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Caregiver Children and Their Elder Parents
Instructor Candace Pollock - Longer life spans mean that, statistically, adult children will spend as much time caring for aging parents as they do for their own children. They both face many challenges as they deal with the emotional, - nancial and legal aspects of long-term care deci- sions. These decisions straddle several different arenas that have competing rules and families can face unnecessary emotional and nancial costs when they make the “wrong” decision because they did not understand their options. This workshop provides an overview of the fac- tors families should consider for the care and safety of their parents and their assets while protecting the child from parental debts. It cov- ers the essential directives families should have in place to ensure agents are authorized to act for the parent and addresses Medicare and Medicaid rules, care management, guardianship and other factors that can arise when a parent declines mentally or physically. Class Min 5/Max 30. (1 night)
Gar eld Middle School, Room 116 13114 Detroit Ave.
Adult Activities
Special People, Special Planning
Instructor Candace Pollock - (Based on the book of the same name) This workshop will provide an overview of the fundamentals every family needs to consider when planning for the future of a person with special needs. Attend- ees will learn about federal disability programs; guardianships; wills, trusts, and the essential le- gal directives the family must have as well as the consequences of failing to formally plan; how to keep the plan current; and the reasons for “letters of instruction”. Attendees will under- stand the types of advisors to consult, what to ask and how to organize information to ensure their plan will take care of the future needs of the special needs loved one.
Class Min 5/Max 30.
Gar eld Middle School, Room 116 13114 Detroit Ave.
Top 10 Medicaid Mistakes
Instructor Candace Pollock - Most strategies about conserving and applicant’s resources under Medicaid rules involve the nature, amounts and timing of expentitures of the applicant’s resources or the iming of the application itself. Penalties can be longer than ncecssary or avoided altogether if the rules are followed precisely. This workshop covers the top ten mistakes families make regarding Medicaid and the long-term care issues. It explains terminology, importamnt dates and strategies authorized under Ohio Medicaid rules, including the myths about the new Medicaid laws. Class Min 5/Max 30. (1 night)
Gar eld Middle School, Room 116 13114 Detroit Ave.
Resident $15/NR $15
Tuesday: 7/24
7:00pm-8:00pm
Top 10 Estate Planning Mistakes
Instructor Candace Pollock - Most people don’t think they need an “estate plan” because their situation is simple or their assets are modest. But the fact is that everyone has an estate plan whether they know it or not and regardless of whether their assets are generous or modest. Estate planning occurs every time you name a bene ciary on a retirement account, open a bank account or even when you fail to prepare formal legal directives. This course will cover the 10 common planning mistakes that can put you and loved ones in jeopardy and increase expenses during a crisis and at death. Attendees will leave with an understanding of the core directives essential in every plan as well as how to avoid planning gaps and con icts to maintain maximum control at minimum cost. Class Min 5/Max 30. (1 night)
Gar eld Middle School, Room 116 13114 Detroit Ave.
First Time Home Buying Seminar
Instructor Ray Antonelli - This rst time home buying seminar will help you nd and purchase your rst home. We will help with every aspect of the process. This seminar can help take the frustration and confusion out of buying your rst home. By educating yourself about all facets of the home purchase process, you know what to expect, you understand the issues and you’re prepared to make informed decisions that are in your best interest. Class Min 4/Max 25.
Harding Middle School, Room 104 16601 Madison Ave.
Resident $15/NR $15
Tuesday: 5/22
7:00pm-8:00pm
Resident $15/NR $15
Monday: 5/28
6:30pm-8:00pm
10 Steps to Perfect Credit
Instructor Ray Antonelli - Learn how to get and keep good scores and why this is important to get a good job and lower rates on the loans you take out. Save 10s of thousands in interest by having good credit. Survive and thrive in todays credit based economy. Free credit analysis just for attending.Class Min 4/Max 25.
Harding Middle School, Room 104 16601 Madison Ave.
Resident $15/NR $15
Tuesday: 7/10
7:00pm-8:00pm
Nuts & Bolts of Trusts
Instructor Candace Pollock - Trusts can be one of the most useful and cost-effective legal tools to help people maintain control over their as- sets during good health, illness and at death— without court costs or delays. Unfortunately, most people, including nancial advisors, only think of trusts in terms of saving estate taxes. While this is one bene t of trusts, trusts can also provide many more protections such as shielding inheritances for bene ciaries with failed marriages, bad judgment, creditors, or special needs or those with business interests. This workshop gives an overview of how trusts work, the pros and cons and costs, when to consider using trusts and what should be in- cluded in the trust provisions. It covers the Trust Protections SpectrumTM and various as- set protection options trust can provide dur- ing the trustmaker’s and bene ciaries’ lifetimes. Class Min 5/Max 30.
Gar eld Middle School, Room 116 13114 Detroit Ave.
Resident $15/NR $15
Tuesday: 6/5 7:00pm-8:00pm
Reverse Mortgages for Seniors
Insructor Ray Antonelli - Keep Medicaid from attacking your home equity. Reverse mortgages are valuable tools for Seniors 62 and older. There is almost no limit to use the funds which come to the Senior tax free and also do not reduce social security or medicare payments. If you are downsizing you can now use a reverse mortgage to purchase a smaller home and conserve more cash for retirement. Get all your questions answered at this class.Class Min 4/Max 25.
Harding Middle School, Room 104 16601 Madison Ave.
Resident $15/NR $15
Monday: 6/11 6:30pm-8:00pm
Resident $15/NR $15
Tuesday: 6/19
7:00pm-8:00pm
REGISTER TODAY @ lakewoodrecreation.com
Resident $15/NR $15
Monday: 6/18
6:30pm-8:00pm
Lakewood Recreation 216-529-4081
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www.lakewoodrecreation.com