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Understanding Wall Street
Understanding how stocks, bonds, mutual funds and the various financial vehicles of
Wall Street function is essential to a solid financial backbone. Learn what these
vehicles are, how they work and separate fact from fiction when it comes to fueling
your retirement fire. Discussion will include how these items work and how the taxes
and fees woven into these vehicles can affect your bottom line. You will get an overview
of stocks, bonds, and mutual funds (what's the difference?); tax considerations (the
ultimate loophole); understanding fees; common financial myths; overcoming obstacles
to creating wealth; and exit strategies (how these vehicles can affect your legacy).
FINC:765 | 1 session | $19 Age 60+ | $19 Regular
P03 | Tu 6-8 p.m. | Andrew Hall | Feb. 19 | STLCC-South County, 102
P04 | Tu 6-8 p.m. | Andrew Hall | March 5 | MC-SO, 107
Managing Investment Risk in Bear Markets
The market is up, the market is down. Interest rates are increasing. Tax cuts and
booming deficits make us question the sustainability of the longest bull market in
history. RMD's (required minimum distribution) must be well-planned-we need our retirement
savings to last a lifetime. How could all these unknowns affect our legacy? In this
class, we will explore how to preserve and grow your assets in the possible upcoming
bear market. What tactics and strategies do the wealthy utilize in down markets? Jason
Ingram and a guest instructor will help you to look at how to navigate in the gathering
financial storms.
FINC:705 | 4 sessions | $35 Age 60+ | $35 Regular
P04 | Tu (Th, week of Feb. 12) 4-6 p.m. | Jason Ingram | Feb. 5-Feb. 26 | FP-G, 327
• NOTE: Class dates have changed. Feb. 12 class will instead meet on Thursday, Feb.
14 due to instructor work travel.
What Everyone Needs to Know About Divorce
Course will deliver the legal, emotional and financial issues of divorce in a logical
yet compassionate way. With the guidance of trained professionals, workshop participants
will gain a greater understanding of the confusing and challenging divorce process.
The more information and support you have, the better the decisions you'll make for
yourself and your family, leading to a more hopeful future. Course will be taught
by a divorce attorney, a mental health professional and a Certified Divorce Financial
Analyst.
FINC:765 | 1 session | $29 Age 60+ | $29 Regular
P02 | Th 6-9 p.m. | Laura Boedges | Feb. 21 | MC-SO, 108
Financing Long-Term Care
In the next 30 years, the number of people needing long-term care (LTC) services will
rise from 13 million to 27 million. With over two-thirds of the American population
needing care, coupled with the baby boomers rapidly approaching the Age in which LTC
becomes the norm, costs have and will continue to skyrocket. This course will examine
this crisis, what is causing it, and how to mitigate it through traditional insurance,
Medicare/Medicaid and other financing options to limit your out of pocket costs.
FINC:746 | 1 session | $19 Age 60+ | $19 Regular
P05 | Th 6:30-8 p.m. | Steve Glazer | March 7 | FP-G, 111
Paying for Long-Term Care: Alternative Funding Options
What is long-term care (LTC) and how do you pay for it? If you have ever experienced
a friend or family member who has needed long-term care, you understand the costs
associated with providing this assistance. The question is how to pay for it without
having to purchase long-term care insurance. Class will focus on alternative financial
programs that can be used to pay for LTC instead of specifically buying a long-term
care insurance policy.
FINC:746 | 1 session | $25 Age 60+ | $25 Regular
P03 | W 7-9 p.m. | Steve Glazer | March 27 | WW, 201
P02 | W 7-9 p.m. | Steve Glazer | April 3 | MC-SW, 103
Foundations of Investing
Are you just getting started with personal investing or want to learn more so that
you can better communicate with your current financial advisor? Come learn about the
basics of investing including the key features of bonds, stocks and mutual funds;
the investment pyramid and the importance of asset allocation; how to set SMART financial
goals; risk tolerance and the portfolio objective that is right for you; and the impact
of inflation and tax diversity on your long-term goals.
FINC:705 | 2 sessions | $39 Age 60+ | $39 Regular
P01 | Th 6-9 p.m. | Margie Bittner | March 28-April 4 | MC-SO, 109
Scams and Identity Theft
If you use a credit card, have a checking account, or use the internet, it is important
that you be aware of the latest scams. It can take months and cost over $1,000 to
recover and clean up your identity and credit, but only two hours to learn how to
prevent it. Through this informative, example-based class, you will learn why people
lie and how to detect deception; scams and the do's and don'ts; the who, what, where,
when, how and why of identity theft; what to do if you become a victim; and free investigative
resources you can use at home. Don't get scammed! Cost for adults 60+ and over $20.
Room MC-SO, 107.
FINC:765 | 1 session | $20 Age 60+ | $25 Regular
P01 | Sa 10 a.m.-noon | Cheryl Ring | March 30 | MC-SO, 107
Where Does All My Money Go? Gain Control of Your Finances
Are you one of 70% of Americans who worry about your finances? Are you one of 60%
who don't have a budget? You don't have to be a CPA to manage your finances and build
wealth within the resources that you have. Learn about budgeting, building emergency
savings, paying down debt, saving for retirement and a crash course in building wealth
through investments. Many of the financial questions you were afraid to ask will be
answered in this course that will help you take control of your finances and help
build a better future for you and your family. Bring a sack lunch and drink.
FINC:735 | 1 session | $25 Age 60+ | $35 Regular
P03 | Sa 9 a.m.-1 p.m. | Tiffany Smith | April 13 | MC-BA, 116
Preparing your Finances for College and Beyond
You just graduated from high school and are off to college! But now what? In this
class you will learn how to enter adulting the right way financially and discover
the importance of budgeting, saving and investing even when you don't think you have
enough money. How much should I take out in student loans? Should I work or take an
unpaid internship? Do I really need to start saving for retirement NOW? I want to
travel- can I do that and still save? How do I make my money work for me? How do you
balance it all? All of these questions will be answered in this dynamic workshop that
uses real world examples and practical application demonstrations.
FINC:735 | 1 session | $25 Age 60+ | $35 Regular
P02 | Sa 9-11 a.m. | Tiffany Smith | May 4 | MC-SO, 107
Click on the headings below to view additional courses:
Buying A Home? Top Home Buying Mistakes To Avoid
"If only we had known" is the sad tale of too many home buyers. Come spend a valuable
evening preventing mistakes that don't have to happen. Purchasing a home is the largest
investment you'll ever make. Get the inside scoop to avoid surprises at closing. We'll
discuss what you need to know before you purchase, what you can expect throughout
the process, the strategies to use to obtain the best value, the importance of understanding
the contracts you sign, getting the right inspections before closing the deal and
how to safeguard yourself in any market.
REAL:701 | 1 session | $14 Age 60+ | $19 Regular
P01 | Tu 7-9 p.m. | Jill McCoy | Feb. 19 | MC-SO, 108
P02 | Th 7-9 p.m. | Jill McCoy | April 25 | WW, 225
Real Estate Investing for Income
True financial wealth is about having the unearned income to finance your life goals
without having to work. Private market commercial real estate returned an average
of 8.4% over the 10-year period from 2000 to 2010. The key is to understand what you
are buying by having a solid knowledge and a good plan. Come find out how to plan
your investment strategies to lead to true financial wealth.
REAL:712 | 1 session | $15.50 Age 60+ | $29 Regular
P01 | Th 7-9 p.m. | Jill McCoy | March 14 | MC-SO, 108
Home Selling: Your Guide to a Successful Sale
If you've never sold a home before (or even if you have, but it's been a while), it's
important to know your marketing options. You need to know what to expect from the
home selling process, how to add impact and value to your home that will get you top
dollar (staging without breaking the budget), how to use knowledge of the competition
in your area to determine a realistic selling price, the pros and cons of "for sale
by owner," and how to find the right agent to sell your house. Come spend a short
evening learning the inside track that will get you the best deal for your home.
REAL:702 | 1 session | $11.50 Age 60+ | $19 Regular
P01 | Th 7-9 p.m. | Jill McCoy | March 28 | MC-SO, 108
Preparing Your Estate Plan
Designed for anyone who would like to better understand the basics of estate planning.
Learn what to consider when creating a will, the benefits of trusts in estate planning,
how to help reduce taxes on estates and how insurance can help protect your family.
In addition, learn the importance of beneficiary designations, TODs, PODs, powers
of attorney and health care directives. You don't have to be wealthy to make a plan
for your heirs! Taught by both a financial advisor and an estate attorney.
FINC:710 | 1 session | $35 Age 60+ | $35 Regular
P03 | Tu 6:30-9 p.m. | Margie Bittner | Feb. 12 | Kathy Gmelich | MC-SO, 108
Estate Planning: Living Trusts
Everyone wants to do estate planning for control of their assets and for a legacy
to loved ones. Course covers various ways to estate plan, avoid probate, avoid guardianships
and reduce or eliminate estate taxes. Find out why a living trust may be the best
solution. Taught by an attorney.
FINC:705 | 1 session | $30 Age 60+ | $35 Regular
P02 | Tu 7-9 p.m. | Jacquelynn Capriano | Feb. 26 | STLCC-South County, 102
General Estate Planning: Wills, Trusts and Avoiding Probate
Learn about your planning options, both for property distribution upon death as well
as decision-making authority while alive. Class discussion will focus on wills, the
probate process and avoiding probate with revocable trusts and beneficiary designations.
Powers of attorney for financial and health care purposes will also be discussed.
Taught by an attorney.
FINC:710 | 1 session | $30 Age 60+ | $35 Regular
P04 | Tu 6-8 p.m. | Yvonne Homeyer | March 5 | Clayton HS, 124
• NOTE: Course date has changed.
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