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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 | $39 | Age 60+: $39
F01 | Tu 6 pm-9 pm | Margie Bittner | Sep 18-Sep 25 | 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 | $35 | Age 60+: $25
F01 | Sa 9 am-1 pm | Tiffany Smith | Sep 29 | MC - BA, 124
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 | $29 | Age 60+: $29
F01 | Th 6 pm-9 pm | Laura Boedges | Sep 20 | MC - SO, 206
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 the difference between stocks, bonds and mutual funds; tax loophole considerations;
understanding fees; common financial myths; overcoming obstacles to creating wealth;
and how exit strategies can affect your legacy.
FINC:765 | $19 | Age 60+: $19
F03 | Th 6:30 pm-8 pm | Andrew Hall | Oct 18 | MC - SO, 206
F04 | Th 6:30 pm-8 pm | Andrew Hall | Oct 25 | STLCC-SC, 103
Demystifying Annuities
Get answers to your questions and concerns about annuities. Are they appropriate for
me? How much do they cost? When should I purchase one? How can an annuity help me
in retirement? Learn the difference between income annuities and deferred annuities
with GLWBs. Compare fixed vs. variable annuities. Understand why annuities are called
"income insurance."
FINC:705 | $25 | Age 60+: $25
F02 | Th 6:30 pm-9 pm | Margie Bittner | Oct 18 | MC - SO, 109
Paying for Long Term Care: Obtaining Medicaid and Veteran's Benefits
Paying for long term care is a problem facing a lot of senior citizens. This course
will cover the benefits available through Medicaid and through the Veterans Administration
(for veterans and their spouses). Learn about eligibility requirements as well as
techniques and strategies to become eligible. Class is designed for seniors who are
facing such costs, or worrying about the future costs, as well as family members who
are providing care for their parents. Taught by an elder care and accredited VA attorney.
FINC:746 | $25 | Age 60+: $25
F02 | Th 7 pm-9 pm | Paul Gantner | Oct 11 | STLCC-SC, 104
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 | $25 | Age 60+: $25
F01 | Tu 7 pm-9 pm | Steve Glazer | Oct 9 | MC - SO, 108
We have more! Are you providing long term care as a caregiver? Be sure to check out Caregiving
at Home.
Click on the headings below to view additional courses:
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 | $29 | Age 60+: $15.50
F01 | Th 7 pm-9 pm | Jill McCoy | Oct 11 | MC - SW, 207
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. Come 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 | $19 | Age 60+: $11.50
F01 | Tu 7 pm-9 pm | Jill McCoy | Sep 11 | WW, 225
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 | $19 | Age 60+: $14
F01 | Th 7 pm-9 pm | Jill McCoy | Oct 18 | MC - SW, 207
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:710 | $35 | Age 60+: $30
F02 | Tu 7 pm-9 pm | Jacquelynn Capriano | Sep 18 | STLCC-SC, 120
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 | $35 | Age 60+: $30
F01 | M 6 pm-8 pm | Yvonne Homeyer | Oct 22 | Clayton HS, 124
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 | $35 | Age 60+: $35
F03 | Tu 6:30 pm-9 pm | Margie Bittner, Kathy Gmelich | Oct 9 | MC - SO, 107
