A Primer on Indexed Fixed Annuities (NEW for Fall 2011!)
How do you like the sound of, “No downside with market upside”? If it is appealing you may be a candidate for an Indexed Fixed Annuity. Learn how these guaranteed products work, what tax deferral they offer, what kind of income streams and how your heirs and beneficiaries will be protected if you’re not here to provide for them.
Tuesday, October 25 - 7:00 PM - James Caldwell High School
2020 Vision: The case for Equities in the Decade Ahead (NEW for Fall 2011!)
The severity of recent market events has many investors focused on short-term safety and performance. Learn why it may be more appropriate to focus on the long term and why equities are worth considering for your portfolio.
Wednesday, October 26 - 7:00 PM - James Caldwell High School
Tuesday, November 1 - 7:00 PM - Morris Hill High School
Qualify For Financial Aid & Save for College
Do you have a child or children who will go to college? How do you expect to pay for or finance it? Did you know the 529 plan won’t interfere with NJ financial aid, is creditor-protected and EXEMPT from Federal AND State income tax if used for college? Lean this and more about the FAFSA form, how best to save for higher education and market your student to the college of choice!
Tuesday, Oct. 4, 2011, 7:00 PM at the James Caldwell High School
Wednesday, Nov. 2, 7:00 PM at the Morris Hills High School
Municipal Bonds: Perception versus Reality
Where do you think income taxes are going - up or down? Would you like to invest in tax-FREE municipal bonds? Do you know what a Tax Equivalent Yield (TEY) is, or how ‘Munis’ are evaluated in terms of credit risk? Are municipal default rates higher or lower than corporate default rates? Learn the answers to these and similar questions!
Wednesday, Oct. 19, 7:00 PM at the James Caldwell High School
Retirement Plans for the Business Owner
Are you a business owner who would like to save money for yourself and your employees’ retirement? Improve morale & retention? Learn which retirement plans help the most and are best suited to you. Find out how to save money for your future, have that money grow tax deferred, tax free and even get a tax deduction! Discover which plan allows your money to grow tax deferred and has no limit on your contributions.
Tuesday, Oct. 18, 7:00 PM at the James Caldwell High School
Building Wealth in Retirement - Life Planning after 50!
Learn strategies for creating a lifetime stream of income; how to maximize net worth and minimize tax liabilities. Balance asset allocation & diversity needs for growth against capital preservation fears. Ensure against living past your assets by taking steps now during your prime earning years.
Wednesday, Oct. 12, 7:00 PM at the James Caldwell High School
Tuesday, Nov. 8, 7:00 PM at the Morris Hills High School
Life Insurance - The Product Most Bought and Least Understood
Why would you ever buy life insurance? How much is appropriate? What types are there? Find out how you may maximize your pension with life insurance. Learn how you can help preserve the wealth you have accumulated and create a lasting legacy for your beneficiaries using life insurance. Attend this workshop and get the answers to these questions and many more.
Wednesday, Oct. 5, 7:00 PM at the James Caldwell High School
Identity Theft - How to Prevent It
Have you, or do you know someone who has been victimized? In 2004 over 9.2 million incidents of identity theft resulted in some $53 Billion in losses! It is perhaps the fastest growing crime in our nation today. Learn how these thieves steal information and what you can do to reduce the likelihood and minimize loss if it happens.
Thursday, Oct. 6, 7:00 PM at the James Caldwell High School
Invest Some Time in Your Future!
What can you do about today’s stock market and uncertain times? What investment tools are available to help you save money? Should your money grow tax-deferred or tax-free? What will you do with your retirement plan (Pension, Profit Sharing, 401(k), 403(b), TSA, TSP)? Learn the answers to these questions and others you may have in this workshop.
Thursday, Oct. 13, 7:00 PM at the James Caldwell High School
Wednesday, Nov. 9, 7:00 PM at the Morris Hills High School
Teach Your Kids about Money
How did you learn to handle money? This course will help teach parents and children about the basics of budgeting, finance and investing. We will look at common household products and the companies that make them and how to invest in those companies with mutual funds. Discussion will center on why funds are so popular in IRAs, 401(k)s and 529 college savings plans. All children must be accompanied by an adult. Adults may attend ‘on their own’.
Thursday, Oct. 20, 7:00 PM at the James Caldwell High School
Location Information and How To Enroll
Caldwell/West Caldwell Continuing Education
To register go to www.cwcboe.org or
call 973-228-2092
At the James Caldwell High School
265 Westville Ave., West Caldwell 07006
Morris Hills Regional District
To register go www.mhcontinuingedu.com or
call 973-664-2295
At the Morris Hills High School
48 Knoll Dr., Rockaway 07866
PLEASE PASS THIS ON TO AN INTERESTED FRIEND!
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