Business
& Finance
G024
ABC’s of Investing
No matter what your age, financial
situation, or goals, you need to know
about the power of investing. Learn
about the stock market and other forms
of ownership and loanership investments.
Besides the basics of finances, we
will cover retirement planning, reasons
why people fail to meet their investment
goals, ideas to help you avoid common
pitfalls, and rules every investor
should know and follow. We will also
cover the advantages and disadvantages
of the types of investments available
today - from certificates of deposit
to annuities. An $8 materials
fee is payable to the instructor at
the first class.
Darryl Zebrowski
Foran HS Room 309
Tuesday/Apr.1,8,22,29/6:30-8:30p.m.
$44
Darryl
Zebrowski has over 20 years
experience in retirement planning.
He has earned his series 7, 63, 24
licenses, is an LUTC fellow and is
currently studying to obtain his A.A.M.S.
deisgnation.
G025
Appraisal I - Real Estate
This informative course is designed
to provide a basic understanding of
appraisal concepts and the appraisal
business. The course meets the minimum
standards as set forth by the Connecticut
Appraisal Commission. Completion qualifies
the student for 30 hours of appraisal
education toward their provisional
appraisal license. Cost of text is
extra. Six weeks.
Gateway Real Estate Academy
Foran HS Room 338
Tuesday & Thursday/6:00-9:00p.m.
$225
G026
Bookkeeping for the Small Business
Whether you are making a product or
providing a service, you need to know
if you are making a profit. This course
has been designed to help you keep
your books. You will learn basic accounting
relationships and how to set up a
chart of accounts pertinent to your
business. You will also learn how
to prepare a balance sheet and a profit
and loss statement, two necessary
documents when seeking additional
loan or investment dollars.
Five weeks.
Stephen Pjura, B.A., M.A.
Law HS Room 126
Monday/7:00-9:00p.m.
$49
Visit
us at our website:
www.milforded.org/adult_education
G027 Caring for Your Aging Parent
NEW. This class is
for the aged caregiver and/or their
adult children to explore the many
options of living gracefully at home.
The focus will be on current trends
and costs of various levels of care,
and determining which level is appropriate.
Also included is Life Planning to
ensure that the elderly person does
not disengage from their environment
and lapse into depression. We will
cover the normal aging process, techniques
to maintain one’s sanity while
providing care and comfort, as well
as how to select agencies and providers
if needed.
Carol Schaffer
Law HS Room 128
Wednesday/Apr.23,30/7:00-9:00p.m.
$29
G028
The Domestic Partner Class
This course is specifically designed
to meet the various needs of domestic
partners on such issues as legalities,
wealth ownership, estate planning
and health care. You will learn your
rights and options through Connecticut’s
“new” Civil Union Act,
tax consequences for transfers while
alive and upon death, trends and setbacks,
necessities for your estate plan and
your partnership (cohabitation) agreement,
how not to disinherit your loved ones
with your estate plan, and more.
Vincent A. Liberti, Jr., Esq.
Foran HS Room 307
Thursday/May 1/7:00-9:00p.m.
$24
Vincent
A. Liberti, Jr. is an Estate-Planning
and Elder Law attorney from the Liberti
Law Firm, LLC in Orange. At present,
he is a candidate for LL.M. (Masters
of Law) in Estate Planning and Elder
Law.
G029
Don’t Die with Your Assets -
The Title XIX Class
This course is designed to address
Title 19 issues not only for potential
applicants, but also for concerned
family members. We will cover the
new Title 19 (Medicaid) law, the key
to being eligible and still protect
your assets, how to protect your home,
and why you might need to change your
estate plan. You will also learn your
options with long-term care insurance
and how it also saves your assets
and the difference between disqualifying
“transfers” and permisseve
“spending.”
Vincent A. Liberti, Jr., Esq.
Foran HS Room 307
Thursday/Apr.24/7:00-9:00p.m.
$24
G030
Do You Know Your PRIQ
NEW. Do you know
what “public relations”
is? The term Public Relations was
first used by President Thomas Jefferson
during his address to Congress in
1807. Dictionary.com defines it as
the art, technique or profession of
promoting such goodwill. This class
will teach you the basic “how
to’s” for effective public
relations strategies. Perfect for
business owners or “wannabe”
entrepreneurs. Students should visit
www.priscopr.com and e-mail their
resumes and background at least 2
weeks before class. Eight
weeks.
Priscilla Lynn
Foran HS Room 330
Thursday/6:30-8:30p.m.
$69
Priscilla
Lynn has been a public relations
and marketing consultant for 18 years,
eleven of these in the U.S. Virgin
Islands. She is a founding member
and chairperson of the Trumbull Arts
Festival & Arts Council and founding
chairperson of the Milford Chamber
of Commerce “Health and Wellness
Council.”
G031 Estate Planning
An exciting two-session course where
you will discover how to plan and
protect your estate. Learn about wills,
trusts, and other estate planning
techniques. Find out what documents
are needed to help you protect your
assets.
William P. Farrell, Sr.
Foran HS Room 309
Monday/Feb.25,Mar.3/7:00-9:00p.m.
$29
William
P. Farrell, Sr. has over
twenty years experience in finance
and investing. He currently works
as a Senior Financial Advisor and
Vice-President for Wachovia Securities
and he is a registered representative
of NASDAQ and NYSE.
G032
Find Your Ideal Career
Are you one of the millions of people
who work at jobs they hate? This course
can help you figure out what’s
next for you. Do you wonder what you
want to do with the rest of your life,
or what your passions are and how
they can lead you into your future?
Focus on identifying your values and
bring clarity to what success means
to you as we analyze your current
position, skills and strengths and
learn how to use your past experiences
in your new career. Whether you hate
your job, lost your job or are returning
to the work force, this course will
help you use your talents on something
you believe in. Six weeks.
Maureen Cullen
Foran HS Room 339
Monday/7:00-8:30p.m.
$64
Maureen
Cullen has over twenty years
experience as a Human Resources Director
and is certified as a Professional
in HR from the Society for Human Resource
Management. She is a licensed Third
Age Coach and an Associate Certified
Career Coach, is a member of the International
Coaches Federation and is on the Board
of Directors of the Connecticut Chapter.
G033
Fixed Income Investing
Come learn the difference between
“saving” and “investing.”
This program will cover the basics
of fixed income investments including
CD’s and bonds. You will learn
about interest rates and their impact
on you, the individual investor. Understand
how to build a “laddered portfolio”
and establish a monthly income from
these investments. Identify the risks
of investing long term money at the
short term interest rates. Learn the
three most common mistakes associated
with CD investing.
Hannah Smith
Law HS Room 103
Wednesday/Feb.27/7:00-8:30p.m.
$24
Hannah
Smith graduated from UConn
in 1993. She opened an Edward Jones
Investments branch in Milford in 1999.
She has earned her Series 7, 63, 24
and Life licenses and is currently
studying to obtain her CFP designation.
She specializes in retirement planning.
Do you know
someone who is
having difficulty speaking English?
Tell him/her about our English As
A Second Language courses!
783-3461
G034 Get Started in Freelance Writing
NEW. Have you always
wanted to be a writer? Learn how to
get started. It’s not as hard
as you may think. We will discuss
how to select a magazine to get published
in and the steps you need to take
to get your article published. Eight
weeks.
Heidi Loiseau, Ed.D
Law HS Room 105
Monday/6:30-8:30p.m.
$69
Heidi
Loiseau has a Master’s
and a doctorate in education and has
been a college educator for more than
ten years. She is passionate about
home schooling and enjoyed home schooling
her son when she had the opportunity
to do it. She is also a freelance
writer, artist, and avid camper.
G035
Getting Paid to Talk: Voice-An Introduction
to Voice Acting
Have you ever been told you have a
great voice? This exciting class will
explore numerous aspects of voice
over work for television, film, radio,
audio books, documentaries and the
internet. We will cover all the basics,
from preparing the demo to how to
succeed in this field. Students will
hear examples of demos recorded by
professional voice actors and will
have a chance to record a commercial
script directed by our Voicecoaches.com
producer! Limit: 25 students.
Heather Kay
Creative Voice Development Group
Law HS Room 103
Wednesday/Mar.26/6:30-9:00p.m.
$24
G036
Giving to Charity Without Reducing
Your Estate
NEW. Learn some uncommon
ways to help a favorite charity without
depleting assets, now or in the future.
We will cover charitable retirement
accounts, donation replacement and
leveraging foundation gifting - simple
programs you can implement without
incurring set-up expenses. This informative
class will give you some creative
ideas on giving.
Bruce F. Carter
Law HS Room 126
Wednesday/Mar.5/6:30-8:30p.m.
$24
G037
How to Pick Good Stocks
Learn what the pros look for when
investing. All levels of investors
are welcome in this one-night seminar.
Topics include fundamentals, technicals,
moving averages, market cycles, P/E
ratios and basic rules. You should
leave this course with a better understanding
of what to buy and why to buy it.
William Farrell, Sr.
Foran HS Room 309
Monday/Mar.10/7:00-9:00p.m.
$24
G038
Improving Relationships at Home and
at Work
NEW. This course
will help you discover self-evaluation,
practice self-regulation, understand
whose behavior they can control, improve
their communications skills, and learn
the art of emotional intelligence.
It will help students improve relationships
at home and at work through dialogue
instead of diatribe, and teach them
how to diffuse situations that appear
to be out of control. Six
weeks.
Monica A. Foran
Foran HS Room 329
Wednesday/6:30-8:30p.m.
$54
Monica
Foran has her Masters in
Leadership and Liberal Studies. She
is a member of the Board of Directors
of the Literacy Center of Milford,
and member of the Milford Chamber
of Commerce Education Committee. She
is currently writing a book on the
life and legacy Joseph A. Foran, and
has written PowerPoint seminars on
How to Become a Good Board Member,
Leadership: Learned, Not Born, and
others.
G039
Interview Skills
In this dynamic course you will learn
interview techniques that really work!
Learn how to distinguish yourself
as a great candidate as opposed to
a good candidate. Learn how to answer
those “tough” interview
questions. Feel free to bring your
resume. All job seekers welcome.
Deborah Lemmon
Law HS Room 102
Wednesday/Feb.27/7:00-9:00p.m.
$24
G040
Marketing A Small Business
This course explores various methods
of advertising/marketing available
to small concerns. We will also investigate
ways to establish a price for a product
or service when existing market expansion
or new market penetration is desired.
In addition, we will review the essentials
of a marketing plan as it relates
to a business plan. Five weeks.
Stephen Pjura, B.A., M.A.
Law HS Room 126
Tuesday/7:00-9:00p.m.
$49
G041
Real Estate Practices & Principles
This informative course is designed
to provide a basic understanding of
real estate concepts and the real
estate business. The course meets
the minimum standards as set forth
by the Connecticut Real Estate Commission.
Completion qualifies the student for
application for the State Real Estate
Exam to obtain a salesman’s
license. Cost of text is extra. Eleven
weeks.
Gateway Real Estate Academy
Foran HS Room 338
Monday & Wednesday/6:30-9:30p.m.
$450
G042
Reduce Your Taxes & Increase Your
Income
Would you like to reduce your tax
bill? This workshop will show you
how to increase your income and share
less of it with Uncle Sam. Identify
the three most common mistakes in
investing. Understand which investments
empower you to reduce, defer or avoid
taxes. You will learn how to use municipal
bonds, annuities, stocks and IRA’s
to your advantage.
Hannah Smith
Law HS Room 103
Wednesday/Mar.12/7:00-8:30p.m.
$24
G043
Reverse Mortgages
This informative class will tell you
what you want to know about reverse
mortgages. Who is eligible? Will anyone
take my house? Who owns it? Can I
sell it if I want to? When is the
money due to the bank? Will there
be anything left for my children?
Join us and learn the answers to these
questions and much more.
Louis P. Baccash
Law HS Room 101
Wednesday/Mar.12,19/7:00-9:00p.m.
$29
G044
The Road to Long Term Care
Two in five Americans will need long
term custodial care. Learn how to
maintain your independence and choice
of care as you age, as well as protect
your nest egg and still obtain the
care you need. Connecticut’s
special program can help you protect
yourself, your family and your assets
with LTC Insurance. We will cover
eligibility, when and how to get started
and what programs are available to
you. There will also be a guest speaker.
Medicare and Title 19 will be among
the topics covered. Our program will
help you understand how to take care
of Mom and Dad with dignity.
Hannah Smith
Law HS Room 103
Wednesday/Mar.19/7:00-8:30p.m.
$24
G045
The “Sandwich Generation”
NEW. This long-term
care seminar dispels common misconceptions,
such as “It will never happen
to me” and “Medicare will
pay for it.” The peril of relying
on family members for care is also
examined. Learn the changing laws
that affect your wealth, especially
the new Medicaid law, how changing
circumstances in your lives and your
parents’ lives affects your
estate needs, and various options
for protecting assets.
Vincent A. Liberti, Jr., Esq.
Foran HS Room 307
Thursday/May 8/7:00-9:00p.m.
$24
G046
Seven Steps to Write and Sell Your
e-Book
NEW. Thinking about
writing a non-fiction or self-help
book? This class will get you started
with a bang! Learn the seven steps
to writing your book quickly and basic
tips for selling it on the web or
self-publishing. From “How-To”
tips booklets to a 300 page guidebook,
the process is exactly the same. Becoming
an author improves your credibility,
sets you up as an expert, works as
a great marketing tool and generates
passive income. This exciting program
will simplify the writing process,
give you important sales techniques,
provide insights to alleviate fears
and get you inspired! Limit: 25 students.
Ronnie Ann Ryan
Foran HS Room 307
Wednesday/Apr.2/7:00-9:00p.m.
$24
Ronnie
Ann Ryan spent over 20 years
in marketing for Fortune 500 companies
and more than 15 years studying and
teaching personal development. Her
programs have proven to be very effective
and her presentations are delivered
in a style that is interactive, humorous
and compassionate.
G047
Six Steps to a Winning Business
NEW. This informative
class will review the six steps that
every business goes through until
it reaches the point where the owner
enjoys the benefits of the business
as an investment that requires no
time vs. working in the business.
We will cover how to work ON your
business instead of IN your business,
how to take immediate control of time
spent at your business, how to get
back thousands of dollars in lost
profits and much more.
Robert C. Kademian, Lisa J. Moyles
Law HS Room 102
Tuesday/Feb.26/6:30-9:00p.m.
-OR-
Foran HS Room 319
Monday/Mar.3/6:30-9:00
$24
G048
Starting a Business
Before you invest any time or money
into starting a business, it would
be prudent to find out just what you
should know. This course will help
you learn about the world of small
businesses and features guest speakers.
Topics to be discussed include types
of businesses, legal considerations,
taxes, accounting, banking, insurance,
budgeting and planning. Seven
weeks.
Stephen Pjura, B.A., M.A.
Law HS Room 126
Thursday/7:00-9:00p.m.
$54
G049
Unraveling the Mystery of the College
Financial Aid Process
Are you worried about paying for college?
With the average private college costing
in excess of $30,000 a year, most
families are. Learn what FAFSA, PROFILE
and EFC stand for and why they are
important. Get answers to all your
questions regarding your chances of
receiving financial aid. Come to this
class and see the mysteries of the
financial aid process unraveled by
an expert on college financing.
James Maroney
Law HS Room 103
Tuesday/Mar.4/7:00-9:00p.m.
Free
G050
What You Should Know About Mutual
Funds
Learn about total costs, rating systems,
overall performance, open-end vs.
closed-end funds, and managed money
accounts. Learn how to use this new
knowledge to build and balance your
portfolio.
William P. Farrell, Sr.
Foran HS Room 309
Monday/Mar.17/7:00-9:00p.m.
$24
G051
Women and Investing (Formerly: Smart
Women Finish Rich)
Ever wonder why so many women end
up broke? Years spent out of the work
force and longer life expectancy impact
women’s long-term financial
security. Don’t wait until you
are in a time of crisis to make critical
financial decisions. This workshop,
for women of all ages, will help you
identify and overcome financial risks
women face. Learn to control your
finances and map out a plan for your
future based on what you care about
most.
Hannah Smith
Law HS Room 103
Wednesday/Apr.2/7:00-9:00p.m.
$24
Celebrate
Life . . . Be a Mentor
Bridges . . . A Community Support
System, Inc. invites you to volunteer
in the Bridges Across Ages Program.
If you are a caring adult, 45 years
of age or older, and can spare 2 hours
a week working one-to-one with students
in the Milford Public Schools, we
need you. Training will be provided.
Contact Lora or Lisa at 878-6365 ext.
331.
G052
Your Identity Could Be Stolen in the
Next 4 Seconds, Are You Prepared?
“Thieves are stealing identities
at a rate of one every 4 seconds.”
Learn how to protect yourself from
being that ONE. Identity theft is
a growing problem that isn’t
going away and we need to know what
steps to take to protect ourselves
and our families now and in the future.
Richard Forzano/Amy Horrocks
Law HS Room 102
Tuesday/Mar.18/7:00-8:30p.m.
$24
Rich
Forzano founded Independent
Financial Consulting (IFC) of Milford,
CT in 1992. He holds a degree in accounting
from St. John’s University and
his graduate studies were done at
Baruch College with concentration
in finance. Rich has more than 20
years experience in the financial
services industry during which he
has earned his series 7, 63, 24, 51
and life insurance licenses.
Amy
Horrocks, VP Financial Analysis,
joined IFC in 2003 after earning her
BS Degree in Finance from UCONN. Amy
also studied in London, England and
at Quinnipiac University School of
Law. She currently holds her series
7, 66, and life insurance licenses.
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