Finance and Investments

Personal Enrichment

Offered through Continuing Education

@ Meramec | Wildwood | South County Education Center | Off-Site

Increase your knowledge of finance and investing with classes that explore stocks and bonds, identity theft and keeping track of your money.

Program Coordinator

Continuing Education

Phone

314-984-7777

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Please call 314-984-7777 to register for classes by phone, or click the button above to register and pay online.

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Finance and Investments, general

Identity Theft

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 $1,000 to recover and clean up your identity and credit, but only two hours to learn how to prevent it. Through this informative, example-based class, you will learn why people lie and how to detect deception; scams and the dos 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!
FINC:765 | 1 session | $21.50 AGE 60+ | $29 REG 

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

Are you one of 52% of Americans 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.
FINC:735 | 1 session | $25 AGE 60+ | $35 REG 

NEW! Preparing for the Unexpected

Prepare for financial emergencies and unexpected circumstances that could potentially derail your retirement plans. Taught by a financial advisor, this course outlines ways you can anticipate large financial emergencies while staying on track toward your financial goals, even when life challenges arise.
FINC:765 | 1 session | $35 AGE 60+ | $35 REG

Foundations of Investing

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.
FINC:705 | 2 sessions | $39 AGE 60+ | $39 REG

Understanding Wall Street

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. Gain an overview of differences between stocks, bonds and mutual funds; tax considerations (the ultimate loophole); fees; common financial myths; how to overcome obstacles in order to create wealth; and ways exit strategies can affect your legacy.
FINC:765 | 1 session | $29 AGE 60+ | $29 REG

NEW! DIY Financial Planning

Learn from the author of “Achieving Financial Stability in America” how you can do your own financial planning like a pro while minimizing costs. Having a great job with a nice salary is not enough to achieve financial stability. Understanding tax benefits that are readily available for savers and ways to protect your assets from creditors is also essential. This dynamic two-session course explores various financial topics including credit, loans, financial products, investment, retirement planning, education planning, personal taxes and estate planning. 
FINC:765 | 2 sessions | $29 AGE 60+ | $49 REG

Managing Investment Risk in Bear Markets

In this class, we will explore how to preserve and grow your assets in a Bear Market. The market is up, the market is down. Interest rates are increasing. Tax cuts and booming deficits make us question the sustainability of the longest bull market in history. RMDs (Required Minimum Distribution) must be well-planned – we need our retirement savings to last a lifetime! How could all these unknowns affect our legacy? What tactics and strategies do the wealthy utilize in down markets? Get the answers to these questions and more in this class.
FINC:705 | 4 sessions | $35 AGE 60+ | $35 REG

Paying for Long Term Care: Alternative Funding Options

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.
FINC:746 | 1 session | $25 AGE 60+ | $25 REG

We have more!

Are you providing long term care as a caregiver? Be sure to check out “Caregiving At Home.”

Real Estate

NEW! Leveling Up: Buying vs. Renting

Are you a renter who has #goals of buying a home, or a current homeowner wondering whether renting makes more sense for your lifestyle? Hungry for a change but don’t know where to start? It may be time to evaluate the relative costs, benefits and drawbacks of owning versus renting your home! Join a real estate professional and make a plan for the best option for your living situation!
REAL:765 | 1 session | $13 AGE 60+ | $19 REG

NEW! The Upside of Downsizing

We accumulate a lot of things over the years, but eventually the extra stuff needs to go! Whether it’s choosing a simpler lifestyle, empty-nesting, or entering independent living, downsizing can seem overwhelming in the beginning. Which comes first, getting rid of clutter or getting organized? Listing the house or finding your new home? From paring down the excess to moving to a smaller space, let us help you explore the upside of downsizing!
REAL:765 | 1 session | $13 AGE 60+ | $19 REG

Buying a Home? Top Home Buying Mistakes to Avoid

“If only we had known…” is the sad tale of too many home buyers. Purchasing a home is the largest investment you’ll ever make. Discover home buying mistakes to avoid and the inside scoop to avoid surprises at closing. Learn what you should know before you purchase, what to expect throughout the process, strategies to obtain the best value, the importance of understanding contracts you sign, getting the right inspections before closing the deal and how to safeguard yourself in any market.
REAL:701 | 1 session | $19 AGE 60+ | $25 REG

Home Selling: Your Guide to a Successful Sale

If you’ve never sold a home before—or even if you have, but it’s been a while—it’s important to know your marketing options. Learn what to expect from the home selling process, ways to add impact and value to your home for top dollar offers, how to use knowledge of competition in your area to determine a realistic selling price, the pros and cons of “for sale by owner” and how to find the right agent to sell your house. In one evening, learn inside track tips that can get you the best deal for your home!
REAL:702 | 1 session | $19 AGE 60+ | $25 REG 

Real Estate Investing for Income

True financial wealth is about having the unearned income to finance your life goals without having to work. Private market commercial real estate returned an average of 8.4% over the 10-year period from 2000 to 2010. The key is to understand what you are buying by having a solid knowledge and a good plan. Find out how to plan your investment strategies to lead to true financial wealth!
REAL:725 | 1 session | $23 AGE 60+ | $29 REG

Estate Planning

Preparing Your Estate Plan

Designed for anyone who would like to better understand the basics of estate planning, this course explores factors 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, transfer on death registrations (TODs), payable on death registrations (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.
FINC:710 | 1 session | $35 AGE 60+ | $35 REG

Tax and Estate Planning

This course outlines long-term, multi-generational tax strategies aimed at saving the retiree significant dollars through retirement and beyond. The new tax law changes of 2018 have had a significant impact on the tax strategies many pre-retirees can utilize to maximize their income, pay less taxes over the course of their lives, and pass their estate on as efficiently as possible. This course examines those changes, and takes a dive into qualified vs. non-qualified monies, insurance, wills and trusts, and basic as well as advanced tax strategies to maximize your long term plan.
FINC:710 | 1 session | $35 AGE 60+ | $35 REG

 

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