Social Security likely will be the foundation of your retirement income. Before you retire, it’s important to understand your options with social security and the impact your decisions have on your retirement. We’ll discuss how social security fits into your retirement income plan, when you should start taking benefits, and tax considerations. All fees are to help cover MMRACE’s expenses. Limit 20 students.

This class is for those who are new to investing or would like a strategy refresher. We will discuss basic rules of investing - how to develop a plan, how to choose quality investments, how to diversify your portfolio, and most importantly how to invest for the long term, and focus on the things that YOU can control. All fees are to help cover MMRACE’s expenses. Limit 12 students.

Learn the difference between a Last Will and Testament and a Trust. Learn what a Last Will and Testament does that a Trust does not do, and what a Trust does that a Last Will and Testament cannot do. Also learn how to pass your assets outside of the probate process. Attorney Nale will be available after class to answer any questions as well. All fees are to help cover MMRACE’s expenses. Limit 15 students.

This is an educational program for people who are nearing retirement age (55+) who have questions about how Social Security actually works. The 15-minute presentation will help you answer these questions. How does Social Security fit into your retirement income plan? When should you start taking benefits? What about taxes? There will be a question and answer session at the end of the presentation. All fees are to help cover MMRACE’s expenses. Limit 12 students.

Learn the difference between a Last Will and Testament and a Trust. Learn what a Last Will and Testament does that a Trust does not do, and what a Trust does that a Last Will and Testament cannot do. Also learn how to pass your assets outside of the probate process. Attorney Nale will be available after class to answer any questions as well. All fees are to help cover MMRACE’s expenses. Limit 15 students.

This workshop will help you decide if self-employment is the right choice for you. The class covers the pros and cons of owning your own business, the steps needed for start-up, the major elements of a business plan, and the many resources available to help you succeed. Limit 20 students.

Buying your first house is truly a big deal!  In this 8-hour, in person class we will cover everything you need to know about the home buying process and owning the home afterwards.  You will learn the steps involved in buying, how to set goals, and prepare for homeownership, explore loan products and credit, protect and grow your investment, and how to avoid being ripped off.  A Homebuyers Education Certificate can help you access down payment assistance or mortgage products that require HUD-certified homebuyers education - and it is good for TWO years.  Register at midmaine.maineadulted.org and registration receipt email will give you the link you need to register at KVCAP registration site to finish the registration process - the KVCAP fee is $30 per person.  Each person must register separately.  Limit 24 students.

Register here: http://reg.planetReg.com/E639372710138

Whether you are newly eligible for Medicare or have been enrolled for years, this class has something for everyone. This class will help you gain information on how to obtain Medicare, when you are eligible, and many other important topics. We will also discuss supplemental insurance that can be purchased to compliment original Medicare. There are many different products and carriers available therefore it is so important to become educated about the options you can choose. Medicare has various enrollment periods, which give you the opportunity to change your policy if appropriate. Anyone with questions about Medicare will find this class helpful. The instructor can offer insurance products through Maine Medicare Solutions, a licensed insurance agency. All fees are to help cover MMRACE’s expenses Limit 10 students.