FINANCIAL PLANNING
ESTATE PLANNING Fee:
$20
Estate planning is a subject no one likes to think about, but one that requires
thoughtful consideration. If you fail to plan for the settlement of your
estate, the state subjects your assets to probate, a potentially time-consuming,
expensive, and public procedure that could make an already difficult time
impossible for your heirs. Fortunately, good estate planning can help out
during your lifetime and help your family later. Join us! Topics will include
wills, gifts, and joint ownership.
Instructor: Lyndon Ramey
| Th |
1:30-4:30 pm |
Sep 18 |
3 hrs |
91674 |
FTCC/CEC 147 |
INVESTING IN REAL
ESTATE Fee: $35
As property values grow, buying real estate as an investment becomes more
inviting. In most instances, you don't have to have a large down payment.
Your instructor will help you determine how much you can afford to pay for
property, tell you where to find property you can purchase with little cash
down, give you tips on how to increase the value of property you currently
own, and more. He will also help you to recognize properties or "deals" to
avoid. This is a self-supporting course; fee-exempt status does not
apply.
Instructor: Joe Pomales
| T |
6:30-9:30 pm |
Sep 09-Sep 30 |
12 hrs |
91678 |
Douglas Byrd High |
MANAGING YOUR INCOME IN
RETIREMENT Fee: $20
You have saved all of your life to enjoy your retirement. Now what do
you do? Explore your options in this intensive one-day seminar about CDs,
bonds, stocks, mutual funds, and annuities. What are they and what are your
risks? Learn how to design an investment strategy for your individual
situation.
Instructor: Art Hooker
| Th |
6:00-9:00 pm |
Sep 25 |
3 hrs |
91680 |
FTCC/CEC 233 |
MANDATORY RETIREMENT DISTRIBUTIONS AT AGE 70
1/2 Fee: $20
It would be nice if you could let your retirement money continue to grow
tax deferred indefinitely. However, the IRS has a limit on this benefit.
In fact, at age 70½, you must begin taking annual withdrawals from your
retirement accounts and pay taxes on the money withdrawn. If you don't you
could incur a 50% penalty. Fortunately, you have some options when calculating
your mandatory withdrawal amounts. Deciding which calculation to use is important
because the choices you make now can affect how quickly your beneficiary
(ies) will be required to take withdrawals and pay income taxes. This class
can help you make the most of your mandatory retirement plan distributions.
Instructor: Lyndon Ramey
| Th |
1:30-4:30 pm |
Nov 06 |
3 hrs |
91677 |
FTCC/CEC 147 |
PLANNING YOUR FINANCIAL FUTURE WITH ANNUITIES
Fee: $20
It's important for you to maintain your standard of living throughout
your retirement years and make sure you won't outlive your nest egg. You
can plan your financial future with annuities. Come and learn the difference
between an immediate annuity, a fixed annuity, and a variable annuity. Your
instructor will show you how you can participate in a rising market and provide
the downside protection in a declining market. You will learn strategies
that can help you protect your income, preserve your wealth, transfer your
wealth to the next generation without the cost of probate, and provide you
with an income stream throughout your retirement years.
Instructor: Lyndon Ramey
| Th |
1:30-4:30 pm |
Oct 02 |
3 hrs |
91675 |
FTCC/CEC 147 |
SAVING FOR COLLEGE/THE 529
PLAN Fee: $20
Whether you are a grandparent or a parent you want the best for the child
in your life. Let's face it, a child can only house so many stuffed toys
and the cost of future education will probably never decrease and will most
assuredly increase. Why not invest those "stuffed toy" funds where they will
be needed. In three hours learn how you can save money for future education
at any graduate school, vocational school, or college. Learn how it works
and why it offers the best of all possible methods for college savings.
Instructor: Lyndon Ramey
| Th |
1:30-4:30 pm |
Oct 23 |
3 hrs |
91676 |
FTCC/CEC 147 |
TRUSTS Fee: $20
The legal title to property is frequently held by one person while the
right to the use and benefit of the same property is enjoyed by another.
The relationship created is generally described as a "trust". Trusts are
widely employed in wills as a means of conserving property for the benefit
of widows and children. They are also a frequently used method to avoid taxes
by taking advantage of lower Federal tax rates upon gifts during lifetime
than upon transfers at death. Your instructor will discuss the benefits and
drawbacks of living trusts, revocable and irrevocable trusts, and insurance
trusts.
Instructor: Art Hooker
| Th |
6:00-9:00 pm |
Sep 18 |
3 hrs |
91679 |
FTCC/CEC 233 |
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