General Enrichment

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.

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

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.