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Noncredit Continuing Education Fall 2014 & Winter 2015 Courses

NOTE: Room numbers are posted in each building lobby on the day of class.   

Retirement Planning for Today
Are you overwhelmed by the myriad of financial decisions you must make in order to ensure that you can retire? There are so many products and ‘sales pitches.’ Today, “retirement” means something completely different than it did even 30 years ago. This course is designed to integrate planning for life–through all of its phases–with an understanding of the many tools: qualified plans and IRAs, investments, insurances, tax laws, estate documents and planning that can help you effectively achieve YOUR objectives. Whether you are just beginning to develop a plan or are rapidly approaching retirement, this course will focus on mastering the critical ability to properly allocate your financial resources; understand the phenomenon of global markets; fully comprehend and put into action the right investment and tax-efficient strategies; and become a more disciplined investor. After all, your whole financial well-being depends on these things. This course includes a textbook. Couples may attend together for a single registration fee. Class sizes are limited, so register today. Instructor J’Neanne Theus. $79 (includes $65 in fees*)
Tue 6:30pm-8:30pm, Feb 24-Mar 10
   XE-151 6543 #9755 Centennial High School
Thu 6:30pm-8:30pm, Mar 5-Mar 19
  XE-151 6544 #9757 Centennial High School

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Rejuvenate Your Retirement: A Class for Retirees 
This course includes a 143-page illustrated workbook. Couples may attend together for a single registration fee. Class size is limited, so register today! This unique and comprehensive course focuses on the issues and financial concepts that are important to retirees. In straightforward language, this class explains financial strategies designed to accomplish objectives such as tax-efficient income planning, lifestyle preservation, inflation protection and providing a legacy. However, money is only one aspect of post-retirement planning. We introduce fun and fulfilling activities such as travel, hobbies, sports, crafts, socializing, business ventures and lifelong learning to help you make the most of your retirement years. Instructor: Chris Gordon. $49** (fee based, no waivers)
Tue 10am-12pm, Feb 3-Feb 10
  XE-144 6551 #9751 Gateway Campus
Thu 1pm-3pm, Feb 12-Feb 19
  XE-144 6622 #9752 Gateway Campus

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Optimize Social Security Income: A Winning Retirement Strategy
Choosing the best time to begin claiming Social Security is arguably one of the most important decisions a retiree will make. The techniques used to maximize this income are little known and can be complex. This course, offered by Lorie A. Scheibel of AXA Advisors, LLC (member FINRA, SIPC) in Columbia, will provide an overview of the Social Security program as it applies to retirement planning. It will cover the basic strategies that are available to maximize benefits for singles, divorced persons and spouses as well as widow and widower benefits. This information will be useful for retirement income planning purposes for those near or in retirement. $35** (fee based, no waivers)
Sat 9:30am-11:30am, Jan 17
   XE-249 6529 #0467 Hickory Ridge

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Retirement Income and Income Tax Planning 
Everyone wants to save enough for their retirement. However, planning for the income phase of your retirement requires that you explore several aspects and different approaches in order to survive well in retirement. Income planning for retirement is a “whole different ballgame” today. Topics covered in this class include: risks and strategies to consider during accumulation vs. distribution; structuring investment income to reduce taxes; maximizing retirement income by understanding social security key issues; determining whether social security will be enough and will you get the most of it; recognizing unnecessary tax payments on social security benefits; being mindful of taxes when diversifying assets; covering inflation in your income; understanding and agreeing with your financial plan. Join instructor Andrew Paladino, CPA and financial advisor, to obtain this information. $49** (includes $40 in fees*)
Wed 7pm-9pm, Feb 4
   XE-191 6557 #9766 Centennial High School

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Accumulating Wealth Through Tax Efficient Investing ★NEW!★
This class will help you better understand how to invest in stocks, bonds, and other investments in a tax efficient manner. Topics covered include identifying and purchasing investments to maximize tax benefits, deferring taxes on investments, using research to better understand your investments, and comparing individual securities such as stocks and bonds to mutual fund investing. Instructor: Roger Desai, president of RSD Financial. $49** (includes $40 in fees*)
Sat 9am-12pm, Mar 7
   XE-246 6530 #0472 Hickory Ridge

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Upgrading: Successful No-Load Mutual Fund Investing ★NEW!★
Build your personal fortune for retirement through the proven strategies of no-load mutual fund upgrading. This course will explain advantages of investing in no-load funds, describe risk and proven ways to mitigate risk by growing rich slowly over time through diversification. Upgrading is a method of momentum style investing that helps the “diy” investor. As more individuals are required to manage their own 401K plans, this course will help you understand the very best means of securing a wealth retirement. In addition to being a full-time school psychologist, instructor David Holdefer has been a successful independent investor for over 25 years. $89** (includes $40 in fees*)
Mon 7pm-9pm, Feb 23-Mar 9
   XE-192 6615 #9767 Gateway Campus

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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. $89 (includes $40 in fees*)
Tue 7pm-9:30pm, Mar 10-Mar 17
   XB-408 6598 #9740 Gateway Campus

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Little-Known Secrets of Paying for College
Learn how to send your child to the college of his/her dreams without bankrupting your retirement. Debunk myths such as in-state schools being more affordable than private schools. Learn how college financial aid (including FAFSA and CSS Profile) is calculated. Learn strategies for repositioning your assets to minimize the amount the government determines you can afford to pay. Find out how to use the IRS to fund college through “tax scholarship.” Gain the tools and knowledge to meet your goals. $59** (includes $40 in fees*)

Thu 6:30pm-9pm, Nov 20
   XE-354 J1414 #8843 Laurel College Center

Tue 6:30pm-9pm, Feb 24
   XE-354 J1470 #0468 Laurel College Center
Tue 6:30pm-9pm, Mar 10
   XE-354 6600 #9785 Gateway Campus

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Imagine: Your Life Without Limits
Is the idea of retirement weighing heavily on your mind? Are you concerned about the transition from a structured work life and the cost of retirement? Imagine “your life without limits.” Visualize and document your core values, hopes and dreams to prepare for what lies ahead. Communicate expectations for the future with your partner. Make plans for a rewarding and fulfilling retirement by learning to address your physical, mental, spiritual and financial well-being. This workshop is designed to incorporate your dreams and goals for the future with a new or existing financial plan. Ensure that your future dreams are within reach. This course is FREE, but you must register. 
Sat 10am-12:30pm, Feb 21
   XE-599 6552 #9801 Hickory Ridge

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The Family Love Letter: Estate Planning With a Heart ★NEW!★
The incapacity or death of a family member is always a traumatic event. An important goal of estate planning should be to provide a “legacy for the living.” This practical, sensitive workshop helps you face the difficult process of centralizing financial, legal and personal information so family and friends can take care of you and know how you would like issues handled. Some forethought and planning can often avoid confusion, emotional turmoil and even family conflict during difficult times. No legal or tax advice will be offered or available at the workshop, but attendees will receive the Family Love Letter booklet that helps organize the details of your will, social security number, passwords to your computer/online accounts and other practical details. Lorie A. Scheibel of AXA Advisors, LLC (member FINRA, SIPC) in Columbia will cover estate planning documents, importance of Powers of Attorney - medical and general- and the contents and use of the Family Love Letter. $39**
►Sat 9:30am-11:30am, Feb 7
   XE-247 6526 #0466 Hickory Ridge

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

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