COUPLES

Couples’ Finances: Yours, Mine, and Ours

Greg Thiel
Achieving financial freedom isn’t just about 401(K) plans, hiring the right financial planner, saving for your children’s education, and retiring “some day”. In a “healthy” relationship it is also about identifying your financial tendencies, setting realistic financial goals, and sharing your financial dreams with your partner without WW III erupting in your home! Identify your money personality, learn an easy budgeting system for “real couples”, and learn to talk civilly with your partner about real life spending, savings, and common financial goals that already exist. It’s time to de-stress your financial future as a united couple.

Sat, Dec 4, 1-5 p.m.     ACC Campus
PERS 1028F01-68102      $69/individuals
PERS 1028F99-68103      $99/couples

INVESTMENT HELP

InvestAcademy: Financial Self Defense in an Age of Wall Street Excess

Andre Ratkai
Fed up with feeling like you’re the “bag holder” for Wall Street’s excesses? Take back control of your personal and retirement investments.

• do a better job of managing and organizing stock, mutual fund or 401(k) investments
• discover an objective way to judge an advisor’s advice
• stop feeling at risk in the stock market

Discover how to use a 7-factor scorecard that using a few key fundamental (“what to buy”) and technical (“when to buy”) factors that are available at libraries or on-line. Skills learned are repeatable, adapt to changing conditions, and make clear which securities to avoid or sell. Course fee includes an 80 page workbook.

Andre Ratkai is a Chartered Financial Analyst (CFA), and was adjunct professor of Finance at the University of Denver from 1993 to 2008. He is president of a Denver fee-based money manager financial advisory group.

Thu, Sept 23-30, 6-9 p.m., 2 wks      ACC Campus
PERS 1048F01-68106      $99/individuals, $10 workbook fee to instructor
PERS 1048F99-68107      $119/couples, $20 workbook fee

RETIREMENT

Taking the Fear Out of Retirement: It’s All About Planning

Robert Schulz
Bob is passionate about providing people with information and resources that enable them to approach retirement with a well thought out plan and covering topics such as how to find purpose in retirement, how to practice retirement, what you need to know about Medicare and Social Security, and why living to 95 is an issue.

Robert Schulz, The Retirement Guy, retired as Senior Manager of Human Resources from a national company and began the next phase of his career pursuing what began as a personal interest and has developed into a passion while helping others make educated decisions about retirement.

Tue, Oct 19-26, 6-9 p.m., 2 wks      ACC Campus
PERS 1034F01-68108      $59, $10 material fee to instructor

Retirement Planning Today

Todd Walker/Renee McKeirnan
It takes more than money to live a “rich life.” Blend financial education with life planning to help you build wealth, align your money with your values, and achieve your retirement lifestyle goals. Learn what was not taught in school! Discover 5 strategies to manage investment risks, 11 ways you may save money on this year’s taxes, important questions to ask before buying insurance coverage, how to invest in and take money out of your company’s retirement plan, determine the savings you need to retire today or in the future. *Includes 235-page illustrated book.

Todd Walker has been on the forefront of financial education since he became a financial educator in 1995. He has a lengthy and notable list of current and previous clients predominantly in Colorado.

Renee McKeirnan specializes in Risk Management and Specialized Retirement Education and Planning. Both instructors have extensive classroom instruction experience.

Thu, Sept 9-16, 6:30-9:30 p.m., 2 wks      ACC Campus
PERS 1032F01-68087      $59/individuals*
PERS 1032F96-68088      $59/couples*

Tue, Sept 14-21, 6:30-9:30 p.m., 2 wks      ACC Campus
PERS 1032F02-68089      $59/individuals*
PERS 1032F97-68090      $59/couples*

Thu, Sept 30-Oct 7, 6:30-9:30 p.m., 2 wks      ACC Campus
PERS 1032F03-68091      $59/individuals*
PERS 1032F98-68092      $59/couples*

Tue, Oct 5-12, 6:30-9:30 p.m., 2 wks      ACC Campus
PERS 1032F04-68093      $59/individuals*
PERS 1032F99-68094      $59/couples*

WILLS AND TRUSTS

Protect Your Family: What you Need to Know about Living Wills and Trusts    

David M. Cook

• What is the difference between a Will and a Living Will?
• Does everyone need a Living Trust?
• What documents are needed to admit a relative to a nursing home?
• Will my estate pay more taxes if it goes through probate?
• What documents can I do myself?
• How much should I pay a lawyer to do the others?

Get answers to these questions and more!

David M. Cook is an attorney.

Wed, Oct 6, 6-8 p.m.      ACC Campus
PERS 1033F01-68111     $49/individuals, $2 material fee to instructor
PERS 1033F99-68112     $69/couples, $2 material fee to instructor

RENTALS

Managing Your Rentals: How to Avoid Trouble and Vacancies

Bill Cooper
Discover how to screen your prospective tenants and keep the bad ones out. Be aware of the “do’s and don’ts” when dealing with tenants. If you must evict, how do you do it? Have a pool of qualified service people who respond quickly. Review fair housing laws. Understand why a good lease is your best friend and how to keep your property rented when others have vacancies. Find out how inexpensive professional property management can be and how it will eliminate landlord headaches. Receive a copy of a lease used in over 800 housing units.

Thu, Oct 28, 6:15-9:30 p.m.      ACC Campus
PERS 1005F01-68104      $44, $20 material fee to instructor

Real Estate Investing: The Next Step  

Jim Flint
Go to the next level if you are an experienced investor! Discover ways to plan for your retirement with real estate, determine the income you will need, and how to meet those goals. What are the advantages and disadvantages of trades vs. refinance? Discuss commercial real estate, multi-family, mini-storages, office buildings, retail, and triple net leases. A personalized meeting is included.

Tue, Nov 2, 6:15-9:30 p.m.      ACC Campus
PERS 1020F01-68105      $44, $20 material fee to instructor

INVESTMENT PROPERTY

Fundamentals of Real Estate Investing: You Can Profit in this Buyer’s Market

Jim Flint
Learn how to buy homes at foreclosure auctions. Fix and flop or fix and hold? Which is best for you? Discover how to take advantage of this market. Create wealth for retirement. Determine which is best for you, residential or commercial property. Discover how to get 10% return on your money. Own real estate with your IRA. Discuss how to buy HUD’s and foreclosures, 1031 exchanges, and reverse exchanges. Get cash flow starting day one. Discover an analytical approach to investing. Be your own boss and never get fired! An individual consultation with the instructor at a later date is included.

Tue, Oct 26, 6:15-9:30 p.m.      ACC Campus
PERS 1004F01-68109     $44/individuals, $20 materia fee to instructor
PERS 1004F99-68110      $75/couples, $20 material feEto instructor

COLLEGE FUNDING

How to Find College Financial Aid

John Mumford
Find out the truth about beating the high costs of your child’s education. Discover almost unheard of strategies and tips that families are using to save thousands of dollars. Discuss how to double or triple your eligibility for financial aid: why some middle and upper-middle class parents pay close to nothing for their children’s education and how you can too; how to find scholarships, grants and low-interest loans that most other parents do not even know exist. Explore the common and costly mistakes people make when completing forms and the real reason why over 90% of parents fail to fill them out correctly and therefore receive less money. *$10 optional fee to instructor.

John Mumford, CFP, CPA is one of Colorado’s leading college funding experts.

Tue, Nov 2, 6-8:30 p.m. ACC Campus
PERS 1001F01-68113 $44/individuals*
PERS 1001F99-68114 $69/couples*

Thu, Aug 19, 6-8:30 p.m.      ACC Campus
PERS 1001M01-58085      $44/individuals*
PERS 1001M98-58086      $69/couples*