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Personal Finance: Save Money, Invest Wisely (9-Week Online Course) at KSURF Virtual University
After a decade of stellar performance, followed by a sudden massive decline in stock prices, and then another stellar rise in recent months, the stock market has become an unpredictable and risky proposition.
This fact-filled course offered by KSURF Virtual University explores high and low-risk alternatives for saving and investing wisely. In-depth lessons delve into the pros and cons of conventional savings accounts, CDs, money market accounts, bonds, mutual funds, and other popular investment strategies. Practical tips for saving money and how to establish long-term savings goals will also be explored. Take the first step to achieving financial security and independence in this intensive workshop. Tuition $15. Earn 2 CEUs.
Upon successful completion of the course, you should be able to:
• Locate low-risk investments and chart a course through the erratic market gyrations currently in play on Wall Street and around the world
• Identify popular investment alternatives to traditional equity stocks
• See why "diversification" is so important to any investor's portfolio
• Understand the differences between savings accounts, NOW accounts, money market accounts, and other bank deposit products
• Distinguish between FDIC-insured products such as checking and savings accounts and CDs, and uninsured products such as mutual funds and annuities
• Gain a thorough understanding of how FDIC insurance works and the limits on various types of accounts
• Know why terms like Annual Percentage Yield, compounding interest and tiered rates are important to your bottom line
• Gain valuable insights into Certificates of Deposit, how they work, pros and cons, and whether they are right for you
• Determine which investment products are right for you based on your desired level of return and risk-tolerance
• Recognize the difference between Series EE, HH and I government savings bonds, and the pros and cons of owning them
• Discover how Treasury Bills, Notes, and Bonds can provide a safe haven for principal you can't afford to lose
• Know how to buy Treasury Securities and how to track your holdings
• Understand how Zero Coupon Treasury Securities and STRIPS work
• Effectively research municipal bond yields, market risk, taxable munis, and bonds with special features
• Know the "lingo" of municipal bonds and what is meant by commonly used terms such as redemption, non-callable bonds, original issue discount, par value, premium, swaps, and yield to call
• Find and use online tools to research the ratings and risk-reward levels for any municipal bond
• Learn more about hybrid munis, including tax-exempt mutual bond funds, zero coupon municipal bonds, Unit Investment Trusts, Daily Investment Funds, and Industrial Revenue Bonds
• Gain a glimpse inside the world of always popular, usually lucrative, but highly risky Real Estate Investments trusts or REITs
• Learn how mutual funds operate, and why they may be an attractive addition to your portfolio
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Instructor Chuck Weinstein, CLU, ChFC, LUTCF, has been a financial advisor since 1984. Working with individuals and businesses, he has designed retirement and estate plans involving insurance and investment products for a wide variety of people. He is licensed to sell all types of insurance and securities products in New York and California. He has been a trainer of insurance agents for over 15 years and has taught university courses for the general public on personal financial planning and business continuation planning.
Enrollments begin in July and continue throughout the year. Unlike a traditional class, there is no waiting for classes to begin- students can enroll and start learning the same day and students can work at their own pace in their spare time from the comfort of their home or office. Tuition is $15 and includes 2 CEU credits, no textbook purchase is required. Further details about this course and how to enroll online can be found by visiting http://ksurf.net/vu/catalog/450.html
About KSURF -Where Knowledge Surfers Learn
KSURF is a unique online learning community offering a hundred fun and low-cost continuing education courses for Baby Boomers and young adults combined with popular social networking features such as user profiles and blogs. To see our current course calendar visit http://vu.ksurf.net/calendar.html
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