3001 OUT OF HOCK & OUT OF DEBT

Out of Hock & Out of Debt provides information to help you handle it when there is too much month and not enough paycheck. Topics will include coping with the stress of debt, specific ways to trim your spending, how to get bills reduced, and how to build wealth once you dig yourself out.
0.6 CEU/7.2 CPE 3 Two hour sessions $54 Senior Price $45
3001-01 FC TU 6:00 PM - 8:00 PM 3/24 - 4/7 JONES
3001-02 ALC-EVE M 6:00 PM - 8:00 PM 4/20 - 5/4 JONES

3002 WHAT YOU DON'T KNOW ABOUT LIFE INSURANCE CAN COST YOU

Most of us buy life insurance out of fear, seldom understanding what we are paying for and just hoping for the best. Wouldn't it be nice to "know" if your hard-earned money is well spent? Join this great course to get the real scoop. Mr. Friedland is famous in the insurance industry, and we are fortunate that he is willing to share his expertise.
0.2 CEU/1.8 CPE 1 One and one-half hour session $23
3002-01 ALC-EVE TH 7:00 PM - 8:30 PM 3/19 FRIEDLAND

3003 KEEP YOUR MONEY - BUDGET BASICS

Do you REALLY have a livable budget to fit your personal lifestyle or do you even have a budget? No, paying bills and hoping there is money left over is not a budget. Join this great course to become more fiscally fit and take a giant step in developing a sound budget, or confirming that you have the most effective budget. Learn how to assess your current financial situation, identify and prioritize your spending, and how to cut expenses. Discover that money is a resource and how to make money work for you. Don't forget that reviewing the basics often leads to new insights and understandings that were missed. Join this course to make sure that you are keeping as much money as is legal and that you are working your money as hard as possible.
0.8 CEU/9 CPE 3 Two and one-half hour sessions $62 Senior Price $50
3003-01 ALC-EVE TU 6:30 PM - 9:00 PM 3/3 - 3/17 STEWART
3003-02 ALC-EVE TU 6:30 PM - 9:00 PM 4/21 - 5/5 STEWART

3005 WHAT ALL RETIREES SHOULD KNOW ABOUT THEIR FINANCES

Getting started with investing can be difficult if you don't have help. This easy-to-understand program can help you make sense of investing. You will learn the basics of saving, along with time-proven strategies for helping you reach your goals.
0.4 CEU/4.8 CPE 2 Two hour sessions $38
3005-01 LHS W 7:00 PM - 9:00 PM 2/11 - 2/18 ELY

3007 YOUR MORTGAGE - YOUR BIGGEST INVESTMENT

Save a fortune by knowing mortgage basics. The housing market has never been more challenging. Arm yourself with the knowledge of mortgage products and the mortgage process, so that you can make an informed decision on financing a home. Interest-only loans, adjustable-rate mortgages, and fixed-rate mortgages are just some of the topics that will be covered. No matter if you are a first-time homebuyer, current homeowner, or are looking to purchase investment property, this class will encompass everything you need to know. Take the time to educate yourself about one of the biggest investments in your lifetime.
0.3 CEU/3.6 CPE 1 Three hour session $27
3007-01 ALC-EVE TU 6:30 PM - 9:30 PM 2/17 SCOTT
3007-02 ALC-EVE M 6:30 PM - 9:30 PM 5/18 SCOTT

3009 INVESTMENT TOOL BAG - BASIC TERMINOLOGY AND STRATEGIES

Finally, a course that will help you to sleep at night because you will understand the basic terminology and concepts related to your investments. You are not alone if you have Bonds, CDs, or Equities, etc. and are too embarrassed to admit that you still don't understand what goes on with them. Understanding the basic terminology is vital to making informed decisions. Explore investments from CDs to managed money. Learn what risk/reward ratio you can live with and know the options inside and out from an instructor who has 40 years of industry experience.
0.8 CEU/9.6 CPE 4 Two hour sessions $65 Senior Price $52
3009-01 ALC-EVE TH 7:00 PM - 9:00 PM 2/19 - 3/12 SLAUGHTER
3009-02 ALC-EVE W 7:00 PM - 9:00 PM 4/22 - 5/13 SLAUGHTER

3010 ABC'S OF INVESTING

Break down the myths of investing including CDs, municipal government and corporate bonds, mutual funds, stocks, and retirement planning tools. Learn to assess your current financial situation, set financial goals, and develop an investment plan to meet your goals.
0.6 CEU/7.2 CPE 2 Three hour sessions $54
3010-01 LHS W 6:30 PM - 9:30 PM 4/1 - 4/8 ELY

3011 MUTUAL FUND FUN

Learn how to construct conservative mutual fund portfolios by using financial planning basics. You will work with actual fund prospectuses and annual reports to learn basic fund terminology and fund portfolio construction techniques. Other topics to be covered are market timing and fund investing, structuring your personal finances to increase the odds of investing success, and understanding the cost structure of fund investing using funds in your 401K and 403B programs. The instructor has over forty years of personal fund investing experience and twenty-four years of professional fund investing experience as a Certified Financial Planner and Registered Investment Advisor Representative.
0.8 CEU/9.6 CPE 4 Two hour sessions $46
3011-01 ATC TU & TH 7:00 PM - 9:00 PM 2/10 - 2/19 PAPA
3011-02 ATC TU & TH 7:00 PM - 9:00 PM 3/31 - 4/9 PAPA
3011-03 ALC-EVE M & W 7:00 PM - 9:00 PM 5/4 - 5/13 PAPA

3012 ADVANCED EQUITIES WORKSHOP

Do you wish you knew more about picking stocks? This advanced workshop will discuss topics such as what drives stock prices, how to research stocks, and how to manage risk and performance in equities. This workshop is good for the novice investor or as a great follow-up to other basic investing classes.
0.4 CEU/4.8 CPE 2 Two hour sessions $34
3012-01 ALC-EVE TU & TH 7:00 PM - 9:00 PM 5/26 - 5/28 COLE

3015 IMPORTANCE OF ESTATE PLANNING

Estate planning is the process of providing the orderly and tax-effective transfer of assets. Learn the first steps you should take in preparing this plan; which things to consider such as living wills and trusts, the tax implications of your estate, and where to get professional help.
0.4 CEU/4.8 CPE 2 Two hour sessions $34
3015-01 LHS W 7:00 PM - 9:00 PM 3/4 - 3/11 COLE

3018 YOUR FINANCIAL HOME

Financial planning has never been about accumulating the most assets. It's all about having options and benefits for you and your family, as related to income, taxes, inflation, safety, liquidity, growth and distribution. When building a strong financial home, it is important to start with a solid foundation, and then build level by level. Proper planning helps one towards a secure future. This seminar will review the importance of protection, savings and growth components, and how each one relates to overall stability.
0.1 CEU/1.2 CPE 1 One hour session $10
3018-01 LHS W 7:00 PM - 8:00 PM 3/25 ZALUD
3018-02 ALC-DAY F 9:00 AM - 10:00 AM 5/1 ZALUD

3019 LONG TERM CARE - THE NEW PART OF A MODERN PORTFOLIO

Do you have a plan for long-term care? Do you realize that it is an important part of financial planning? Learn about the new Long-Term Care Partnership program in Virginia. Do you know your options?
0.2 CEU/1.8 CPE 1 One and one-half hour session $27
3019-01 ALC-EVE M 6:30 PM - 8:00 PM 5/4 LERMAN

3020 MAKING SENSE OF RETIREMENT

If you don't prepare for the future, no one else will. You will learn different strategies to save and invest for retirement and how best to work toward your goals.
0.2 CEU/1.8 CPE 1 One and one-half hour session $27
3020-01 ATC TU 7:00 PM - 8:30 PM 3/17 SMITH

3021 WOMEN, RETIREMENT AND WEALTH PRESERVATION

Sometimes we do not realize all that may determine our retirement income. Learn how to estimate what may be your retirement income and its future growth. We will also discuss the question, "Will I outlive my retirement nest egg?" It's all part of a modern day financial theory.
0.3 CEU/3.6 CPE 2 One and one-half hour sessions $44
3021-01 FC TU 6:30 PM - 8:00 PM 2/3 - 2/10 LERMAN
3021-02 ALC-DAY F 8:30 AM - 10:00 AM 5/15 - 5/22 LERMAN

3025 SPECIAL CARE PLANNING

Do you have a family member with special needs or do you anticipate one special care? Join us to learn the 10 basic steps to Special Needs Estate Planning, including addressing primary issues, guardianships, trust planning, and much more. Learn where to start, the steps, what to consider, and some possible options.
0.2 CEU/2.4 CPE 1 Two hour session $27
3025-01 ALC-DAY F 9:00 AM - 11:00 AM 3/13 SURBAUGH
3025-02 ALC-EVE TU 7:00 PM - 9:00 PM 3/31 SURBAUGH