 BUDGETING
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. Receive a workbook you can
refer to while moving toward 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. 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.
- Thu, Oct 1-8, 6:30-9 p.m., 2 wks — ACC Campus
PERS 1046F01-66238 — $69, $10 material fee to instructor
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.
Greg R. Thiel, MA
and Certified Family Life Educator, is happily married and the
proud father of two teens. He is a relationship
coach and author of Preventative Maintenance for Your Marriage.
He is a trained Level III PREP, Active Relationships, and Couples
Communication II facilitator working with individuals and couples
in his private practice, life enhancing workshops, and teleclasses.
He has recently been featured on KOSI radio, the CW 2 TV News,
and The Boulder Weekly.
- Mon, Oct 5-12, 6:30-8:30 p.m., 2wks — ACC Campus
PERS 1028F01-66222 — $49/individuals
PERS 1028F99-66223 — $89/couples
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.
- Wed, Oct 21, 6-8:30 p.m. — ACC Campus
PERS 1045F01-66240 — $44/individuals, $10 material fee to instructor
PERS 1045F99-66241 — $69/couples, $10 material fee to 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.
- Thu, Sept 24, 6-8:30 p.m. — ACC Campus
PERS 1001F01-66115 — $44/individuals*
PERS 1001F98-66116 — $69/couples*
- Tue, Oct 6, 6-8:30
p.m. — ACC Campus
PERS 1001F02-66117 — $44/individuals*
PERS 1001F99-66118 — $69/couples*
ELIMINATE
DEBT
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.
- Thu, Nov 5, 6:30-9 p.m. — ACC Campus
PERS 1047F01-66239 — $49, $10 material fee to instructor
INVESTMENT HELP
Stop Losing Money in the Stock Market!:
Survive the Decline!
— Dean Adams
Wall Street’s advice causes you to lose money. When the market
goes down, you lose value and time. Look at your statements for
the past ten years. Aside from your contributions, your portfolio
has made virtually no money. You are not keeping up with inflation,
so you are falling behind. Stop taking Wall Street’s advice
and start learning how to achieve your investment goals. This class
is not about investment theories; it’s about proven, actionable
and repeatable strategies. Learn to protect your money; what investments
are the best; the best strategy for the average investor; how the
pros invest; how to read a chart; how your mutual fund fees are
reducing your returns and much more.
Dean Adams is a long time, individual investor/trader. He is
NOT connected to the investment community in any way, but knows
how
to make money.
- Tue, Sept 15-Oct 6, 6-8:30 p.m., 4 wks — ACC Campus
PERS 1114F01-66107 — $69, $8 optional workbook fee to instructor
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, Sept 22-29, 6:30-9 p.m., 2 wks — ACC Campus
PERS 1034F01-66369 — $49, $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, Oct 1-8, 6:30-9:30 p.m. 2 wks — ACC Campus
PERS 1032F01-66099 — $59/individuals*
PERS 1032F98-66102 — $59/couples*
- Tue, Oct 6-13,
6:30-9:30 p.m., 2 wks — ACC Campus
PERS 1032F02-66104 — $59/individuals*
PERS 1032F99-66105 — $59/couples*
- Wed, Oct 7-14,
6:30-9:30 p.m., 2 wks — ACC Campus
PERS 1032F03-66476 — $59/individuals*
PERS 1032F97-66477 — $59/couples*
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. - Wed,
Sept 23, 6-8 p.m. — ACC Campus
PERS 1033F01-66112 — $49/individuals, $2 material fee to instructor
PERS 1033F99-66113 — $69/couples, $2 material fee to instructor 
INVESTMENT PROPERTY
How to Buy Residential Income Property:
Take Advantage of This Buyer’s Market
— Jim Flint
Discover how to buy the best foreclosures and choose the best
locations and loans. Increase your income and wealth with rental
properties. Which is best for you, commercial or residential?
Get 15% or more on your money, discuss 1031 exchanges and reverse
exchanges and how to reduce your income taxes. Get cash flow
starting day one. Discover an analytical approach to investing.
Be your own boss and never get fired! Compare Denver’s
market to three other hot markets. Learn to invest in cash flow
mini-storages. An individual meeting with the instructor is included.
Jim Flint, CRS has 30 years experience with real estate in
five states.
- Tue, Sept 1, 6:15-9:30 p.m. — ACC Campus
PERS 1004F01-66120 — $44/individuals, $20 material fee to
instructor
PERS 1004F98-66121 — $75/couples, $20 material fee to instructor
- Tue, Nov 17, 6:15-9:30
p.m. — ACC Campus
PERS 1004F02-66242 — $44/individuals, $20 material fee
to instructor
PERS 1004F99-66243 — $75/couples, $20 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.
Bill Cooper is
the President of Metro Denver Management Inc., and Real Estate
Broker with over 25 years of property management
experience.
- Thu, Sept 3, 6:15-9:30 p.m. — ACC Campus
PERS 1005F01-66123 — $44, $20 material fee to instructor
- Thu, Nov 19, 6:15-9:30
p.m. — ACC Campus
PERS 1005F02-66124 — $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, Sept 8, 6:15-9:30 p.m. — ACC Campus
PERS 1020F01-66126 — $44, $20 material fee to instructor
- Tue, Nov 24, 6:15-9:30
p.m. — ACC Campus
PERS 1020F02-66127 — $44, $20 material fee to instructor
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