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PERSONAL FINANCE AND INVESTMENTS
BACK TO BLACK: ELIMINATE YOUR DEBT This workshop is designed for the middle class American who wants to lead a debt-free, stress-free lifestyle. How would you like to pay off all your consumer debt, credit cards, car payments, etc., as well as your mortgage in approximately seven to ten years? You can do this with your current income! Learn specific, powerful and proven strategies that work…every single time. Please bring a calculator and a list of your debts with balances and monthly payments (principal and interest only for your mortgage). During class you will develop your own debt elimination plan that can be implemented immediately. Please also bring $10 to class for a workbook; an optional textbook will be available for $59. CARL LANG – M.A.; Certified Financial Independence Consultant
ABC’s OF ESTATE PLANNING Learn how you can protect your family and assets when you die or become disabled by using wills, trusts, powers of attorney, and living wills. Examine how Federal estate and Pennsylvania inheritance taxes affect your estate, and review how recent tax changes may impact your estate plan. Explore estate planning techniques to reduce your tax liability and minimize probate costs. Find out how to title real estate and other assets. Bring your estate planning questions. BONNIE G. OSTROFSKY - L.L.B., Columbia Law School; Attorney; Seminar Leader 155 - $22
ASSET PROTECTION FOR LONG TERM NURSING CARE If my spouse or I have to go into a nursing home, how will I pay for it? Will our private health insurance or Medicare cover the cost? Will we lose all of our financial resources, including our home? Can we qualify for medical assistance to cover our costs? If we give our resources to our children, can we still qualify for benefits? This course will explore the answers to these questions and much more. E. GARRETT GUMMER, III – Certified Elder Law Attorney
SAVING FOR COLLEGE This workshop will acquaint parents with a variety of products on the market designed to help families to save for college. We will discuss the pros and cons of each so that participants can decide which plans are best for their individual situation. We will also have a college cost calculator to help parents understand how much they should be saving to send their children to school. ALLISON CRADIC – BA, Pennsylvania State University; Financial Advisor, Independent Financial Associates; Cheltenham High School Graduate
HOW TO BUY AND SELL A HOUSE Buying or selling a house is a sophisticated legal transaction involving, an Agreement of Sale, mortgages, property inspections, house appraisals, construction matters, title insurance, alternate financing and real estate broker contracts. All of these items will be discussed in an understandable manner. Also to be discussed are the pros and cons of “for sale by owner”, as well as the impact of sub-prime lending on the current real estate market. Ample time for questions and answers is included. Guest speakers will share their expertise. RALPH FRIEDMAN – Attorney
BECOME A PROFESSIONAL ORGANIZER If you watch Clean Sweep or Mission Organization and say, “I could do that,” this class is for you. A professional organizer can offer a variety of services – from setting up home offices, to helping people downsize from a large house, to arranging closets and cabinets, to assisting heirs in disposing of their inheritances. This course will help you learn how to get started in “Professional Organization” as a new part- or full-time career, what services to offer, what to charge and how to market your skills to others. CAROL JEAN SEELAUS – Lecturer/Consultant; Owner, Private Cleaning Service
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