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Please be sure to write down the title of the class, code number and section letter, so you will have it handy when you fill out the registration form. Getting Directions
Ultra-Investing Using Options:
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 Kay MacDonald |
MM02. Worried about the impact of stock market fluctuations on you and your family? These are important times for understanding and taking action to assure your long-term financial independence. This course is designed to provide a working knowledge of the concepts and principles involved in making your money work for you. We will cover interest rates, insurance investments, domestic and global stock and bond markets and financial planning for estates and college costs. This seminar is guaranteed to provide reliable and substantial information. There is a $5 materials fee included in the price. Students should bring a pencil, pad and a calculator to class. The seminar is appropriate for both beginners and for those with investment experience.
Kay E. MacDonald, a vice-president of Investments with First Union Securities, lives in Mt.Airy. She has 20 years experience in the securities industry.
Weds., 7:00 p.m.-9:00 p.m.
Oct. 24, 31, Nov.7
Grace Epiphany Church $45
MM03. This seminar will explore options that many people face regarding retirement. Are you sandwiched between children, aging parents, and maybe grandchildren, and can’t seem to really get a grip on understanding your current benefits and options? Do you really understand what social security will or will not do? Is your 401K pension going to be enough? How do you afford long-term care insurance, or do you even need it? Do you have more debt than savings? Bring your current benefits package and we will review your options and uncover some hidden ones. This is a way to answer many questions that you don’t ask your human resources director, broker, or financial advisor, with down-to-earth language and fun. Resource materials from Social Security, AARP, the IRS, and a variety of companies will be provided. $5 materials fee payable to the instructor.
Wynelle Knowles Coleman, MBA, is a specialist in retirement planning, long-term care service, and benefits consulting, specializing in women’s retirement planning. She has worked with various size companies, non-profit organizations, and individuals in benefit consulting and administration since 1998. She also volunteers with AARP and the YMCA of Germantown. She is the Founder/President of Sojourners Investment Club.
Sat., 10:00 a.m.-12:00 noon, Nov 3
Chestnut Hill Community Center $20
MM04. This course is designed for people who want to research stocks and/or bonds on the Internet and want to know where to look for information. A few sites from each of the following categories will be covered: bond prices, company web sites, economics-related information, financial portals, financial publications, investor presentations, requests for written information, SEC (Securities and Exchange Commission) information, stock market chat rooms, stock screening programs, valuation programs. A $2 materials fee is payable to the instructor. This will handle the cost of a floppy disk for “url’s” for all the categories listed above.
Sandy Tilney is also teaching the “Basics of Business and Investing” course.
Sat., 10:00 a.m.-12:00 noon, Oct. 27
Germantown Friends School $25
MM05. Learn how to pay less in taxes, reduce the IRS audit potential, and take advantage of all available tax breaks. You will understand: the important difference between business and personal income; kinds of deductible expenses, including deductions for “office-in-home” credits; adjustments available to reduce reportable income; how real estate rentals have potential to reduce some taxable income; and how to apply for EIC (earned income credit).
Erma Lineberger has extensive experience in both personal and business federal income tax preparation. She is a consultant to entrepreneurs just starting businesses and is a licensed real estate agent.
Sat., 10:00 a.m.-12:00 noon
Oct. 27, Nov. 3, 10, 17
Grace Community Christian Center $40
MM06. This course will cover the concepts, thought processes, and methodologies needed to analyze the value of a business. The focus will be on publicly owned corporations, the rationality of stock prices and the intrinsic value of a company. The basic premise is that an investor can determine a range of prices that represent fair value for a stock using a systematic approach. This course is not a stock market game, but there will be written homework assignments to recommend individual equity purchases. There is no required text, but Learn to Earn by Lynch and Rothchild ($14) is suggested reading. Most background information and materials are available on the Internet (relevant links to be provided). Students will be expected to have a reasonable facility with spreadsheets and the Internet, and have an e-mail address. Access to a computer and the ability to read Microsoft Excel and Word files is a must. Topics to be discussed are as follows: What is a stock? What is the stock market? Why do we have and/or need stock markets? How to value a stock or bond. What is a reasonable return on an investment? Details of balance sheets, income and cash flow statements.
Sandy Tilney spent 30 years as a commercial banker in New York and abroad, and now has his own investment business that researches stock market ideas.
Mon., 7:00 p.m.-9:00 p.m.
Oct. 1, 8, 15, 22, 29, Nov. 5, 12, 19, 26, Dec. 3
Germantown Friends School $100
MM07. Paying for college has never been easy. Section 529 of the Internal Revenue Code is the newest and best way to save for college. This savings plan combines tax-deferred investment growth with tax free distributions. Congress passed Section 529 into law to help families offset the soaring costs of higher education. “This has become my most valuable financial planning tool since IRA’s and 401K’s.”
Kay E. MacDonald also teaches “Understanding Money.”
Tues., 7:30 p.m.-9:30 p.m., Nov. 13
Unitarian Society of Germantown $15
MM08. Get completely out of debt (including your mortgage)! How would it feel to pay off all your credit cards, car payments, student loans, etc., in 1 to 3 years, and then pay off your 30-year mortgage in another 3 to 4 years? You can do all this with your current income! No second job or living like a hermit. Learn a new technology which will help you eliminate your debts and then operate 100% on cash, never wanting or needing credit again. Bring a list of your debts (kept strictly confidential) with balances and monthly payments (principal and interest only for mortgage), and during the class, develop your own debt elimination plan that can be implemented immediately into your lifestyle. Each participant receives a 16-page workbook included in tuition. Please bring a pocket calculator to class. There is a $5 materials fee payable to the instructor.
Vanessa Lowe is an independent financial planner with an MBA from the Wharton School.
Sat., 10:00 a.m.-1:00 p.m., Sept. 22
Germantown Friends School $45
Zero Taxes Deducted from Your Paycheck
MM09. Is almost half of your paycheck eaten by taxes? If you have a sideline business, or would like to start one, you can have little or no taxes taken from your pay. The average person following this strategy has been able to increase their take-home pay by $300-$500 per month. Learn why a side line business is an economic necessity. Learn whether to incorporate or not, and how to do it inexpensively, how to get free professional tax advice, and find overlooked deductions and tax-saving strategies. Use your new monthly cash flow to build the business of your dreams. There is a $5 materials fee payable to the instructor. Attendees get a copy of the tax-cutting resource kit.
Paul Mladjenovic
Fri., 7:00 p.m.-9:30 p.m., Sept. 28
Mt. Airy Presbyterian Church $45
$50 Wealth Builder
MM10. For as little as $50, you can begin building your own financial empire as a small investor. This seminar was created specifically to meet the needs of the low and middle income investor. You’ll find out how you can buy blue chip stocks for as little as $50 a month (with no commissions), make big profits while protecting your investment gains, invest in income producing real estate staring with only $100, start a high-powered financial portfolio for $100, and invest in mutual funds like a pro. You will learn a simple 6-step formula for successfully choosing mutual funds for your situation, and learn how to protect your investments for the years to come. You work hard for your money - find out how to make your money work hard for you.
Paul Mladjenovic
Sat., 10:00 a.m.-2:30 p.m., Sept. 29
Mt. Airy Presbyterian Church $60
