Personal Finance

Spring 2008

LEGACY
Legacy Building: Boom or Bust
— David Sutton, Esq.
Research surrounding the topics of wealth, legacy, family values and inheritance confirm that people value the intangible assets in life such as character, virtue, faith, morals, wisdom, and life’s lessons. Life experiences are the true treasures that form the fabric of a legacy. Discover how to leave a real legacy for your family or how to capture a legacy of a family member. Discussion and exercises explore such questions as: the story of a life well lived; words of love and protection, priceless conversations; priceless objects, and important stories. Obtain the tools you need to create a true legacy, beyond the financial.
David N. Sutton owns a law firm and has established “The Center for Lifelong Planning Concepts” to help families design and implement legacy plans that pass on not only in inheritance to loved ones, but also the values and stories that explain the meaning of that inheritance. David co-authored the estate planning primer: Love, Money, Control.

• PERS 1009S01 — Mon, 6:30-8 p.m., 4wks, Apr 21 – May 12
  ACC North Bldg 1100 — $59, $20 material/CD fee to instructor

BUDGETING/ELIMINATE DEBT
Money Management Made Easy: Take Charge Now!
— Sandi Schoob
Gain control of your personal finances by mastering easy budgeting techniques, setting financial goals, understanding credit and establishing a money management plan. Taught with an easy to understand workbook that you keep, to get you on your way to financial stability. Bring your most recent pay stub, bank statements, credit card bills and loan information. Discover how to calculate your personal net worth using a balance sheet and identify income and expenses. Leave class with a budget and healthier, happier financial outlook.
Sandi Schoob owns her own financial management business and has worked extensively with individuals and small business owners helping them become financially secure.

• PERS 1046S01 — Tue, 6:30-9 p.m., May 6 (1 session)
  ACC North Bldg 1070 — $44, $10 material fee to instructor

Living Debt-Free
— Sandi Schoob
Where does the money go every month? Why are your debts growing and your savings disappearing? Explore the personal choices that affect your financial health and discover the financial tools you can use to control where your money goes each month. Discuss your credit score and understand your credit report. Discover the 4 options for managing your debt and how to protect yourself from creditors.

• PERS 1047S01 — Thu, 6:30-9 p.m., May 29 (1 session)
  ACC North Bldg 1090 — $44, $10 material fee to instructor

YOUNG ADULTS
Hey, Where Did My Money Go?
Can I Borrow a Few Bucks? Money Management for Young Adults and Teens (13+)
— Sandi Schoob
Now that you make your own money, what do you do with it? Discover what to look for when opening a bank account and how to manage your money once it is in a bank. Become skilled with budgeting, saving, and investing your money. Explore how to establish a credit history and what to look for when applying for credit cards and loans. Discuss different types of insurance and the impact these products have on your financial stability. Get started now on managing your money and making smart financial choices.

• PERS 1045S01 — $39/single, $10 material fee to instructor
  PERS 1045S99 — $59/couple, $10 material fee to instructor
  Sat, 9-11:30 a.m., May 3 (1 session)
  ACC TBA

WILLS AND TRUSTS
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.

• PERS 1033S01 — $44/single, $2 material fee to instructor
  PERS 1033S99 — $69/couple, $2 material fee to instructor
  Wed, 6-8 p.m., Apr 30 (1 session)
  ACC North Bldg 1090

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. Learn to avoid costly mistakes and get the most money possible. Topics include; 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. Learn about 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.
John Mumford, CFP, CPA is one of Colorado’s leading college funding experts.

• PERS 1001S01 — $44/single, $10 optional book fee to instructor
• PERS 1001S97 — $69/couple, $10 optional book fee to instructor
  Mon, 6:30-9 p.m., Apr 14 (1 session)
  ACC TBA
• PERS 1001S02 — $44/single, $10 optional book fee to instructor
• PERS 1001S98 — $69/couple, $10 optional book fee to instructor
  Thu, 6:30-9 p.m., June 5 (1 session)
  ACC TBA

Divorce and Your Home
—Joan Rogliano
With over a million divorces annually and over 70% of them involving a home, the question becomes if it is necessary to sell. Explore your choices to make the best decision for your family. Discuss credit, financing, staying in your home and other topics. Do what is best for you and your children.
ß is a certified Real Estate Divorce Specialist with over 25 years experience assisting homeowners with making the right choices.

• PERS 1012M01 —Thu, 6:30-8:30 p.m., June 19 (1 session)
  ACC TBA —$39, $12 material fee to instructor

INVESTMENT TIMING
Timing the Stock Market: What the Money-Men,
Advisors and Brokers Don’t Want You to Know
— Dean Adams
“ Timing” means entering or exiting the market at the proper moment to protect your assets and optimize your return-whether the market is moving up or down. Various investment instruments and techniques are discussed including the advantages and disadvantages of mutual funds and 401(k) plans, market indexes and individual stocks. In order to make money in the long run, you need to protect and manage it in the short run; therefore, it isn’t simply about what you invest in, but how you invest. Designed for those with some stock market investment experience.
Dean Adam is a long time, individual investor/trader, an experienced teacher, and co-owner of an educational firm, which teaches companies and 401(k) plan participants how to achieve retirement goals. He is NOT an investment banker, stockbroker or paid advisor.

• PERS 1114S01 — Wed, 6-8:30 p.m., 4 wks, Apr 9 – Apr 30
  ACC TBA — $59, $8 optional workbook fee to instructor

HOME BUYING
First Time Home Buying and Financing A-Z!
— Jerry Black
Say goodbye to your landlord and hello to tax savings! Discover how to buy and finance a home with up to 100% financing. Learn to get pre-approved and where to get a loan. What is FICO score? Receive a home buying text, sample properties in your area of interest and a FREE credit report with your FICO scores. Class includes an optional one-hour personal consultation and free pre-qualification from a lender.

• PERS 1007S01 — Thu, 6:15-9:30 p.m., May 8 (1 session)
  ACC TBA — $44, $20 material fee to instructor

INVESTMENT PROPERTY
How to Buy Residential Income Property
— Jim Flint
Choose the best location and the best loan. Do 100% loans work? Increase your income with rental properties. Create wealth for retirement. Which is best, residential or commercial? Get 15% or more on your money. Buy HUD’s and foreclosures, 1031 exchanges and reverse exchanges. Reduce your income taxes. Get cash flow day 1. Learn the analytical approach to investing. Be your own boss. Invest in Colorado and other states.
Jim Flint, CRS is a Real Estate Broker/Investor and Mortgage Broker in Colorado, Florida, and Alabama with over 30 years experience as an investor.

• PERS 1004S01 — $44/single, $20 material fee to instructor
• PERS 1004S99 — $75/couple, $20 material fee to instructor
  Tue, 6:15-9:30 p.m., Apr 29 (1 session)
  ACC TBA

Managing Your Rentals: How to Avoid Trouble and Vacancies
— Bill Cooper
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. Why a good lease is your best friend and how to keep your property rented when others have vacancies, plus a review of the Fair Housing Laws. Find out how inexpensive professional property management can be and how it will eliminate landlord headaches.
Bill Cooper is the President of Metro Denver Management Inc., and Real Estate Broker with over 20 years of property management experience.

• PERS 1005S01 — Thu, 6:15-9:30 p.m., May 1 (1 session)
  ACC TBA — $44, $20 material fee to instructor

Real Estate Investing: The Next Step
— Jim Flint
Discover how to plan for retirement with real estate, how to determine the income you will need, and how to create wealth. What are the advantages and disadvantages of trades vs. refinance? Explore commercial real estate, multi-family, office buildings, retail, and triple net leases. Trade your rental for 10% cash flow day 1 with no management! A two hour personalized meeting is included. Designed for the experienced investor.

• PERS 1020S01 — Tue, 6:15-9:30 p.m., May 6 (1 session)
  ACC TBA — $44, $20 material fee to instructor

• W03 — March 19, 2008, Wed and Fri, 6 wks
• S01 — April 16, 2008, Wed and Fri, 6 wks
• S02 — May 21, 2008, Wed and Fri, 6 wks

• ONLI 1148 — Where Does All My Money Go? — $99
• ONLI 1149 — Personal Finance — $99
• ONLI 1152 — Introduction to Stock Options — $99
• ONLI 1245 — Debt Elimination Techniques That Work — $99