MORE & MORE OPPORTUNITIES
BOATING, DOG OBEDIENCE, REVERSE MORTGAGE,
FIRST AID & CPR; STRESS & ANXIETY MANAGEMENT
**NEW** COMMON SENSE SELF DEFENSE FOR WOMEN
Class will focus on simple techniques that anyone can do to help defend themselves. Take charge and don't be a victim but a survivor. No martial background is required for this course.
Instructor: Gail Capolupo, 3rd degree black belt in Tang Soo Do, Owner of Bunker Hill Karate, member of the TSDMA and Charland Institute of Karate & Fitness.
Location: Performers Edge Dance Studio
Dates: Fridays; October 2 & 9
Time: 7:00 PM – 8:00 PM
Age: Young teen women (12 & up) & adult women of all ages
Cost: $20.00
Program: 131380
UNITED STATES POWER SQUADRONS
SAIL AND POWER BOATING
Satisfactory completion of this course fulfills the Connecticut Safe Boating Certificate requirements. This course is open to boating enthusiasts with or without boats, and is ideal for those who want to learn more than the minimum required for the state certificate. Topics include; fundamentals of safe boating, rules of the road, navigation skills, proper equipment, etc. The course is being presented by the Waterbury Power Squadrons (a unit of the nationally recognized United States Power Squadrons) in conjunction with the Watertown Recreation Department.
This challenging course is one of the many boating related courses offered by the Waterbury Power Squadron, including Piloting, Celestial Navigation, Preparation for Coast Guard License Exam, Weather, Marine Electronics, and more. To register or for more information call Doug Burdett at (860)945-5263 (daytime) or (203)723-2169 (evenings) or Paul Rosa at (203)879-5445.
You don’t need to be a Watertown/Oakville resident to attend!
Location: Swift Middle School, Library
Dates: January 5, 12, 19, 26; February 2, 9, 23;
March 2, 9, 16, 23 (None February 16)
Time: 7:00 pm – 9:00 pm
Age: This course may be too challenging for youths under 12 years
Cost: $60.00/this will cover cost of registration and course materials. When more than one family member shares course material, there is only a $10.00 fee for each additional person.
BASIC DOG OBEDIENCE CLASS
This is a class offering both owner and puppy an education in recommended basic equipment, terminology, and use and type of treats recommended. . You will learn proper socialization skills for you and your pup throughout his/her life. Dogs must have a current rabies vaccination. Please provide proper documentation upon registration or at lecture class. Dogs must be on leash at all times. Dogs must be 6 months or older. THE FIRST CLASS IS FOR OWNERS ONLY NO DOGS, LECTURE ONLY! Instructor is Carol Gruszka from K-9 Ediquette.
Location: Veterans’ Memorial Park
Dates: Saturdays; September 19, 26; October 3, 10, 17, 24
Time: 9:00 am – 10:00 am
Ages: Handler must be 18 yrs or older
Cost: $95.00/per puppy
Program Code: 130102
ARE YOU READY TO REVERSE?
You are invited to participate in a candid discussion about the federal government’s reverse mortgage program available to homeowners over the age of 62. Reverse mortgages receive a good amount of media attention, however information about the program may be inaccurate or misleading. Denise Hayes, a reverse mortgage specialist with Webster Bank, will present a detailed overview of this important opportunity for qualified homeowners. Topics will include: Ownership retention, pros & cons of reverse mortgages, payment options, closing costs, loan repayment, various issues concerning reverse mortgages.
Location: Falls Ave Senior Center
Date/Time: Tuesday, September 29 at 10:00 AM – 11:00 AM
OR
Thursday; October 1 at 6:30 PM – 7:30 AM
Cost: No Charge Resident and Non Resident Welcome
Pre-Registration Required! Please Call 945-5246
HEART SAVER BASIC FIRST AID CERTIFICTAION
American heart Association First Aid. Participants learn first aid basics and show proficiency in skills. No written test is required. Participants receive a two year certification card. This class meets the requirements anyone needed to be trained in adult first aid. Note; if participants are recertifying a book purchase is not necessary
Location: Falls Ave Senior Center
Date: Tuesday, October 20
Time: 6:00 pm – 8:30 pm
Costs: $40.00/pp plus text and cdrom $12.00
Program code: 131322
CPR FOR FAMILY & FRIENDS: ADULT & CHILD
This course teaches what to do in a life-threatening emergency. These emergencies include no breathing, choking and cardiac arrest (heart stopping) and most occur in or near the home. With the knowledge and skills in this course, participants will learn warning signs of heart attack, stroke, cardiac arrest, and choking; CPR and relief of foreign body airway obstruction for adults. This is a participation program and does not include a written exam and isn’t good for certification in the workplace.
Location: Fall Ave Senior Center
Date: Tuesday, October 27
Time: 6:00 PM – 8:00 PM
Costs: $35.00/PP Text Included
Program Code: 131323
**NEW** STRESS AND ANXIETY MANAGEMENT
Prepare for the holidays! Cope with the economy! Come learn a variety of life skills and techniques that can help reduce your response to stressful events. We will progress from more basic to more advanced skills with each class session. Signing up with a buddy to facilitate out of class practice may be helpful to you but is not necessary.
Location: Full Circle Counseling, 2030 Straits Turnpike, Suite 2, Middlebury, CT
Date: Wednesdays, October 7, 14, 21, 28; November 4
Time: 8:00 pm – 9:00 pm
Costs: $55.00
Program code: 131377
**NEW** YOUR CAREER IN MOTION: FINANCIAL STRATEGIES DURING A JOB TRANSITION
There are many things to consider when it comes to a job loss, but thinking about them in order of urgency can help make it more manageable. When you’re first out of work you may wonder how you will meet your basic expenses, maintain a cash reserve, and provide health coverage for your family. And if the worse case scenario occurs and you’re out of work longer than anticipated, what will happen to your ability to meet your long term goals such as saving for education or retirement? Will you need to rethink your plans for the future? A job change can impact all four of your financial cornerstones- cash flow, taxes, investments and also protection. If you have lost your job or are concerned you might, I will discuss financial strategies that can help you prepare for or maintain control of your life during a job transition.
Location: Falls Ave. Senior Center
Date: September 14, 2009
Time: 6:30 PM
Cost: No Charge Resident and Non Resident Welcome
REGISTRATION REQUIRED BY SEPTEMBER 11 AT 945-5246
PRESENTED BY: DIANE L. BEARCE CRPC®, FINANCIAL ADVISOR, AMERIPRISE FINANCIAL SERVICES, INC.
**NEW** UNDERSTAND TODAY, OWN YOUR TOMORROW, A NEW PROSPECTIVE ON YOUR FINANCES
We can’t pick up a newspaper, turn on the television or listen to the radio without hearing news on the economy. Today’s changing environment calls for a fresh way to address today’s needs and tomorrow’s goals. Consumers have seen the value of investments decrease dramatically in this downturn and they have a lot of questions, most importantly, “What should I do?” I will present strategies to think about, help you identify gaps in your financial situation and offer possible solutions in this environment to help you take back control. While there is no one answer for everyone, having a clear understanding of where you are today can lead you confidently towards tomorrow.
Location: Falls Ave. Senior Center
Date: September 28, 2009
Time: 6:30 PM
Cost: No Charge Resident and Non Resident Welcome
REGISTRATION REQUIRED BY SEPTEMBER 25 AT 945-5246
PRESENTED BY: DIANE L. BEARCE CRPC®, FINANCIAL ADVISOR, AMERIPRISE FINANCIAL SERVICES, INC.
**NEW** STRONG WOMEN, POWERFUL FINANCIAL STRATEGIES
It’s a worry that lurks in the back of most women’s mind- the fear of outliving their nest egg. This anxiety is as real for the wealthy, as well as the less affluent who must be careful of spending. Women worry with good reason; they typically outlive men. Those extra years in life will be expensive and may come when you may have less ability to make sound decisions. I will cover how life events could impact your financial independence and steps you could take now to manage the risk of running out of money in your later years.
Location: Falls Ave. Senior Center
Date: October 5, 2009
Time: 6:30 PM
Cost: No Charge Resident and Non Resident Welcome
REGISTRATION REQUIRED BY OCTOBER 2 AT 860-945-5246
PRESENTED BY DIANE L. BEARCE CRPC®, FINANCIAL ADVISOR, AMERIPRISE FINANCIAL SERVICES, INC.
**NEW** ACTIONS YOU CAN TAKE IN A VOLATILE MARKET
You finally have the time to focus on saving for the things that are important to you and now look what’s happening. The market is volatile and you feel you are going to have to work for years just to catch up to where you were. On top of that, you always thought you could tap into the equity of your house if you found yourself in a squeeze. You’re questioning whether you will be able to live the dream you had hoped for; whether it’s educating your children, retirement or something else you are planning for. I will discuss some fundamental strategies that can help you stay on the right course, more effectively manage today’s market environment, and stay on track to plan for the goals that are most important to you.
Location: Falls Ave. Senior Center
Date: October 19, 2009
Time: 6:30 PM
Cost: No Charge Resident and Non Resident Welcome
REGISTRATION REQUIRED BY OCTOBER 16 AT 945-5246
PRESENTED BY DIANE L. BEARCE CRPC®, FINANCIAL ADVISOR, AMERIPRISE FINANCIAL SERVICES, INC.
**NEW** MANAGE YOUR TAXES
If there is one area of finance that touches every other, it’s taxes. That means it can affect your ability to reach your dreams, in the present and in the future. Many think tax laws are perplexing and too hard to understand, much less think of the opportunities. You and your dreams are not as powerless in the face of taxes as you may think. I will review the changing landscape in the tax laws and discuss ways you can manage your taxes and in the process, potentially have more money to put towards what’s important to you.
Location: Falls Ave. Senior Center
Date: November 16, 2009
Time: 6:30 PM
Cost: No Charge Resident and Non Resident Welcome
REGISTRATION REQUIRED BY NOVEMBER 13 AT 945-5246
PRESENTED BY DIANE L. BEARCE CRPC®, FINANCIAL ADVISOR, AMERIPRISE FINANCIAL SERVICES, INC.
AMERIPRISE FINANCIAL DOES NOT PROVIDE TAX OR LEGAL ADVICE. CONSULT TOUR TAX OR LEGAL ADVISORS.
**NEW** TAKE CONTROL OF YOUR RETIREMENT INCOME
What’s the biggest fear retirees share? Running out of money. Distribution is the flip side of accumulation and must be taken into account when designing investment portfolios and other financial strategies. While the goal of growth of capital will always be important for keeping up with inflation and ensuring that assets last, current income will become your most important focus and objective during retirement. Specializing in retirement income, I will discuss strategies on how to take control of your retirement income and strategies to help make it last a lifetime.
Location: Falls Ave. Senior Center
Date: November 30, 2009
Time: 10:00 AM
Cost: No Charge Resident and Non Resident Welcome
REGISTRATION REQUIRED BY NOVEMBER 27 AT 945-5246
PRESENTED BY DIANE L. BEARCE CRPC ®, FINANCIAL ADVISOR, AMERIPRISE FINANCIAL SERVICES, INC.
**NEW** HOW TO FINANCE A COLLEGE EDUCATION
Wondering how to pay for your child’s education? There are 3 decisions you need to make when planning for any financial goal: how much to save, what kind of account to use and what investment strategy to follow. College is becoming a pretty lofty goal for many and I will cover practical tips you can consider when strategizing for such a financially impactful event. Also covered will be things you can do to help qualify for financial aid.
Location: Falls Ave. Senior Center
Date: December 7, 2009
Time: 6:30 PM
Cost: No Charge Resident and Non Resident Welcome
REGISTRATION REQUIRED BY DECEMBER 4 945-5246
PRESENTED BY: DIANE L. BEARCE CRPC ®, FINANCIAL ADVISOR, AMERIPRISE FINANCIAL SERVICES, INC.
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