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Mt. Desert Island Adult & Community Education

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Personal Finance

in Personal Enrichment

A Closer Look At Your Social Security Benefits W18

Free

with Herbert Moyer

Calendar Mar 20, 2018 at 6 pm, runs for 1 week
Retirement Yesterday and Today; Individual Benefits; Social Security as a Retirement Supplement; How Benefits Are Determined; FRA (Full Retirement Age); Taking Benefits Early; Taking Benefits and Still Working; Example of Taking Benefits & Working; Benefits of Delaying Payments; Three Breakeven Points; Taxation of SS Benefits; Spousal Benefits; Amount and Timing; How Spousal Benefit Is Calculated; Taking Spousal Benefits Early; Example; Survivor Benefits; SS And Other Pension Benefits; Government Pension Offset; Windfall Elimination Provision; Collecting Benefits From A Divorced Spouse; Strategies To Maximize SS Benefits; Changes To Strategies; Filing A Restricted Application (still available if….); Restricted Application Rules; Options For Widows and Widowers; Payout Results Comparing Three Strategies; Key Points On SS Strategies; Closing The Income Gap…. And Considerations.

Herbert Moyer has fought forest fires, taught high school science and computer, worked for IBM, played semi-pro-baseball, photographed weddings for 40 years, has a YouTube Channel, works as a financial professional for Prudential, and really enjoys helping people meet or exceed their financial and life goals.

Will run

Financial Literacy Program W18

Free

with Herbert Moyer

Calendar Feb 27, 2018 at 6 pm, runs for 3 weeks
This is a free, 3-week program that will cover 6 major topics: Savings and Investing Basics, What is a Mutual Fund, Don't try to Predict the Market, Understanding Portfolio Statistics of Mutual Funds, Financial Challenges that Matter Most, and Protecting Yourself from Identity Theft. Two topics will be covered each week. At the end of the program you will have a much better understanding on a topic many people would prefer to avoid. However, Herbert Moyer uses his past experience as a teacher and a Financial Professional with Prudential to bring you information that is accessible and useful!

Herbert Moyer has fought forest fires, taught high school science and computer, worked for IBM, played semi-pro-baseball, photographed weddings for 40 years, has a YouTube Channel, works as a financial professional for Prudential, and really enjoys helping people meet or exceed their financial and life goals.

Will run





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