Do you think you can’t afford to buy a home in today’s real estate market? If so, then you can’t afford to miss this three part comprehensive seminar on how to buy, sell, and finance your home in today’s economy! In just three 2 hour sessions, you will learn all of the fundamentals of home financing, mortgage options, and the legalities of buying and selling a home. In the first session, you will be exposed to the important role of the realtor and you will understand how valuable that expertise is during the purchasing and/or selling process. The focus of the second evening will be financing. There is mortgage money available; you just have to know where to look and how to access these financial resources. The third component of this three part seminar concentrates on the legalities of real estate transactions. There are legal concerns if you are selling a house and there are responsibilities in the law if you are buying one. An experienced attorney will provide this instruction. Take this seminar and become an educated consumer in the modern real estate market.

Room: 210 • Nelson Zide • Tuition: $59

Nelson Zide is a real estate expert having worked in the local real estate business for over 30 years. Nelson is the founder of ERA Key Realty Services. Nelson will solicit the services of Attorney Neil Cohen, an experienced real estate lawyer in the Metro West area who will provide the legal expertise. Allan Kessler, a long time mortgage broker in the area, will be asked to provide expertise on real estate financing and review the many products available.

NEW CLASS! This course will help you understand the basics of investing. We will discuss the difference between CDs, stocks, bonds, and mutual funds and the historical returns of each asset class. We explore the difference between growth and value, balanced and blend, mutual funds. We will cover the impact of taxes and inflation in relation to investment choices. We investigate how dollar cost averaging and diversification can help your portfolio and the role of asset allocation in your investments. We will also look at the difference between 401(k)s, Roth IRAs and Traditional IRAs, and other retirement plans.

Room: 216 • Ralph Viscione • Tuition: $39

Ralph Viscione is a financial planner for Baystate Financial Services and graduate of the Merrimack College financial planning program. Ralph is a member of the Financial Planning Association of Massachusetts and a former CEO of a mid sized manufacturing company.