Finance and Investments

Personal Enrichment

Offered through Continuing Education

@ Forest Park | Meramec | Wildwood | South County Education Center | Off-Site

Increase your knowledge of finance and investing with classes that explore stocks and bonds, identity theft and keeping track of your money.

Program Coordinator

Continuing Education

Phone

314-984-7777

Register and pay online now

Call 314-984-7777 to register for spring classes by phone, or click the button above to register and pay online.

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:

Real Estate

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

Estate Planning

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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