Personal Enrichment   

Course includes skill training for certification in adult and child CPR and AED.

On a clear night, one can see literally thousands of stars, but what are we really looking at? Join others as you learn many interesting things about our sun, the planets, the stars, and the countless fascinating objects in our immense Universe. Everyone will have at least two opportunities to observe celestial objects through powerful telescopes. You will see Jupiter and four of its moons, star clusters, nebulae, and galaxies millions of light years away! The two observing nights will take place at the Wahnsiedler Observatory located just 40 minutes away near Lynnville, Indiana. Scott Conner, past 17-year president of the Evansville Astronomical Society and winner of the Astronomical League’s Hans Baldauf Award and Master Outreach Award, will guide you in this exploration of the universe! .
Must be 18 to register.

Have you ever wanted to learn how to throw clay on the potter’s wheel?!  Now’s your chance! Art Professor Al Holen will walk you through the process of centering, opening, pulling, trimming, and adorning clay into personal, creative ceramic pieces. This five day course will culminate in a day of firing both a primitive pit kiln and raku kilns! 

• No experience necessary. 
• All participants must be over 18yrs.
• All participants must wear closed toe shoes to all classes.

Preparing for retirement is probably the single most important concern most people have today. Costs are rising, the future of Social Security is uncertain and many people have not accumulated the savings they will need to enjoy the retirement lifestyle they deserve. Are you on track for enjoying the retirement of your dreams, or do you need to improve your knowledge and acquire the know-how it takes to manage your money wisely and to pursue your retirement goals? Join investment professionals for this introduction to the concepts and practices that will help make your retirement comfortable and free from money worries. You’ll learn how much money you need to retire, how to draw income from your retirement accounts, managing taxes, investing, estate planning and much more. For those already retired or planning to retire in the next 10 years, the seminar takes a conservative approach to wise money management in addition to identifying lifestyle issues facing mature Americans. An in-depth workbook with valuable exercises and worksheets is included.

Your enrollment fee entitles you to:
• Over eight class hours (three sessions) with a licensed financial services professional
• A 120-page workbook to assist you with concepts and to use as a reference tool
• A private, confidential consultation with the instructor to review your goals, analyze your investments and answer your questions regarding one of the most important planning stages in your life.

Session 1
• Obstacles to a successful retirement
• What does your retirement mean to you?
• How much will retirement cost
• Considering your sources of income
• Basic Social Security information, including taxation

Session 2
• Distributions from your investment/retirement accounts
• Required minimum distributions
• Education regarding investments (stocks, bonds, annuities, mutual funds)
• Education regarding types of accounts (IRAs, employer plans, 529s, UTMAs, etc.)
• How will your retirement income be taxed?

Session 3
• Managing your estate (assets, beneficiaries, trusts, taxes, probate, wills, intestacy)
• How to protect your wealth and health
• Education regarding insurance (life, health, long-term care, disability, liability, etc.)
• Planning for incapacity
• How the SECURE Act 2.0 affects retirement plans
• Qualified charitable distributions

Preparing for retirement is probably the single most important concern most people have today. Costs are rising, the future of Social Security is uncertain and many people have not accumulated the savings they will need to enjoy the retirement lifestyle they deserve. Are you on track for enjoying the retirement of your dreams, or do you need to improve your knowledge and acquire the know-how it takes to manage your money wisely and to pursue your retirement goals? Join investment professionals for this introduction to the concepts and practices that will help make your retirement comfortable and free from money worries. You’ll learn how much money you need to retire, how to draw income from your retirement accounts, managing taxes, investing, estate planning and much more. For those already retired or planning to retire in the next 10 years, the seminar takes a conservative approach to wise money management in addition to identifying lifestyle issues facing mature Americans. An in-depth workbook with valuable exercises and worksheets is included.

Your enrollment fee entitles you to:
• Over eight class hours (three sessions) with a licensed financial services professional
• A 120-page workbook to assist you with concepts and to use as a reference tool
• A private, confidential consultation with the instructor to review your goals, analyze your investments and answer your questions regarding one of the most important planning stages in your life.

Session 1
• Obstacles to a successful retirement
• What does your retirement mean to you?
• How much will retirement cost
• Considering your sources of income
• Basic Social Security information, including taxation

Session 2
• Distributions from your investment/retirement accounts
• Required minimum distributions
• Education regarding investments (stocks, bonds, annuities, mutual funds)
• Education regarding types of accounts (IRAs, employer plans, 529s, UTMAs, etc.)
• How will your retirement income be taxed?

Session 3
• Managing your estate (assets, beneficiaries, trusts, taxes, probate, wills, intestacy)
• How to protect your wealth and health
• Education regarding insurance (life, health, long-term care, disability, liability, etc.)
• Planning for incapacity
• How the SECURE Act 2.0 affects retirement plans
• Qualified charitable distributions

SOCIAL SECURITY PLANNING: WHAT EVERYONE NEEDS TO KNOW
After being told for years that Social Security is going broke, people are realizing it will soon be their turn to collect. Decisions you make now can have a tremendous impact on the total amount of benefits you stand to receive over your lifetime. This informative seminar covers the basics of Social Security and reveals strategies for maximizing your benefits including:

Factors to consider when deciding when to apply for benefits
• When it makes sense to delay benefits—and when it does not
• Why you should always check your earnings record for accuracy
• How to estimate your benefits
• How to coordinate benefits with your spouse
• How to minimize taxes on Social Security benefits
• How to coordinate Social Security with your other sources of retirement income

Your enrollment fee entitles you to:
• Over one and a half hours of class time (one session) with a licensed financial services professional
• A six-page resource handout with tips and tricks regarding Social Security
• The option of a private, confidential meeting with the instructor 

Class Curriculum
• Will Social Security be there for me?
• How much can I expect to receive?
• When should I apply for Social Security?
• How can I maximize my benefits?
• How will my benefits be affected by taxes?
• Will Social Security be enough to live on in retirement?