Adult Education Parents | Students | Staff | District | Administration | Employment WPS Home WPS Mail Adult Education Night Life GED Classes GED Exam Schedule Literacy ESL Contact Business & Investing Consumer Accounting Location Forest Grove Middle School Number of Weeks 8 Day of the Week MONDAYS Starts 3/3/2008 Time 06:30-08:30 p.m. Fee for Worc Residents $95 Fee for Non-Worc Residents $110 Accounting is a useful tool in everyday life. Come learn the basic accounting equation - ASSETS = LIABILITIES + CAPITAL. Gain the knowledge to report and analyze your own financial data and budget your money. Books: College Accounting, 19th Edition, ISBN: 0324382480 and Study Guide & Working Papers, ISBN: 0324640218. Quick Books Location Forest Grove Middle School Number of Weeks 6 Day of the Week MONDAYS Starts 3/3/2008 Time 07:00-09:00 p.m. Fee for Worc Residents $125 Fee for Non-Worc Residents $140 For individuals and business owners! Automate your checkbook and business expenses. Automate your tax returns. Create your own reports, bank reconciliations expense, income, and net worth. Materials fee $15 payable to instructor. Making the Most of Your Success: Estate Planning Strategies for Nearly Everyone Location Forest Grove Middle School Number of Weeks 0 Day of the Week WEDNESDAYS Starts 3/5/2008 Time 06:30-08:30 p.m. Fee for Worc Residents $0 Fee for Non-Worc Residents $0 We will cover topics including: Create Legacy vision Transfer assets, coordinate estate and retirement plans Protection and estate tax issues Charitable gifting, annuities and trusts Trusts, charitable giving and leaving a large estate Estate planning process and roles. INVESTING IN THE STOCK MARKET Location Burncoat High School Number of Weeks 8 Day of the Week THURSDAYS Starts 3/6/2008 Time 07:00-08:00 p.m. Fee for Worc Residents $95 Fee for Non-Worc Residents $110 Course designed for beginners and will progress to more sophisticated investment strategies. All areas of investment covered-stocks, bonds, options, real estate, insurance, mutual funds, municipals, reading financial papers and annual reports. CONSULTING IN CREATIVE NICHES: STARTING A CONSULTING BUSINESS ON A SHOESTRING! Location Clark Street Developmental Number of Weeks 1 Day of the Week SATURDAYS Starts 3/8/2008 Time 09:00-03:00 p.m. Fee for Worc Residents $25 Fee for Non-Worc Residents $40 James Gage has been an author, investor and consultant for over 20 years. U.S. Congressman and their families have engaged his services to negotiate complex issues instead of hiring high priced lawyers! Now he brings his knowledge, experience and expertise on consulting in this information packed course. James can teach anyone to become a successful consultant through sound negotiating techniques and recognizing potential niche markets. What you will learn : ? Learn how this lucrative business can be operated out of the comfort of your own home. ? How to start a consulting business with less than $100.00. ? Learn the most popular industries that need consultants- now! ? Take your knowledge and hobbies and turn them into a consulting business. ? Learn the traits and characteristics of a successful consultant. ? Learn how to negotiate like a pro. ? How to get paid up front for the consulting you do. ? How to structure your business and fee structure. ? How to get up and running within 2 weeks! and much, much more…. Buying or Selling a Home in a Foreclosure Market Location Forest Grove Middle School Number of Weeks 3 Day of the Week TUESDAYS Starts 3/10/2008 Time 06:30-08:30 p.m. Fee for Worc Residents $80 Fee for Non-Worc Residents $95 Have you ever wished that you could buy investment property, a second home or vacation property at a reduced rate? This course is designed to educate homebuyers, home sellers and potential investors about the current status of the U.S. Housing Market, with a focus on the Massachusetts marketplace. Class participants will learn about the process of buying foreclosed properties as well as the impact of selling in a foreclosure market. The class will provide information about the comprehensive process from transactional paperwork and disclosures to financing to home inspection and appraisal of foreclosed properties. The class will include both formal presentation as well as round table discussions and will allow participants to interact and ask questions. LEASE OPTIONS, AKA RENT TO OWN REAL ESTATE INVESTING (CONTROL WITHOUT OWNERSHIP) Location Clark Street Developmental Number of Weeks 1 Day of the Week SATURDAYS Starts 3/15/2008 Time 09:00-03:00 p.m. Fee for Worc Residents $25 Fee for Non-Worc Residents $40 James Gage has been an author, investor and speaker for over 20 years, now he brings his knowledge, experience and expertise on real estate investing in this information packed course. James can teach anyone to become a leveraged real estate investor through sound leveraged real estate investing techniques on a short term basis through lease options! What you will learn : ? Control property with little or no money down. ? All the benefits of ownership without owning the property! ? Make money on properties, even if there above fair market value! ? Learn how to invest like an investor and finance like a tenant. ? Make money whether the property values go up or down! ? Learn 5 powerful techniques to make a consistent 6 figure income on a yearly basis. ? Learn how James evaluates potential investing opportunities. ? Learn how to use lease options on pre-foreclosures! and much, much more…. Women & Investing Workshop, Make It Happen! Location WORC TECHNICAL HIGH SCHOOL Number of Weeks 1 Day of the Week THURSDAYS Starts 3/27/2008 Time 06:30-09:00 p.m. Fee for Worc Residents $25 Fee for Non-Worc Residents $25 Women are taking control of their financial lives like never before. They have truly become a force to be reckoned with – in the workplace and society at large. Women today are industry leaders, small business owners and more involved investors. They are playing increasingly larger roles in the development and maintenance of their families’ financial plans. The Make It Happen! Workshop is about your financial goals – setting them, planning for them and, most importantly, realizing them. Come Make It Happen! Design your own detailed roadmap of where you are now, where you’re going and how you’re going to get there. These simple steps will help you improve the quality of your financial life! MAKING MONEY ON THE INTERNET: IT'S EASIER THAN YOU THINK! Location Clark Street Developmental Number of Weeks 1 Day of the Week SATURDAYS Starts 3/29/2008 Time 09:00-03:00 p.m. Fee for Worc Residents $25 Fee for Non-Worc Residents $40 James Gage has been an author, investor and entrepreneur for over 20 years, now he brings his knowledge, experience and expertise on the internet in this information packed course. James can teach anyone to become successful selling products, information or services on the internet. What you will learn : ? How to get started for less than $50.00 ? Information that you need to know about to take your web operation to levels you never imagined. ? Know exactly where you're going and why you should bother doing the work necessary to be successful on the Web. ? The latest strategies for high search engine rankings to bring in new business. ? Picking domain names. . . . Is yours the best one for what you do? Your name isn’t necessarily the best thing to use. ? Updating your website yourself. . . . Simple and inexpensive programs save you a fortune in time and frustration. ? How to have a $100,000.00 website for less than $150.00. . . . I did it with no web experience and so can you. ? Don’t have a product or service; we’ll help you find one ! ? Building traffic . ? The genesis of a website: from conception to completion. and much, much more…. Making the Most of Your Success: Estate Planning Strategies for Nearly Everyone Location Clark Street Developmental Number of Weeks 0 Day of the Week SATURDAYS Starts 3/29/2008 Time 09:00-11:00 p.m. Fee for Worc Residents $0 Fee for Non-Worc Residents $0 We will cover topics including: Create Legacy vision Transfer assets, coordinate estate and retirement plans Protection and estate tax issues Charitable gifting, annuities and trusts Trusts, charitable giving and leaving a large estate Estate planning process and roles. Reverse Mortgages: Making an Educated Decision Location WORC TECHNICAL HIGH SCHOOL Number of Weeks 1 Day of the Week TUESDAYS Starts 4/1/2008 Time 07:00-08:30 p.m. Fee for Worc Residents $25 Fee for Non-Worc Residents $40 Reverse Mortgages are becoming popular in America. The U.S. Department of Housing and Urban Development (HUD) created one of the first. HUD’s Reverse Mortgage is a federally-insured private loan, and it’s a safe plan that can give older Americans greater financial security. Many seniors use it to supplement Social Security, meet unexpected medical expenses, make home improvements, and more. If you are 62 years of age or older and have equity in your home, a reverse mortgage can turn that equity into monthly income for life, a lump sum of cash, a line of credit or a combination thereof. Unlike a traditional mortgage, there are no monthly payments, the proceeds are tax free and do not effect Social Security or Medicare. There are no income or credit qualifications and you retain title to your home. The desire to “Age in Place” – to remain in one’s home for as long as possible – is a personal goal consistently expressed by older Americans. The money from a reverse mortgage can provide the financial security needed to enjoy the retirement years. This class will cover the “ins and outs” of reverse mortgages and help you determine if a reverse mortgage is right for you. The latest reverse mortgage program changes and enhancements will be covered. Adult children of senior homeowners are also encouraged to attend. • What is a Reverse Mortgage and how does it work? • The U.S. Government Insured Home Equity Conversion Mortgage (HECM) • The Fannie Mae Home Keeper • The Cash Account Advantage • The “Fixed Rate” Reverse Mortgage • The Reverse Mortgage Process from start to finish • Living with a Reverse Mortgage • The differences between a Reverse Mortgage and a forward mortgage • Reverse Mortgage Alternatives • Using a Reverse Mortgage to prevent foreclosure. "PROTECT YOU ASSETS" AS YOU NAVIGATE THROUGH THE AGING PROCESS Location Forest Grove Middle School Number of Weeks 1 Day of the Week TUESDAYS Starts 4/1/2008 Time 06:30-08:30 p.m. Fee for Worc Residents $25 Fee for Non-Worc Residents $40 Are you ready for retirement? What if you, your spouse, or a family member needs Long-Term Care? Each of us experiences a financial life cycle, and each stage in the cycle has a direct impact on the problems and goals we face. From age 50 to 62+, our lives could change because of health, additional expenses, and limited income; and investment income may be used to make up any deficiency. This workshop will address those concerns and many others that are important to you, such as: understanding Medicaid and Long-Term Care; how proper planning can protect your assets; what you can do if you can’t afford long-term care insurance. Taught by a Certified Senior Advisor who has been helping families and seniors for over 30 years. FINANCIAL PLANNING FOR THE FIRST TIME HOME BUYER Location Forest Grove Middle School Number of Weeks 1 Day of the Week WEDNESDAYS Starts 4/2/2008 Time 07:00-08:30 p.m. Fee for Worc Residents $30 Fee for Non-Worc Residents $45 The following curriculum is designed for people who wish to explore the financial responsibilities of first time home buying. This class will give you a comprehensive overview to help you prepare to buy your first home. * Credit history – What is it, what effects it, and how to improve it? * How do I plan for a down payment and do I need one? * Picking the lender that is right for you, Credit Union, Bank or Mortgage Company. * Points, Points, Points – What do they mean and the effects of my payment. Is it worth it or not? * Hidden Costs – PMI, Junk Fees, Escrows, Home Inspection and more… * Lending Guidelines – Do you qualify for a mortgage? * Maintenance Costs * Rent vs. Buying * Legal Costs/Tax Benefit – Attorney Guest Presenter * What type of home can I afford? Condo, Single family or Multi Family – Realtor Guest Presenter "PROTECT YOU ASSETS" AS YOU NAVIGATE THROUGH THE AGING PROCESS Location Clark Street Developmental Number of Weeks 1 Day of the Week SATURDAYS Starts 4/5/2008 Time 10:00-12:00 p.m. Fee for Worc Residents $25 Fee for Non-Worc Residents $40 Are you ready for retirement? What if you, your spouse, or a family member needs Long-Term Care? Each of us experiences a financial life cycle, and each stage in the cycle has a direct impact on the problems and goals we face. From age 50 to 62+, our lives could change because of health, additional expenses, and limited income; and investment income may be used to make up any deficiency. This workshop will address those concerns and many others that are important to you, such as: understanding Medicaid and Long-Term Care; how proper planning can protect your assets; what you can do if you can’t afford long-term care insurance. Taught by a Certified Senior Advisor who has been helping families and seniors for over 30 years. Reverse Mortgages: Making an Educated Decision Location Clark Street Developmental Number of Weeks 1 Day of the Week SATURDAYS Starts 4/5/2008 Time 10:00-11:30 p.m. Fee for Worc Residents $25 Fee for Non-Worc Residents $40 Reverse Mortgages are becoming popular in America. The U.S. Department of Housing and Urban Development (HUD) created one of the first. HUD’s Reverse Mortgage is a federally-insured private loan, and it’s a safe plan that can give older Americans greater financial security. Many seniors use it to supplement Social Security, meet unexpected medical expenses, make home improvements, and more. If you are 62 years of age or older and have equity in your home, a reverse mortgage can turn that equity into monthly income for life, a lump sum of cash, a line of credit or a combination thereof. Unlike a traditional mortgage, there are no monthly payments, the proceeds are tax free and do not effect Social Security or Medicare. There are no income or credit qualifications and you retain title to your home. The desire to “Age in Place” – to remain in one’s home for as long as possible – is a personal goal consistently expressed by older Americans. The money from a reverse mortgage can provide the financial security needed to enjoy the retirement years. This class will cover the “ins and outs” of reverse mortgages and help you determine if a reverse mortgage is right for you. The latest reverse mortgage program changes and enhancements will be covered. Adult children of senior homeowners are also encouraged to attend. • What is a Reverse Mortgage and how does it work? • The U.S. Government Insured Home Equity Conversion Mortgage (HECM) • The Fannie Mae Home Keeper • The Cash Account Advantage • The “Fixed Rate” Reverse Mortgage • The Reverse Mortgage Process from start to finish • Living with a Reverse Mortgage • The differences between a Reverse Mortgage and a forward mortgage • Reverse Mortgage Alternatives • Using a Reverse Mortgage to prevent foreclosure. How to Buy and Finance a Home Location Forest Grove Middle School Number of Weeks 3 Day of the Week MONDAYS Starts 4/7/2008 Time 07:00-09:00 p.m. Fee for Worc Residents $45 Fee for Non-Worc Residents $60 This course is designed to provide knowledge and strategies to assist you with your most important and expensive investment. The class will analyze the home inspection process and the mortgage loan application process, which includes your own credit report. The class will cover all of the terms and conditions of financing as well as the alternatives. You will have an opportunity to ask questions of an attorney, an appraiser, a home inspector, and loan officer. FIRE YOUR MORTGAGE!: HOW TO PAY OFF YOUR 30 YEAR MORTGAGE IN 8-12 YEARS Location WORC TECHNICAL HIGH SCHOOL Number of Weeks 1 Day of the Week TUESDAYS Starts 4/8/2008 Time 07:00-08:30 p.m. Fee for Worc Residents $25 Fee for Non-Worc Residents $40 During this workshop you will discover the interest reduction solution that puts the deed of your home in your hands in a fraction of the regular time by utilizing banking strategies which have been around for decades. Pay your 30-year mortgage off 100% within 8 to 12 years, with the potential to save tens or hundreds of thousands of dollars in interest – without refinancing your existing mortgage and no alteration to your current standard of living. This is not a bi-weekly payment plan or debt roll down system. Use the bank’s money to create an interest cancellation account. It is an entirely new approach that gives homeowners flexibility with their money, the ability to become mortgage and debt free sooner and have complete financial freedom. LEVERAGED INVESTING: HOW TO BECOME RECESSIONPROOF! Location Clark Street Developmental Number of Weeks 1 Day of the Week SATURDAYS Starts 4/12/2008 Time 09:00-03:00 p.m. Fee for Worc Residents $25 Fee for Non-Worc Residents $40 James Gage has been an author, investor and speaker for over 20 years, now he brings his knowledge, experience and expertise on investing in this information packed course. James can teach anyone to become recession proof through sound leveraged investing techniques on a short term basis in the stock market! What you will learn : ? How to make 20% return on your money on a monthly basis, without risk or worry! ? Learn how to put your trading on auto pilot without being chained to your computer or telephone! ? Control stock with 10% of its’ current offer price! ? Learn how to invest like a seasoned professional. ? Make money in a up, down or sideways economy with limited risk! ? Make money with as little as $300.00 with whopping returns. ? Make money whether the stock goes up or down! ? How to discern the next Microsoft millionaire stock. ? Learn how James evaluates potential investing opportunities. and much, much more…. FIRE YOUR MORTGAGE!: HOW TO PAY OFF YOUR 30 YEAR MORTGAGE IN 8-12 YEARS Location Clark Street Developmental Number of Weeks 1 Day of the Week SATURDAYS Starts 4/12/2008 Time 10:00-11:30 p.m. Fee for Worc Residents $25 Fee for Non-Worc Residents $40 During this workshop you will discover the interest reduction solution that puts the deed of your home in your hands in a fraction of the regular time by utilizing banking strategies which have been around for decades. Pay your 30-year mortgage off 100% within 8 to 12 years, with the potential to save tens or hundreds of thousands of dollars in interest – without refinancing your existing mortgage and no alteration to your current standard of living. This is not a bi-weekly payment plan or debt roll down system. Use the bank’s money to create an interest cancellation account. It is an entirely new approach that gives homeowners flexibility with their money, the ability to become mortgage and debt free sooner and have complete financial freedom. Women & Investing Workshop, Make It Happen! Location WORC TECHNICAL HIGH SCHOOL Number of Weeks 1 Day of the Week THURSDAY Starts 4/17/2008 Time 06:30-09:00 p.m. Fee for Worc Residents $25 Fee for Non-Worc Residents $25 Women are taking control of their financial lives like never before. They have truly become a force to be reckoned with – in the workplace and society at large. Women today are industry leaders, small business owners and more involved investors. They are playing increasingly larger roles in the development and maintenance of their families’ financial plans. The Make It Happen! Workshop is about your financial goals – setting them, planning for them and, most importantly, realizing them. Come Make It Happen! Design your own detailed roadmap of where you are now, where you’re going and how you’re going to get there. These simple steps will help you improve the quality of your financial life! © 2008 Worcester Public Schools. All Rights Reserved. 20 Irving Street, Worcester, MA 01609-2493 Designed and modified by Mohammed Siddiqui This page was last modified on 6/18/2008