Do you worry about whether you can afford to retire? Are you afraid you’ll have to work until you’re too old to enjoy your retirement? After taking this class you will be able to avoid the 10 biggest retirement planning mistakes. Whether your objective is to build a nest egg, protect your assets or preserve your lifestyle throughout retirement, this class will help you plan your future with confidence. Join Travis Morse and James Ryan, financial advisors with Raymond James & Associates, as you learn what you need to pay attention to in planning your retirement.

WOSH 82B-39
Tuesdays • 3/11/08-3/18/08 • 6-8:30 pm
Location: RMTC • Fee: $29

Of course it’s all the buzz…you’ve seen it on Oprah or perhaps you even own the movie or book; however, one of the criticisms of the book is that it doesn’t clearly tell you how to make the Law of Attraction work. Well, now you can discover “the secrets” of The Secret! Join Terri Vought, life coach and entrepreneur, as she takes you through an amazing process and gives you the tools and techniques you can immediately put to use to apply the principles of The Secret to your daily life. You can create a life of abundance, prosperity, and health when you follow the steps that Terri will share with you. Previous attendees share that this process works, so don’t miss your chance to have it all!

WOSH 82A-41
Wednesdays • 2/20/08-3/26/08 • 6-8 pm
Location: RMTC • Fee: $99 (includes materials)

Most people don't like to think about dying, but it is something that everyone has to face. What will happen to the money you worked hard to save? Who will get your house? Although not a pleasant subject, these are things that should be decided now. Most people put off planning their estate, but putting off these decisions can cost your heirs considerable money and anguish. In order to ensure that your wishes about who should get what are heeded and that costs and inconveniences of probate and estate taxes are avoided after your death, it is critical to do estate planning now. This workshop will help you understand the types of estate planning moves that are most likely to be helpful for many people. Proper estate planning takes a relatively short time, but will give you and your heirs tremendous peace of mind. With estate planning, you can make sure your medical and business decisions can be made by someone you trust if incapacity strikes-without court interference and with as little disruption as possible to your loved ones. Join Susan McCabe, JD, as you learn the most important aspects of this often daunting topic.

WOSH 82B-38
Saturday • 5/3/08 • 9 am-12 pm
Location: RMTC • Fee: $25

Finding money for college can be an overwhelming task-grants, scholarships, loans-the choices can make your head spin! Join Barb Erickson, a parent and a high school counselor, to learn how you can access thousands of scholarships, how to write a winning essay, and some insider tips to access little known scholarship funds! If you're a parent feeling pressured about funds for your college-bound student, then you won't want to miss this class-and you can bring your high-school student along at no charge.

WOSH 82B-37
Monday • 2/25/08 • 6-8:30 pm
Location: RMTC • Fee: $29

Yes, you can get completely out of debt including your credit cards, loans and mortgage and we’re here to show you how! Whether you make $12,000 or $120,000, have good credit or no credit, investing in your debt is the way to survive in today’s economy. This workshop is not just for people who are having problems with their debt; often those who benefit most are the people who can make their minimum payments but realize they don’t want to do that forever. If you apply the debt free living plan to your finances the average family can pay off all their consumer debt in 1-3 years and their mortgage in an additional 3-4 years. Imagine owning your home and not owing anyone else within just 7 years! In this workshop you’ll learn a powerful, proven linear math/variable path method that can help you be debt free much faster than you ever thought you could. We’ll even make sure you can handle emergencies or other unexpected situations that may arise. You don’t have to be a Wall Street wizard to save over $100,000 in interest and get a 37.13% return on your debt; simply join us for this educational workshop to learn how. Please bring a list of your current debts and monthly payments along with a pencil and calculator. Your financial information is for your use only and will not be shared in class. There will be an optional textbook available for purchase from the instructor for $46 (cash and checks only). Oh, if this sounds too good to be true we welcome skeptics to join us and we guarantee you’ll leave with a new perspective and a plan for living debt free!

WOSH 82B-36
Saturday • 5/3/08 • 9 am-12 pm
Location: RMTC • Fee: $39 (includes handouts)

Have you been told by a lender or a car dealer that your credit isn’t good enough to get a loan? Excellent credit can open doors to the lowest mortgage and loan rates and it can save you thousands of dollars over the life of any loan. With the collapse of the sub-prime mortgage industry and choking consumer credit card debt, now is the time to review your credit rating and work to make your credit score superb. Learn how and where to order your credit report and the importance of your credit rating to your FICO score. Find out how to read a credit report and dispute inaccuracies, plus we’ll talk about the pros and cons of credit counseling. Start to build credit in a constructive way, create strategies to save, and learn how to develop a spending plan that will assist in moving your credit rating from embarrassing to outstanding!

WOSH 82B-40
Tuesday • 4/1/08 • 6-8:30 pm
Location: RMTC • Fee: $25