part of money management is how you handle money when you get it. This session will look at a range of topics from how to understand a pay stub, how to prioritize spending on bills and other necessities, and, how to know how much money you will have by the end of the pay period. Finally, you will leave with tips on how to make large and small purchases wisely, avoiding predatory lending, and unnecessary expenses.
Divorce and losing a spouse are very emotionally trying. Even under the best circumstances, certain financial steps need to be taken. This class explores the financial issues you need to consider if you find yourself suddenly single due to divorce or widowhood.
Do you have a checking or savings account? Are you saving regularly? Learn about different ways to save using alternative accounts to grow your money. One such account is an Individual Development Account or IDA, which provides a match on every dollar you save!
Explore strategies for making the most out of your retirement savings accounts. Gain a better grasp on how federal income tax is calculated in order to plan for retirement. The instructor will cover basic tax credits and how to plan for taxes in your budget and savings plan.
In Part 1 of our Money Talks series, an instructor will discuss the basics of budgeting, with the goal of providing innovative ways to stretch the ever shrinking dollar.
Buying a home is often the largest purchase a person will make in their lifetime. Therefore, it is important to look at the benefits and risks of owning a home. This class will help prepare you by: calculating how much home you can afford, how much you need to save in order to buy, and provide insight into what lenders look for during the mortgage application process. Finally, the instructor will review the many kinds of mortgages available, and which may be right for you.
This class is designed for everyone living on a fixed income. Learn to "stretch" your income by setting priorities, establishing a budget, planning and saving.
Your home is your largest single investment. It is smart to know as much as you can about reverse mortgages so that you can make an informed decision if one is right for you and your circumstances. This course will cover the basics, important terminology, and the advantages and disadvantages of the reverse mortgage.
90% of all women will have sole responsibilty for their finances in their lifetime..... yet 79% of all women have not planned for this. Women actually make most of the decisions and investments. Are you ready to take control of your financial life? Learn how.... the payoff is big!
Topics Include:
When your debt is out of control, the road to your financial security may take a detour. This class will show the warning signs of a credit crisis and let you know your options if you are already in a crisis.
It is difficult to get ahead if you never seem to have enough money! This class will help you understand your cash flow (how much money do you make vs. how much money you spend) and explore ways to take control of your money. The two goals of this course are:
Although often overlooked, estate planning is an important part of your financial health. This class will assist you in putting together an action plan to ensure your personal affairs will be managed efficiently and your loved ones will be financially secure. Learn about wills, trusts, tax strategies, how to find an estate planning attorney, an executor, and more.
This class is designed for everyone living on a fixed income. Learn to "stretch" your income by setting priorities, planning and saving. Attention will also be paid to the importance of establishing a budget and the positive impact it has when living on a fixed income.
As the title suggest, this course will offer ideas on how to best manage your money when living on a fixed income. It will also cover concepts on what it means to "Pay Yourself First", the importance of budgeting, and taking control of your money.
Many investors experienced large losses in their portfolio in the last few years. The key to making money is "preservation of capital". Portfolio performance is a balancing act between participation in a rising market and preservation of capital in a declining market. In this seminar, we will examine:
90% of all women have sole responsibility for their finances in their lifetime... Yet 79% of all women have not planned for this. Women actually make most of the money-based decisions in the world today. They make most of the choices about purchases, and most decisions about investments. Are you ready to take control of your financial life? Learn how... The payoff is big.
Americans are living longer these days than in the times past. As a result, many people's retirement portfolios will need to stretch farther then they once did. Learn retirement planning strategies, how to maximize your returns and where to invest in 2010 to earn higher income and potentially higher returns. In this seminar, we will examine: