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The Intelligent Investor

Financial planning is the greatest expression of love for yourself and your family. Reduce stress

and add to the quality of your life by exploring the investment experience of three of the most

successful investment managers ever, Benjamin Graham, Warren Buffett, and Peter Lynch.
A
TION

Students will learn basic investment definitions and concepts including: Stock selection, P/E
ratio, ROE, P/E growth, dividend yield, and total return calculations.

SECTION DAY TIME ROOM FEE INSTRUCTOR

13-2001 Sat, Sept 13 9:00am-12:00pm 5 $25 Alm
Y EDUC

13-2002 Sat, Nov 8 9:00am-12:00pm 5 $25 Alm

How to Create Real Estate Wealth by Buying Out of State

How to buy Pre-foreclosure properties, Short Sales and REO Bank and Savings & Loan

Foreclosures in the best locations in the US for appreciation and cash flow. Location, location,
location. Where to buy for the most desirable investment property, vacation and second homes

near vacation resorts, beaches, lakes and mountains and much more.
C
OMMUNIT

SECTION DAY TIME ROOM FEE INSTRUCTOR

11-7050 Mon, Sept 22 6:00pm-10:00pm 5 $39/Single, $59/Couple Yee

Remodel without Remorse—Back by Popular Demand

Homeowners! Save Up to Thousands of Dollars —Before You Begin Your Project

Learn the SIX guiding steps to a successful home remodel. Learn the basics of design and
construction, budget setting, hiring the right team, and monitoring the progress of work. Elaine

Schultz brings
$
over 30 years of experience in working with/for architects, engineers, contractors,

homeowners and will help you navigate the maze of your home remodel. Optional workbook

available in class for $20.

SECTION DAY TIME ROOM FEE INSTRUCTOR
13-0810 Sat, Sept 27 9:00am-12:00pm 5 $49/single, $89/couple Schultz

Home Buying and Home Building

Imagine how different your life would be if you had no rent or mortgage payments to make!

Build your dream house and own it free and clear in five years. The presenter built his dream

house in Marin County and saved a bundle. In this inspirational seminar, learn how to buy
land and building material inexpensively, live on your land rent-free while you build and more.

Material fee of $20 payable to the instructor, David Cook. For more information, please visit ■
www.buildyourdreamhouse.com.

SECTION DAY TIME ROOM FEE INSTRUCTOR

11-0101 Wed, Oct 8 6:30pm-9:30pm V-I $33 Cook

How to Manage Your Mortgage

You need savvy borrowing strategies these days as a homeowner to refinance or buy a new home.
Learn how to negotiate with your bank or mortgage broker to get the lowest rate and the best

terms. Avoid unnecessary fees, prepayment penalties, and points. ■
SECTION DAY TIME ROOM FEE INSTRUCTOR ■
11-2660 Mon, Oct 13 7:00pm-9:00pm V-I $25 Wardly

The Top Ten Mistakes to Avoid When Buying a Home

Buying a home can be an exciting experience. Unfortunately, most buyers make five or more

critical mistakes when purchasing a home. Learn from those in the know about real estate
and how to avoid these common mistakes. Learn about pre-approval, pre-qualification, termite

inspections, home inspections, and traits to look for in the person who represents you. We will ■
explore the four L’s in real estate, the current market and much more.

SECTION DAY TIME ROOM FEE INSTRUCTOR

11-2811 Wed, Oct 8 6:00-8:00pm 4 $15 Schwab
11-2812 Wed, Nov 19 6:00-8:00pm 4 $15 Schwab

The Five Best Ways to Stop Paying Your Landlord’s Rent

Home ownership has reached a record level (67%) in the United States. Those in the know about

real estate will discuss numerous government and conventional loan programs that allow buyers

with low down payments to have their piece of the “American Dream.” We will also discuss

qualifying for a home loan.

SECTION DAY TIME ROOM FEE INSTRUCTOR
11-2601 Wed, Sept 10 6:00pm-8:00pm 4 $15 Schwab

11-2602 Wed, Nov 5 6:00pm-8:00pm 4 $15 Schwab

Estate Planning Isn’t Just for the Very Rich—See page 31


See pages 46-47 for registration form/information
■ 
High School GED registration see pages 27-28

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