Noncredit Continuing Education Courses
Fall 2008

Surviving Volatile Financial Times *NEW!*
Increasing gas prices! A roller coaster stock market! A housing market decline! These are stressful times for many Americans who are working hard to keep on track financially. If you are one of them and need some options to help you out, join instructor Harry Slade to discuss the possibilities. $39**

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Sustainable and Thrifty Living - Living Green and Saving Green *NEW!*
Have you even considered how much the little things can DRAIN YOUR BUDGET? The New York Times says the average American who drinks bottled water spends $1,500 per year on it, a commodity that costs 49 CENTS a year if you drink the (governmentally regulated and tested) water from the tap! A big savings! Multiply this concept of saving throughout your household budget for hundreds of commodities, and you will know the meaning of the old English proverb:"FRUGALITY IS AN INCOME." Learn to save money through energy conservation in the home, secondhand shopping, buying on eBay and elsewhere on the Internet. Come to this class and learn how to achieve these savings everyday, in many ways. Nearly everything you do to save money helps save the environment as well. $25**

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Financial Workbook *NEW!*
This Financial Workbook class covers the reasons for financial and investment planning topics such as assessing your financial situation, defining your goals, setting realistic goals, and the 10 most common investment risks. You will receive a workbook in which you will use your personal investment strategies to determine whether or not they are realistic and obtainable goals. The workbook enables interactive participation throughout the course. An experienced investment professional helps guide you through the process. Other topics include what drives the stock market, mutual funds, retirement planning, tax advantaged investments as well as risk management, and more. No previous financial planning experience is necessary. $79

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ONLINE COURSE
Real Estate Investing
An ONLINE course for those who want to learn how to build personal wealth. In this course you will get to interact with an instructor and fellow students. You will learn techniques for locating bargain properties and motivated sellers, acquiring property with creative financing, locating sources of cash, fixing up properties, handling tenants, and selling properties. Prerequisite: Internet access and expertise assumed. Textbook required. Be sure to include your email address at time of registration. Day of the week listed is the day instructor releases new course content. (For information on text and syllabus visit http://faculty.harford.edu/faculty/WFlood.  For other information contact Pam at pkarwows@harford.edu or 410-638-2576.) (T) $129; $99 computer fee* required at registration.

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The $100,000 Real Estate Formula
Now more than ever, people are using real estate to generate high returns with low risk and low effort. You can increase your knowledge about investment real estate by attending this class. This introductory course will help you uncover and evaluate real estate opportunities in any market. You will learn how to control real estate with creative financing to earn the income you desire. This class is taught by Ian Charles Parrish, president of Investors United School of Real Estate, and recipient of the Small Business Administration's 2005 Young Entrepreneur of the Year award. $35**

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Creative Real Estate Investment Series
Series includes: XE 876 The $100,000 Real Estate Formula; XE 234 1-2-3 SOLD! How to Earn at Public Real Estate Auction, XE 260 Real Estate Investing for Business Owners. $89**

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1-2-3 SOLD! How to Earn at Public Real Estate Auction
In 2007, $58.4 billion in real estate was sold at public auction. Reportedly, real estate auctions are on the rise. Investors who understand auctions are creating millions in equity and income. Discussion topics include the benefits of investing in real estate, types of auctions, who sells at auctions, potential tricks auctioneers use to make a sale, and strategies to profit at auctions. With proper preparation, anyone who has the capacity to raise a finger, wink their eye, or nod their head can earn outstanding profit. Class taught by Ian Charles Parrish, president of Investors United School of Real Estate and recipient of the Small Business Administration's 2005 Young Entrepreneur of the Year Award. $35**

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Staging Your Home for Sale
Whether you are planning to move in the near future, or just want to prepare your home for eventual sale, this class will show you how. Learn the basics of getting your home ready for sale (staging), and getting rid of all those extra possessions that are cluttering your home. Discuss how to plan a move, and how to create the perfect space in your new home. Make your transition as smooth as possible with tips and insights that will take the stress out of selling your home and moving to a new one. $35**

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Fundamentals of Investing
This course, designed for beginning and seasoned investors, covers the details of the vast investment options available today such as stocks, mutual funds, bonds, CDs, etc. You will discuss how to achieve your financial goals, how to evaluate investments, ways to purchase investments, issues involved in investing, and other considerations. $60

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Investment Strategies: the Basics and Beyond
Are you confused about your financial future? Would education and guidance give you the peace of mind to deal comfortably and confidently with your money? Take the confusion out of investing by learning how stocks, bonds, mutual funds, annuities, options, investment strategies, and evaluation and minimization of risk would benefit you in today's economy. Instructor: Merle Ross, M.Ed., MBA, CFP, ChFC. $69

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Discussing Divorce on Second Saturday
Second Saturday provides invaluable information for every woman facing the complexities of divorce. Second Saturday addresses the legal, financial, family, and personal issues of divorce in a logical yet compassionate manner. With the guidance of trained professionals, you will receive information to help you explore your legal options, understand the financial issues, deal with your emotions, and transition to your new life. Second Saturday is an excellent supplement to professional advice. You must register prior to attending class. NO registrations accepted by instructor. Visit www.divorce-finances.com for more information. $49**

*Fees not eligible for waiver.
**Neither XE courses nor their fees are eligible for waiver.
(T) Textbook recommended or required. Purchase at HCC Bookstore before first class.
(S) Supplied needed. Instructor will provide list at first class.