Community and Professional Education

Winter/Spring 2017 Offerings: Business/Financial Planning

Your Passport to Retirement: The Complete Financial Management Workshop
Thinking about retirement or creating an investment plan? Do you need to do some estate planning? This course will inform you of the potential benefits of effective financial management and to show you techniques that will assist you in meeting your goals. Topics include: the seven roadblocks to financial success; the six keys to financial success; risk management; cash management - create liquidity, pay down debt, increase savings; investment planning - what the pros do, strategies for successful investing, stocks, bonds, annuities, mutual funds; tax management and tax planning; retirement planning - calculating the cost of retirement, sources of retirement income, IRA(s), 401-K's, 403-b(s), 457 plans; estate planning - probate, estate taxes, intestacy, wills, trusts. The course concludes with how to prepare your own plan. Call Steve Miner at (518) 272-6747 for more details. Course fee includes $26 materials fee for the workbook.

*Your spouse, partner or significant other is encouraged to attend at no charge, but will need to register for the course as well. Please note that you will only receive one workbook per couple.
3 Sessions, DCC 137
Tues., 3/28 - 4/11, 6:30 - 9 p.m.
*60423 - Please use this course number to register a partner.
Stephen F. Miner, CLU, ChFC, Instructor

Notary Public Review Workshop - Prepare for the NYS Exam
This workshop prepares you for the New York State Notary Public test and will provide you with a comprehensive view of the Notary Public Office. Confusing laws, concepts and procedures will be clearly explained and clarified. Examples will be provided to illuminate situations that a notary public office is likely to encounter. Topics include avoiding conflicts of interest, maintaining professional ethics, charging proper fees, handling special situations, when to defer to an attorney and minimizing legal liability. This workshop is a must for notary public candidates who want to become fully aware of the authority, duties and responsibilities involved in this office. All materials will be provided, including website links to NYS Department of State licensing information, booklets and forms. Also featured is an 80-question practice exam that attempts to emulate the actual New York State mandatory exam. Course fee includes a $5 materials fee.
1 Session, DCC 138
Wed., 2/15, 5 - 9 p.m.

1 Session, DCC 138
Thurs., 5/11, 8:30 a.m. - 12:30 p.m.
Victor Bujanow, CIC, Instructor

Maximizing Social Security Benefit
A few key decisions can make a big difference in the amount of your Social Security benefit. Attend this hands-on workshop and learn strategies to get the most money from Social Security. Learn how to plan for taxes, health care and other costs during retirement, as well as how to wisely grow and protect your retirement income. This session will cover key Social Security benefit choices, such as individual and spousal options, and help you understand simple steps to maximize your benefit. Join us before you make financial decisions that may not be able to be reversed. Course fee includes $5 materials fee.
1 Session, DCC B06
Wed., 2/15, 6 - 8 p.m.
Frank Finch, Principal of Life Stages Financial Group and adviser with Halliday Financial Group, Instructor

Search Engine Optimization for Small Businesses
This course provides a brief overview of what a search engine is, how it works and how to develop a web presence that can be found by search engines. Topics will include social media, online advertising and website optimization. While this is not a hands-on class, a basic understanding of web design would be helpful but necessary.
1 Session, ADM 101
Tues., 2/21, 6 - 9 p.m.
Sandra Thomas, Instructor

First Time Home Buyer
Does the thought of buying a home scare you? This course will provide education regarding the home buying process to consumers. The course will include: advantages and disadvantages of owning a home; shopping for a home; types of homes (single family and two family); searching for the right home (dream versus reality); ways to search for a home (Realtors, internet); house inspections and when to call an expert; negotiating an offer and what to obtain at closing; when to contact a mortgage broker or attorney; what to expect from the loan process; and how to obtain a mortgage pre-approval.
1 Session, DCC 136
Wed., 3/29, 6 - 8 p.m.
Sandra Hassfurter and Mark Pawlows, Instructors

Making Green(er) Money
How do you feel about investing in tobacco? How about alcohol or the defense industry? Do fair labor practices or environmental policies concern you? This class will explore concepts of socially responsible investing (SRI) and, to a smaller degree, ideas regarding sustainable lifestyle practices that may profit both the individual and larger communities. Key questions we'll discuss are: how profitable are so-called "socially responsible" investments? How have SRI investment results compared with other investments? How does one find such investments? And, how might one integrate these SRI's into an existing portfolio to meet clearer, larger-purposed goals? This class will not try to change values or even suggest that socially responsible investing is a good thing; we will look at today's investment options from both an economic and ethical standpoint. Course fee includes a $5 materials fee.
1 Session, DCC B06
Wed., 3/1, 6:30 - 8 p.m.
Frank Finch, Principal of Life Stages Financial Group and adviser with Halliday Financial Group, Instructor

Raising Money-Savvy Kids with your Family Values
Kids can easily make foolish spending decisions and become unwitting victims of impulse-buying, peer pressure, advertising and even fraud. As parents, we want to shield our children from these pitfalls by instilling habits that will ensure that they become money-savvy, financially independent adults. But beyond this, we also want to imbue our kids with certain family values that are often associated with money – values like patience, hard work, charity and reliability. This workshop can support your efforts to guide your kids in making money-smart decisions that reinforce your family values. Although it's difficult to keep up with all the changes in our modern financial world, if your kids learn to apply your money-smart family values to different situations, they will have a good chance of living happy, productive and financially successful lives.
1 Session, ADM 102
Tues., 5/2, 6 - 8 p.m.
Don Bell and Phyllis Allen, Instructors

How to Earn Extra Money with a Mystery Shopping Business
Have you ever wanted to become a secret mystery shopper? Have you seen ads telling you how to become a shopper, but only if you send them a lot of money? You do not have to pay to begin your new career in this exciting field. You will learn how to start your business endeavor (participants must also attend "Cash in with a Successful Home-Based Business") and you will also learn how to:

  • sign up with many legitimate mystery shopping companies without fees!
  • avoid the pitfalls and scams
  • create a required mystery shopping resume and profile
  • take care of legalities and taxes regarding this income
  • become a merchandiser too for extra money

With a few simple steps, you can start mystery shopping today! Course fee includes $10 materials fee. Students will receive a list of 25 legitimate companies you can apply to.
1 Session, DCC B05
Tues., 4/11, 1 - 2 p.m.
LeeAnne Krusemark, Instructor

Cash in with a Successful Home-Based Business
Are you tired of working for someone else? Do you need to make more money? Turn your talents and hobbies into profits at home by learning how to start a home-based business. During this informative workshop, you will discover:

  • mandatory legal documentation
  • many ways to market your product/service
  • how to take tax deductions (this workshop included!)
  • more than 100 home business ideas
  • free future Q&A opportunities

This is probably the most comprehensive business startup workshop you will ever find, so if you really want to succeed in a home business, this step-by-step session is a must! Course fee includes $20 materials fee.
1 Session, DCC B05
Tues., 4/11, 2 - 4 p.m.
LeeAnne Krusemark, Instructor

Seven Simple Secrets to Financial Freedom
Does your money work for you or do you work for your money? This class is not taught by a financial guru using technical language you can't possibly understand. You will learn from a single mom turned home business entrepreneur, turned homeowner, turned real estate investor. This is not a get rich quick scheme, this is a plan of action to:

  • get out of credit card debt and reduce bad credit
  • raise your credit limit and lower your interest rate
  • use more credit to raise your credit score
  • buy a home even if you have bad credit or are self employed
  • pay off your mortgage in half the time with less money
  • keep your home protected against lawsuits
  • become an active investor for financial freedom

This workshop is not for those already advanced in financial matters nor does it provide any legal advice. Course fee includes $20 materials fee.
1 Session, DCC B05
Tues., 4/11, 4 - 6 p.m.
LeeAnne Krusemark, Instructor