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10 Secrets & Tips for Successfully Buying or Selling a Home or Investment PropertyMoney MattersLearn how to be more successful when acquiring or selling real estate by understanding the purchase agreement, strategies for multiple offers, and different ways to cover closing costs and mortgage insurance. We review market data and an overview of loan programs- including a loan for escrowing improvements, appraisal issues affecting a home sale, and small things to improve your chances of selling your property. A no-obligation price evaluation of your home by the instructor is included.Winter Spring 2025
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First-time buyers learn how to buy a home using special loans, grants & First Generation home funds!Money MattersWe will review the process of buying a home from A-Z and discuss unique funding that is only available to YOU- a first-time buyer. With one program, it is possible to buy a home for as little as $1000 of your own funds. You are generally a first-time buyer if you have not owned a home in the past 3 years.Winter Spring 2025
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Montgomery County Planning Commission (flickr) (CC BY 2.0)Introduction to Senior HousingMoney MattersAging often involves transitioning to different housing. The process involves coordinating financial and physical health considerations and frequently downsizing a home. We review these aspects so you can plan. Housing discussed- buying & renting-subsidized and elderly waivers, market-rate apartments, 55+, CCRC, independent/assisted living age in place, memory care, cooperatives, condo/townhouses. Explore alternatives to just single-family living. Come with your questions!Winter Spring 2025
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Starting SoonMedicare Made SimpleMoney MattersAs you get closer to age 65, you may feel bombarded with information about Medicare. Simplify that information and learn the basics of Medicare. You will get an overview for Medicare coverage and explanations of Part A,B,C and D. You'll also learn about how and when to apply and how to avoid penalties. There will be plenty of time for questions. All ages are welcome to attend. Melody Manthey is a licensed insurance representative.Fall 2024
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Medicare Made SimpleMoney MattersAs you get closer to age 65, you may feel bombarded with information about Medicare. Simplify that information and learn the basics of Medicare. You will get an overview for Medicare coverage and explanations of Part A,B,C and D. You'll also learn about how and when to apply and how to avoid penalties. There will be plenty of time for questions. All ages are welcome to attend. Melody Manthey is a licensed insurance representative.Winter Spring 2025
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Social Security for Couples: Maximizing Your Benefits TogetherMoney MattersAre you and your spouse nearing retirement age? Learn how to get the most out of your Social Security benefits as a couple. Topics include: How marriage impacts Social Security Deciding when to claim Coordinating with other income sources Taxes and Social Security Working while receiving benefits Techniques higher-earning couples can utilize This class is essential for married couples wanting to ensure they receive their full share of the Social Security benefits they've earned.Fall 2024
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Starting SoonSocial Security for Women: Your Strategic Guide to Maximizing Social Security BenefitsMoney MattersDid you know that women face unique challenges when it comes to maximizing their Social Security benefits? Understand key Social Security provisions like: • How to qualify for spousal and survivor benefits off your husband's record • Increasing your payments by delaying claims as long as possible • Managing the earned income limits if you continue working • Collecting on your ex-spouse's record after divorce • Minimizing taxes on your Social Security income in retirementFall 2024
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The Baby Boomer’s Guide to Medicare Planning-learn the Medicare BasicsMoney MattersAre you turning sixty-five and wondering about Medicare? Would you like to understand Medicare Part A and B and the difference between Medicare supplements and Advantage plans? What are your choices if you are working and have a group plan? Learn when you can enroll and where you can make some comparisons to select the right option.Winter Spring 2025
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Understanding InsuranceMoney MattersAre you unsure about what insurance is, how it works, or why it's essential? You'll learn the fundamentals of an insurance contract, explore key terms, and discover the various types of insurance that everyone should know. By the end of this course, you'll gain the knowledge needed to understand and manage your insurance policies to ensure that all of your assets are protected. There will be time left at the end for questions.Fall 2024