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. 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 $41 (cash and checks only).
NOTE: Contact Lifelong Learning directly at 269-965-4134 for “couple” pricing. One person from couple will register at the $49 price and the second person’s information (name/address/ birth date/phone) must be provided at that time.

Session 1:
MONY C10B-35 (single) or MONY C10B-36 (couple)
Use these course numbers to register (click here).
Saturday • 2/20/10 • 9 am-12 pm

Session 2:
MONY C10B-37 (single) or MONY C10B-38 (couple)
Use these course numbers to register (click here).
Thursday • 3/25/10 • 6-9 pm

Instructor: F. Wilson
Fee: $29 (perperson) • $49 (per couple)

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 take advantage of little known scholarship funds! If you’re a parent feeling pressured about funds for your collegebound student, then you won’t want to miss this class—and you can bring your high-school student along at no charge.

MONY C11A-35 — Use this course number to register (click here).
Saturday • 2/20/10 • 9-11:30 am
Instructor: B. Erickson
Fee: $29

With the divorce rate reported at more than 50 percent in America, it’s inevitable that you or someone you know will end a marriage. Information is power, and you need information if you’ve been considering a divorce or legal separation. When you have the information you need you are in control. In this workshop you’ll learn from a legal professional what you need to think about, along with the options available to you. Most people spend more time planning their next vacation than they spend planning a divorce. Don’t make that costly mistake! Join us to learn what you need to know and do before you spend a dime on attorney fees.

MONY C12P-35 — Use this course number to register (click here).
Saturday • 2/20/10 • 9 am-12 pm
Instructor: S. McCabe
Fee: $25

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 us to learn the most important aspects of this often daunting topic.
NOTE: Contact Lifelong Learning directly at 269-965-4134 for “couple” pricing. One person from couple will register at the $49 price and the second person’s information (name/address/ birth date/phone) must be provided at that time

MONY C12E-35 (single) or MONY C12E-36 (couple) — Use these course numbers to register (click here).
Saturday • 3/13/10 • 9 am-12 pm
Instructor: S. McCabe
Fee: $29 (single) or $49 (couple)

Do you ever wonder who will handle your money and affairs if you get sick or if you become disabled and cannot do these things for yourself ? You might expect that a spouse or other family member automatically has the power to do what is necessary. But this is not true. The most common document is called a power of attorney. Join us as we explore what you need to know about powers of attorney and other legal decision-making tools.
NOTE: Contact Lifelong Learning directly at 269-965-4134 for “couple” pricing. One person from couple will register at the $49 price and the second person’s information (name/address/birth date/phone) must be provided at that time.

MONY C12P-36 (single) or MONY C12P-37(couple) — Use this course number to register (click here).
Saturday • 4/24/10 • 9 am-12 pm
Instructor: name
Fee: $29 (single) or $49 (couple)

Are you tired of working for someone else? Are you out of work and looking for ways to make more money? You can turn your talents and hobbies into profits by learning how to start a home-based business. Join a Chamber of Commerce past president and successful southern California entrepreneur to discover: more than 100 home business ideas; mandatory legal document; the many ways to market your product or service; and how to take tax deductions (including this workshop!). If you really want to succeed in a home-based business, this step-by-step workshop is a must. Your fee includes materials that will help you long after the workshop is over. Special Note: Due to high demand for this guest instructor nationwide, this workshop can only be offered once a year; so register early to secure your seat.

MONY C10A-35 — Use this course number to register (click here).
Thursday • 4/29/10 • 6-8 pm
Instructor: L. Krusemark
Fee: $69 (includes materials)