STLCC Continuing Education Online Registration 2018 Spring

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Foundations of Investing

FINC-705    Foundations of Investing--Meramec - Social Science Bldg
3/22/2018--3/29/2018        Total Seats:  20    Places Left:  12

Are you just getting started with personal investing or want to learn more so that you can better communicate with your current financial advisor? Come learn about the basics of investing including the key features of bonds, stocks and mutual funds; the investment pyramid and the importance of asset allocation; how to set SMART financial goals; risk tolerance and the portfolio objective that is right for you; and the impact of inflation and tax diversity on your long-term goals. No senior discount.

  • Meeting Dates:  3/22/2018 - 3/29/2018
  • Meeting Days:  Thursday
  • Meeting Times:  6:00:00 PM--9:00:00 PM
  • Location:  
        Meramec - Social Science Bldg
  • Instructor:   STLCC Staff
  • Fees:           39

 

Retirement Savings Challenges for Women

FINC-706    Retirement Savings Challenges for Women--Meramec - Social Science Bldg
3/28/2018--3/28/2018        Total Seats:  20    Places Left:  20

When it comes to saving and planning for retirement, women face a number of unique challenges. Living longer, career interruptions, divorce and lower savings balances all need to be considered when planning for a successful retirement. The additional impact these challenges have on individual health care, social security and pension payouts will also be discussed. We will also review investment selection to help meet personal retirement goals. No senior discount.

  • Meeting Dates:  3/28/2018 - 3/28/2018
  • Meeting Days:  Wednesday
  • Meeting Times:  7:00:00 PM--9:00:00 PM
  • Location:  
        Meramec - Social Science Bldg
  • Instructor:   
  • Fees:           25

 

Estate Planning: Living Trusts

FINC-710    Estate Planning: Living Trusts--STLCC-South County
2/20/2018--2/20/2018        Total Seats:  20    Places Left:  12

Everyone wants to do estate planning for control of their assets and for a legacy to loved ones. Course covers various ways to estate plan, avoid probate, avoid guardianships and reduce or eliminate estate taxes. Find out why a living trust may be the best solution. Taught by an attorney. Senior discount does not apply.

  • Meeting Dates:  2/20/2018 - 2/20/2018
  • Meeting Days:  Tuesday
  • Meeting Times:  7:00:00 PM--9:00:00 PM
  • Location:  
        STLCC-South County
  • Instructor:   Jacquelynn Capriano
  • Fees:           35

 

Estate Settlement: What to Do When a Loved One Passes Away

FINC-710    Estate Settlement: What to Do When a Loved One Passes Away--Meramec - Social Science Bldg
2/27/2018--2/27/2018        Total Seats:  20    Places Left:  6

When someone passes away, often the responsibilities of settling the estate are placed upon the family or trustee that is charged with wrapping up all the final affairs. Taught by an attorney, you'll learn about the legal process from what occurs in probate court to instances where the probate court may not needed in wrapping up a decedent’s estate. Program will discuss practical pre-planning tips as well as common mistakes that can cause litigation. Cost for adults 60 and over $23.

  • Meeting Dates:  2/27/2018 - 2/27/2018
  • Meeting Days:  Tuesday
  • Meeting Times:  6:00:00 PM--8:00:00 PM
  • Location:  
        Meramec - Social Science Bldg
  • Instructor:   
  • Fees:           29

 

General Estate Planning: Wills, Trusts and Avoiding Probate

FINC-710    General Estate Planning: Wills, Trusts and Avoiding Probate--Clayton High School
3/7/2018--3/7/2018        Total Seats:  20    Places Left:  14

Learn about your planning options, both for property distribution upon death as well as decision-making authority while alive. Class discussion will focus on wills, the probate process and avoiding probate with revocable trusts and beneficiary designations. Powers of attorney for financial and health care purposes will also be discussed. Taught by an attorney. Cost for adults 60 and over $29.

  • Meeting Dates:  3/7/2018 - 3/7/2018
  • Meeting Days:  Wednesday
  • Meeting Times:  6:00:00 PM--8:00:00 PM
  • Location:  
        Clayton High School
  • Instructor:   Yvonne Homeyer
  • Fees:           35

 

Preparing Your Estate Plan

FINC-710    Preparing Your Estate Plan--Meramec - Social Science Bldg
2/15/2018--2/15/2018        Total Seats:  20    Places Left:  6

Designed for anyone who would like to better understand the basics of estate planning. Learn what to consider when creating a will, the benefits of trusts in estate planning, how to help reduce taxes on estates and how insurance can help protect your family. In addition, learn the importance of beneficiary designations, TODs, PODs, powers of attorney and health care directives. You don't have to be wealthy to make a plan for your heirs! Taught by both a financial advisor and an estate attorney. Senior discount does not apply.

  • Meeting Dates:  2/15/2018 - 2/15/2018
  • Meeting Days:  Thursday
  • Meeting Times:  6:30:00 PM--9:00:00 PM
  • Location:  
        Meramec - Social Science Bldg
  • Instructor:   STLCC Staff
  • Fees:           35

 

Where Does All My Money Go? Gain Control of Your Finances

FINC-735    Where Does All My Money Go? Gain Control of Your Finances--Meramec - Social Science Bldg
3/3/2018--3/3/2018        Total Seats:  20    Places Left:  13

Are you one of 70% of Americans who worry about your finances? Are you one of 60% who don't have a budget? You don't have to be a CPA to manage your finances and build wealth within the resources that you have. Learn about budgeting, building emergency savings, paying down debt, saving for retirement and a crash course in building wealth through investments. Many of the financial questions you were afraid to ask will be answered in this course that will help you take control of your finances and help build a better future for you and your family. Bring a sack lunch and drink. Cost for adults 60 and over $23.

  • Meeting Dates:  3/3/2018 - 3/3/2018
  • Meeting Days:  Saturday
  • Meeting Times:  9:00:00 AM--1:00:00 PM
  • Location:  
        Meramec - Social Science Bldg
  • Instructor:   Tiffany Smith
  • Fees:           35

 

Designing Your Retirement Plan

FINC-736    Designing Your Retirement Plan--Meramec - Social Science Bldg
4/12/2018--4/12/2018        Total Seats:  20    Places Left:  15

Whether you are just a few years or decades from retirement, learn investment strategies to help design the retirement you want--determining your portfolio objective based on your retirement goal, time horizon, and risk tolerance. Discussion will focus on best tax-efficient ways to accumulate the investments you will need to draw on during retirement including 401K's, 403B's, Traditional IRAs, and Roth IRAs. Expected income streams in retirement such as Social Security, pensions, and annuities are crucial to your design and will be explained. Finally, you will learn how you can add flexibility to your retirement plan in case of unexpected events and still stay on track to retire as you desire! Senior discount does not apply.

  • Meeting Dates:  4/12/2018 - 4/12/2018
  • Meeting Days:  Thursday
  • Meeting Times:  6:00:00 PM--9:00:00 PM
  • Location:  
        Meramec - Social Science Bldg
  • Instructor:   CE Org Staff
  • Fees:           29

 

Managing Cash Flow in Retirement

FINC-736    Managing Cash Flow in Retirement--Meramec - Social Science Bldg
3/7/2018--3/7/2018        Total Seats:  20    Places Left:  12

Living in retirement is all about the cash flow, not the pile of cash. Class will focus on retirement income planning and threats to cash flow during your retirement years. Review will cover real life case studies including retiree health care costs and the impact of taxes and withdrawal rates on investment account longevity. Senior discount does not apply.

  • Meeting Dates:  3/7/2018 - 3/7/2018
  • Meeting Days:  Wednesday
  • Meeting Times:  7:00:00 PM--9:00:00 PM
  • Location:  
        Meramec - Social Science Bldg
  • Instructor:   
  • Fees:           25

 

Retirement University

FINC-736    Retirement University--STLCC-South County
3/20/2018--4/10/2018        Total Seats:  20    Places Left:  15

Financial planning is one of the most important aspects in helping you to prepare for the future. Learn how to take a strategic approach to the retirement process to assist you in preparation for every step of the way during the growth, income/distribution and conservation stages of life helping to avoid retirement roadblocks and mitigate risks in all aspects of your financial life. The in-class, step-by-step curriculum will help you develop a comprehensive understanding of tax planning strategies, advanced social security planning, wealth accumulation vs. (de)cummulation, the sequence of returns risk, long term care and Medicare options and will give you the tools to design your own strategy. Learn about the final stage of your financial life through discussion of wills, trusts, estate and tax efficient legacy planning. Handouts will be provided. Senior discount does not apply.

  • Meeting Dates:  3/20/2018 - 4/10/2018
  • Meeting Days:  Tuesday
  • Meeting Times:  6:00:00 PM--8:00:00 PM
  • Location:  
        STLCC-South County
  • Instructor:   STLCC Staff
  • Fees:           59

 

Strategies in Retirement

FINC-736    Strategies in Retirement --Forest Park - G Tower
4/4/2018--4/25/2018        Total Seats:  20    Places Left:  14

Whether you are looking forward to or already enjoying retirement, learn foundational and advanced approaches to understanding retirement facts and misconceptions. Discussion will include tax reduction strategies, protecting savings from healthcare costs, important legal documents and investment strategies including managing IRA's, 401K's and more. Senior discount does not apply.

  • Meeting Dates:  4/4/2018 - 4/25/2018
  • Meeting Days:  Wednesday
  • Meeting Times:  6:30:00 PM--8:30:00 PM
  • Location:  
        Forest Park - G Tower
  • Instructor:   CE Org Staff
  • Fees:           59

 

Understanding Retirement Healthcare and Social Security

FINC-736    Understanding Retirement Healthcare and Social Security--Meramec - Social Science Bldg
2/21/2018--2/21/2018        Total Seats:  20    Places Left:  13

As people approach retirement, a common concern is the answer to the question, "What if I get sick?" This class will prepare you to make important decisions about your healthcare by helping you to understand your health insurance options. Learn about healthcare decisions to be made before and at retirement including what Medicare does and does not offer in plain English. You will also learn about Social Security, the original source of guaranteed income for life, including how it can pay to delay, how your Social Security income will be taxed and the little-understood effect of earned income on Social Security benefits. Senior discount does not apply.

  • Meeting Dates:  2/21/2018 - 2/21/2018
  • Meeting Days:  Wednesday
  • Meeting Times:  7:00:00 PM--9:00:00 PM
  • Location:  
        Meramec - Social Science Bldg
  • Instructor:   
  • Fees:           25

 

Financing Long Term Care

FINC-746    Financing Long Term Care--Forest Park - G Tower
3/8/2018--3/8/2018        Total Seats:  20    Places Left:  20

In the next 30 years, the number of people needing long term care (LTC) services will rise from 13 million to 27 million. With over two-thirds of the American population needing care, coupled with the baby boomers rapidly approaching the age in which LTC becomes the norm, costs have and will continue to skyrocket. This course will examine this crisis, what is causing it, and how to mitigate it through traditional insurance, Medicare/Medicaid and other financing options to limit your out of pocket costs. Senior discount does not apply.

  • Meeting Dates:  3/8/2018 - 3/8/2018
  • Meeting Days:  Thursday
  • Meeting Times:  6:30:00 PM--8:00:00 PM
  • Location:  
        Forest Park - G Tower
  • Instructor:   
  • Fees:           19

 

Paying for Long Term Care: Alternative Funding Options

FINC-746    Paying for Long Term Care: Alternative Funding Options--Meramec - Social Science Bldg
2/7/2018--2/7/2018        Total Seats:  20    Places Left:  11

What is long term care (LTC) and how do you pay for it? If you have ever experienced a friend or family member who has needed long term care, you understand the costs associated with providing this assistance. The question is how to pay for it without having to purchase long term care insurance. Class will focus on alternative financial programs that can be used to pay for LTC instead of specifically buying a long term care insurance policy. Senior discount does not apply.

  • Meeting Dates:  2/7/2018 - 2/7/2018
  • Meeting Days:  Wednesday
  • Meeting Times:  7:00:00 PM--9:00:00 PM
  • Location:  
        Meramec - Social Science Bldg
  • Instructor:   
  • Fees:           25

 
FINC-746    Paying for Long Term Care: Alternative Funding Options--Meramec - Social Science Bldg
4/4/2018--4/4/2018        Total Seats:  20    Places Left:  18

What is long term care (LTC) and how do you pay for it? If you have ever experienced a friend or family member who has needed long term care, you understand the costs associated with providing this assistance. The question is how to pay for it without having to purchase long term care insurance. Class will focus on alternative financial programs that can be used to pay for LTC instead of specifically buying a long term care insurance policy. Senior discount does not apply.

  • Meeting Dates:  4/4/2018 - 4/4/2018
  • Meeting Days:  Wednesday
  • Meeting Times:  7:00:00 PM--9:00:00 PM
  • Location:  
        Meramec - Social Science Bldg
  • Instructor:   
  • Fees:           25

 

Paying for Long Term Care: Obtaining Medicaid and Veteran's Benefits

FINC-746    Paying for Long Term Care: Obtaining Medicaid and Veteran's Benefits--STLCC-South County
3/19/2018--3/19/2018        Total Seats:  20    Places Left:  18

Paying for long term care is a problem facing a lot of senior citizens. This course will discuss five ways to plan and pay for long-term care. In addition to Medicare and long-term care insurance, we will cover the benefits available through Medicaid and through the Veterans Administration (for veterans and their spouses). Learn about eligibility requirements as well as techniques and strategies to become eligible. Class is designed for seniors who are facing such costs, or worrying about the future costs, as well as family members who are providing care for their parents. Taught by an elder care and accredited VA attorney. Senior discount does not apply.

  • Meeting Dates:  3/19/2018 - 3/19/2018
  • Meeting Days:  Monday
  • Meeting Times:  7:00:00 PM--9:00:00 PM
  • Location:  
        STLCC-South County
  • Instructor:   STLCC Staff
  • Fees:           25

 

Scams and Identity Theft

FINC-765    Scams and Identity Theft--Meramec - Social Science Bldg
3/24/2018--3/24/2018        Total Seats:  20    Places Left:  18

If you use a credit card, have a checking account, or use the internet, it is important that you be aware of the latest scams. It can take months and cost over $1000 to recover and clean up your identity and credit, but only two hours to learn how to prevent it. Though this informative, example-based class, you will learn: why people lie and how to detect deception; scams and the do's and don'ts; the Who, What, Where, When, How and Why of Identity Theft; what to do if you become a victim; and FREE Investigative Resources you can use at home. Don't get scammed! Cost for adults 60 and over $20.

  • Meeting Dates:  3/24/2018 - 3/24/2018
  • Meeting Days:  Saturday
  • Meeting Times:  10:00:00 AM--12:00:00 PM
  • Location:  
        Meramec - Social Science Bldg
  • Instructor:   Cheryl Ring Mantinband
  • Fees:           25

 

Understanding Wall Street

FINC-765    Understanding Wall Street--STLCC-South County
2/20/2018--2/20/2018        Total Seats:  20    Places Left:  15

Understanding how stocks, bonds, mutual funds and the various financial vehicles of Wall Street function is essential to a solid financial backbone. Learn what these vehicles are, how they work and separate "fact from fiction" when it comes to "fueling" your retirement fire. Discussion will include how these items work and how the taxes and fees woven into these vehicles can affect your bottom line. You will get an overview of: Stocks, bonds, and mutual Funds - What's the difference?; Tax considerations - the ultimate loophole; Understanding fees; Common financial myths; Overcoming obstacles to creating wealth; Exit strategies - How these vehicles can affect your legacy. Senior discount does not apply.

  • Meeting Dates:  2/20/2018 - 2/20/2018
  • Meeting Days:  Tuesday
  • Meeting Times:  6:30:00 PM--8:00:00 PM
  • Location:  
        STLCC-South County
  • Instructor:   STLCC Staff
  • Fees:           19

 

What Everyone Needs to Know About Divorce

FINC-765    What Everyone Needs to Know About Divorce--Meramec - Social Science Bldg
2/8/2018--2/8/2018        Total Seats:  20    Places Left:  17

Course will discuss the legal, emotional and financial issues of divorce in a logical yet compassionate way. With the guidance of trained professionals, workshop participants will gain a greater understanding of the confusing and challenging divorce process. The more information and support you have, the better the decisions you'll make for yourself and your family, leading to a more hopeful future. Course will be taught by a divorce attorney, a mental health professional and a Certified Divorce Financial Analyst. Senior discount does not apply.

  • Meeting Dates:  2/8/2018 - 2/8/2018
  • Meeting Days:  Thursday
  • Meeting Times:  6:00:00 PM--9:00:00 PM
  • Location:  
        Meramec - Social Science Bldg
  • Instructor:   STLCC Staff
  • Fees:           29