Finances & Retirement Planning

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Investments and Finance

Invest Wisely: Secrets from Wall Street
It’s time to take charge of your money! Learn how not to get ripped off when buying or leasing cars, buying insurance, investigating long-term care insurance, and investing with or without financial planners. Gain confidence to invest on your own or be able to interview financial planners.
CE-FIN 2006, 1 Wed., Mar. 16, 6:00-8:00 pm, KNC-3, $25 (+ $20 optional materials fee, payable to instructor). R Nathan. #12738

Finances for Women
Become a smarter investor and gain the confidence to take control of your finances. Hear timely investment ideas for your stock and bond portfolios, mutual funds, maturing CDs, IRA or 401(k), inherited accounts, cash and annuities. Learn to avoid some common investing mistakes. Learn terminology you need to know before investing.
CE-FIN 2020, 2 Wed., May 4 & 11, 7:00-9:00 pm, KNC-3, $40. E Fishman. #12675

Get Great Real Estate Deals
Learn to buy or sell your home, foreclosure property, land, condo, or vacation home, and how to buy investment properties. Also discover working with and without realtors, obtaining financing, buying for no money down, renting with options, screening buyers or renters, and short sales and foreclosures.
CE-FIN 2000, 1 Wed., Mar. 16, 8:00-10:00 pm, KNC-3, $40 (+ $20 optional materials fee, payable to instructor). R Nathan. #12737

Planning For the Future

NEW! Keep Your Income Flowing During Retirement Years
Planning an effective retirement income strategy is more important than ever when facing increased taxes that may affect your pension, social security, IRA distributions, and Medicare benefits. Explore concepts that can help you to plan a retirement income strategy with the goal of maximizing income, minimizing taxes, and protecting your assets from the costs of long term care, all while having your money last through your lifetime and the lifetime of your spouse. If you are retired or thinking about retirement, you will not want to miss this program!
CE-FIN 2054, 1 Wed., Feb., 17, 7:00-9:00 pm, LIB-101, $25. J Silverman. #13259

NEW! Life Planning for Your Child with Special Needs
Planning for the future of a child with special needs can be an overwhelming process. With the time needed to plan for schooling, medical care, and outside activities, many times long term planning often gets put aside. Learn the steps to develop a Life Plan to provide the best future possible. Areas to be covered include planning for different stages and ages, availability of government benefits including SSI and Medicaid, protecting your child’s future with Special Needs Trusts, financial strategies to fund the future, guardianship, letters of intent and future housing and employment opportunities.
CE-FIN 2012VA, 1 Wed., Feb. 10, 7:00-9:00 pm, Room TBD, $25. J Silverman. #13260

Financing Options for Long Term Care
Most people will need some form of ongoing assistance, such as help with activities of daily living as required by a cognitive condition. Don’t be one of those who mistakenly believe that Medicare and Medicare supplemental insurance offer LTC protection. We’ll discuss family caregiving, Medicaid, long term care insurance, hybrid lifelong term care and annuity/LTC products, personal savings, home equity, and VA benefits.
CE-FIN 2048, 1 Wed., Mar. 30, 7:00-9:00 pm, KNC-3, $25 (+ $8 materials fee, payable to instructor). R Howie. #12758

Doing Right by Your Aging Parents
Are your mom’s affairs in order? Will dad outlive his assets? Do they have a will, trust and/or power of attorney in place? How does Medicare/Medicaid work regarding nursing homes? Is long term care insurance really worth it? Help your parents navigate their later years and learn about various health care options and financing, medical advance directives, estate and asset protection, retirement planning, and end-of-life matters.
CE-FIN 2049, 1 Tues., Apr. 5, 7:00-9:00 pm, KNC-3, $25 (+ $10 materials fee, payable to instructor). R Howie. #12756

Home Care and Senior Housing Options
There is a lot more out there than just nursing homes for seniors. Learn the pros and cons of various home care options (home health care, home care, aging in place), senior housing options (continuing care retirement communities, independent living, assisted living, nursing homes, memory care) and other special care (rehab centers, respite care, adult day care). We’ll discuss healthcare financing options and you’ll get tips for staying in your home longer.
CE-FIN 2050, 1 Wed., Apr. 20, 7:00-9:00 pm, KNC-3, $25 (+ $10 materials fee, payable to instructor). R Howie. #12757

Estates, Tax Savings and Trusts
Effective estate planning can save you and your family money and aggravation. Learn legal information in simple English. Focus on wills, joint assets, trusts, death/gift taxes, using your bank effectively, powers of attorney, tax planning, shifting assets, living wills, and healthcare proxies.
CE-FIN 2001VA, 3 M/T/Th, April 18, 19 & 21, 1:00-3:00 pm, KNC-2, $80. M Richman/A Leinwand. #12905

Retirement Planning Today®
Learn how to manage investment risks, use new tax laws to your advantage, make informed decisions about your company retirement plan, and adjust your estate plan to function properly. Whether you are just beginning to develop a retirement plan or rapidly approaching retirement, you’ll learn how to define long-term goals.
CE-FIN 2027, 6:30-9:30 pm, KNC-5, $49. A Kalender.
Sec. A: 2 Thurs., Jan. 28 & Feb. 4. #12790
Sec. B: 2 Tues., Feb. 2 & 9. #12791

Maximizing Your Social Security
Prepare for your retirement and learn how to get the most out of your social security benefits. Learn to manage longevity risk and strategies to maximize the amount of money you receive throughout retirement. Among the topics included are spousal benefits, the impact of divorce, death, delaying benefits, early retirement, and taxation. You’ll receive the guides: Myths and Facts about Social Security and Social Security: What Should You Do at Age 62.
CE-FIN 2036, 1 Wed., Feb. 3, 6:30-8:30 pm, Room TBD, $20. J Brenkovich. #12640

Financial Freedom Empowerment: Financial Freedom Forecast
What can you do to forecast your financial future? Take control of your finances, become a smarter investor, educate yourself and increase your knowledge and skills in promoting financial fitness for you and your family. Gain confidence as you learn about budgeting, responsible saving, tracking your finances, saving for long term items, assets and liabilities, debt management, and investing in stocks and bonds.
CE-FIN 2025, 1 Sat., Jan. 23, 10:00 am-12:00 noon, Room TBD, $20. L Nicholas. #12739

Consumer Finances

The Affordable Care Act and Medicare
What effect does the Affordable Care Act (ACA) have on Medicare and on your Medicare coverage? What is the likely effect on doctors, hospitals, and drug companies? Will it become harder for me to find a participating doctor or hospital? What exactly is the Medicare “donut hole” and how does the ACA affect it?
CE-FIN 2047, 1 Tues., Mar. 22, 7:00-9:00 pm, KNC-2, $25 (+ $10 materials fee, payable to instructor). R Howie. #12758

Cutting Costs in Difficult Times
Learn how to save thousands of dollars by investing on your own with no-load mutual funds, the benefits of credit unions, buying used cars, saving when buying a new car, home or life insurance, and how to cut your school and county taxes. Hundreds of money saving websites will be shared.
CE-FIN 2002, 1 Wed., Mar. 16, 6:00-8:00 pm, KNC-2, $25 (+ $20 optional materials fee, payable to instructor). B Nathan. #12735