Personal Finances   

Buying your first house can seem a little overwhelming. This seminar will provide the basic information a consumer needs to buy a house, with special attention given to the first time buyer. The complete process will be covered, including getting (and staying) pre-approved for a loan, searching for the right house, negotiating a contract, earnest money, inspections, appraisals, disclosures, and closing on the house.

Whether you are thinking about downsizing or just looking for a change of address, this seminar will provide the basic information needed to sell your current house. Topics covered: the best and worse times to sell, understanding the market, determining a reasonable listing price, advertising, disclosures, showings, negotiating a contract, inspections, appraisals, problems that may arise, and closing on the house.

Are you getting the best possible value from an insurance company? Will that company honor a claim? How do you get a great price when there are so many insurance terms to understand? Do you have too much or too little coverage? Why does your credit matter? Shopping insurance should be an annual event to insure you are getting proper coverage from a solid company at a reasonable price. The insurance market is volatile and becoming a savvy shopper will help you understand your policy and put you in the driver's seat when shopping for auto, home, or renters quotes.

Get introduced to the vast world of investing and unravel its inner workings. Explore common types of investments and accounts and discover your best investment options. Get your specific questions answered during this interactive and engaging session. Retirement accounts and traditional non-retirement investments will be discussed.

If you have group life insurance through work, is that enough to protect your family? How much is too much and is the group cost actually priced better than an individual plan you could get from the internet or your local agent? Learn the most common types of life insurance and what is best for your specific need. In this course you will see how life insurance can help with retirement planning and identify which companies will be there decades from now when you have a claim. Learning the basics of life insurance will make you a knowledgeable and savvy consumer. You will learn the importance of an accurate illustration and how expensive life insurance can or cannot be.