Living with Market Volatility
The effects of the sub prime credit crisis and record energy prices of
2007-2008 have generated one of the most challenging climates for investors
and consumers in recent memory. Incomes are being stretched by rising
prices at the gas station and the grocery store. What began as a lending
crisis in the US has spread around the world. In this course you will
learn: What is risk? How is it measured? Can I plan for it? Or manage
it? Can I time the market? What three decisions can I make in a market
correction? In today’s market, what can I do with money to invest?
Caldwell/West Caldwell- Tuesday, March 2
Morris Hills- Tuesday, March 23
How to Qualify For Financial Aid & Save for
College
Tuition planning is critical. The College Board estimates that at the
current rate of tuition inflation, a child born in 2000 will face an
education bill of more than $200,000 at an average priced private
university. The best way to pay is by saving and investing on a regular
basis as soon as possible. Learn about qualifying for financial aid using
the FAFSA form and how various tax advantaged savings plans can help you
save for education.
Caldwell/West Caldwell- Wednesday,
March 3
Morris Hills- Wednesday, March 24
Get Your Portfolio Back On Track
The
market downturn that began in 2000 has affected nearly every investor’s
financial plan in one way or another. However, an even bigger challenge
than uncertain financial markets may be the indecision and risk aversion
that typically result from financial downturns. Don’t get lulled into
complacency by the absence of sound financial advice! Learn five strategies
and some “Dos & Don’ts” that can help you get your portfolio back on track.
Caldwell/West Caldwell- Thursday,
March 4
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 you and them the most. Find out how you can 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.
Caldwell/West Caldwell- Wednesday, March 17
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.
Caldwell/West Caldwell- Tuesday, March 9
Life Insurance-The Product Most Bought and Least
Understood
What is the primary purpose of life insurance? How much do you need? What
types are there? Find out how you may be able to 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.
Caldwell/West Caldwell- Wednesday, March 10
Chatham, Madison & Florham Park- Wednesday, March 31
Morris Hills- Tuesday, April 13
Identity Theft- How To Prevent It
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 victimized.
Caldwell/West Caldwell- Thursday, March 11
Morris Hills- Wednesday, April 14
Invest Some Time in Your Future!
Are worried 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.
Caldwell/West Caldwell- Tuesday, March 16
Teach Your Kids about 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’.
Caldwell/West Caldwell- Thursday,
March 18
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
Adult School of Chatham-Madison-Florham
PK.
To register go to
www.theadultschool.org or
call 973-443-9222
At the Ridgedale Middle School
71 Ridgedale Ave., Florham Park 07932
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