Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 Page 20 Page 21 Page 22 Page 23 Page 24 Page 25 Page 26 Page 27 Page 28 Page 29 Page 30 Page 31 Page 32 Page 33 Page 34 Page 35 Page 36 Page 37 Page 38 Page 39 Page 40 Page 41 Page 42 Page 43 Page 44 Page 45 Page 46 Page 47 Page 4825 Online: www.AssabetAfterDark.com / Call: 508-263-9651 Understanding Medicare - What It Means to You Wednesday, 7 - 9pm, Nov. 2 • $59 FP07-F16 If you are close to being eligible for Medicare, or already on it, this class will fully enlighten you on how Medicare works and the different health care choices available to those 65+. Just a few of the questions which will be addressed are how parts A, B, C, and D are integrated; what a Medicare Advantage Plan is; the pros and cons of HMOs, PPOs, and Medigap plans; whether you should take Medicare if you are still employed; how Health Care Reform impacts Medicare; and if any part of Medicare covers long-term care expenses. Instructor: Daniel Williams Wills, Estate, and Gift Tax Planning Thursday, 6:30 - 9:30pm, Nov. 3 • $59 FP08-F16 You will receive practical advice about wills, trusts and other estate planning strategies, including tax savings techniques, in this one night workshop. We will discuss the estate administration process and ways to simplify that process under the new Massachusetts Probate Code. This class will demystify the subject of wills, estate planning and gift tax planning and give you practical advice about planning your own estate. Some of the topics discussed include who will get your property if you die without a will; who you should name as executor, guardian, and trustee and what their responsibilities are; how you should address blended family issues; how you can save estate taxes and administration costs for your heirs, and what the new Massachusetts Uniform Probate Code means for you. Instructor: Andrew O’Donnell Buying Foreclosed Properties, Part One: Classroom Wednesday, 6:30 - 9:30pm, Oct. 26 • $55 HM03-F16 Looking for real estate bargains?  Consider buying foreclosed property. Purchasing a foreclosed property need not be risky if you are an informed consumer. This is a fantastic opportunity to learn about purchasing these one-of- a-kind homes. Sign up for Part Two to view actual foreclosed properties. You will discuss pre-foreclosures, notice of default listings, as-is sales, bank-owned sales, public auctions, and non- refundable deposits. You will learn how to avoid bidding more than the house is worth; identify potential problems and deal with unpaid taxes and liens. Walk away with the confidence to contact the trustee of the foreclosure sale to ask questions and meet with a team of experts including a realtor, attorney, auctioneer, and mortgage broker. Instructor: Jo-Ann Szymczak Buying Foreclosed Properties, Part Two: Tour Saturday, 9am - 3pm, Oct. 29 • $65 HM04-F16 Looking for real estate bargains?  Consider buying foreclosed property. Purchasing a foreclosed property need not be risky if you are an informed consumer. This is a fantastic opportunity to learn about purchasing these one-of-a-kind homes. Don’t miss this opportunity to get an expert’s opinion on your future dream house. Part Two: Foreclosure Tour includes previewing listing information from 9:00 AM - 10:00 AM, reviewing sales data to understand house values, and traveling by bus from 10:00 AM to 3:00 PM to view four to eight foreclosed properties in the greater Marlborough area. Instructor: Jo-Ann Szymczak Continued… HOME Bundled Classes • $109 Presented in easy to understand terms. Lots of time to ask questions. Found this presentation very helpful. Carolyn Roux Social Security: More Than Meets The Eye Excellent class, very happy with the course. Michael T. Houghton Wills, Estate, and Gift Tax Planning