Organizers            Past Recordings and Resources     


All sessions will broadcast from 12:05 p.m. - 12:55 Mountain Time

 

  • October 30, 2019
    Home Buying Jargon:  What Do I Need to Know?
    Presenters:  Joel Schumacher, Montana State University Extension and Carrie Johnson, North Dakota State University
    Do you feel like buying a home is like trying to speak a foreign language?  The home buying process uses many very specialized terms.  If want to know was escrow, PMI, closing, APR, title insurance, home inspections and flood certificates are then this session is for you.  This session will explain these terms and others that you will encounter as you navigate the home buying process. 

  • November 6, 2019
    Renting vs. Buying:  Key Factors to Consider
    Presenters:  Joel Schumacher, Montana State University Extension and Carrie Johnson, North Dakota State University

    Most of start out our adult life as renters but at some point we start to consider purchasing a home.  When is the right time? Can I afford it? What if I need a bigger home in a few years?  Deciding between renting and owning can be a challenging decision.  This session will examine some key factors that should be considered when choosing between renting and buying.

  • November 13, 2019
    Overview of Extension Resources
    Presenter:  Carrie Johnson, North Dakota State University

    Extension creates and distributes many useful resources with consumers in mind. This session will preview some unbiased, research-based materials related to personal finance you may find useful.

  • December 4, 2019
    Retirement Planning: Important Decisions for Early Career Workers
    Presenter:  Joel Schumacher, Montana State University Extension 
    Retirement planning is always the most pressing thing on your mind when you are just starting your working career.  However, making a few good choices early in your career can make the road to an enjoyable retirement much easier to achieve. This session will address several key issues to help early career workers make good decisions about retirement savings.

  • December 11, 2019
    Retirement Planning:  Mid-Career Factors to Consider
    Presenter:  Joel Schumacher, Montana State University Extension 

    Saving for your retirement can seem like a never ending process and staying on track for retirement savings can be hard.  How do you keep your retirement plans on tract as life happens?  Retirement planning may not be in the front of your mind as your family changes (births, deaths, marriages, etc.) and financial markets increase and decrease.  This session will provide some tips on how to stay on course to help you reach your retirement goals.

  • December 18, 2019
    Retirement Planning:  Final Preparation for Retirement Day
    Presenter:  Joel Schumacher, Montana State University Extension 

    Most workers spend decades saving for retirement.  Then one day workers are expected to shift from a saving mode to a spending mode.  Are you ready?  What can you do to prepare in your final working years to make this transition? 

  • January 15, 2020
    Paying for College:  How to Plan Before College
    Presenter:  Carrie Johnson, North Dakota State University
    College is an expensive part of life. This session will discuss payment/savings options for those who have not entered college yet.

  • January 22, 2020
    What to Know About Federal Financial Aid and Student Loans
    Presenter:  Carrie Johnson, North Dakota State University

    This session will discuss the basics of federal financial aid and student loans for those in college or have children in college. This session will walk you through how federal financial aid is determined and teach you commonly used terms. Find ways to minimize the amount of student loans needed and find alternative ways to finance an education.


  • January 29, 2020
    Student Loan Repayment, Consolidation, & Refinance
    Presenter:  Carrie Johnson, North Dakota State University

    The student loan repayment process can seem overwhelming and confusing because of the variety of options. But, by being an informed borrower and learning about your loans and options for repayment, you can stay on top of your loan repayment. This session will discuss the different repayment options, the differences between consolidation and refinancing, as well as discuss some common misconceptions of student loan repayment.


  • February 5, 2020
    Finances & Stress:  Causes, Biological Impacts and Prevention Tools

    Presenters:  Joel Schumacher, Montana State University Extension and Michelle Grocke, Montana State University Extension

    Finances are often the cause of stress in our lives.  This session will explore the financial causes of stress.  The session will also examine the biological responses to both short and long term stress.  Finally, the session will provide practical tools you can use to prevent and/or manage your stress.

  • February 26, 2020
    Families and Legacies:  Challenging Decisions
    Presenter:  Marsha Goetting, Montana State University Extension

    Do you know who will receive your property if you pass away without an estate plan? Do you how title on your real and personal property impacts who receives it upon your death? Dr. Marsha Goetting, Montana State University Extension Family Economics Specialist will answer these questions and also explore how you can avoid probate with payable on death designations (PODs), transfer on death registrations (TODs), and other beneficiary designations. During this informative presentation, Dr. Marsha Goetting combines her appreciation of Montana wildflowers with her desire to help you remember strategies to make estate planning easier and less expensive.

  • March 4, 2020
    To Quote Shakespeare: To have a trust or a will…Aye, that is the question
    Presenter:  Marsha Goetting, Montana State University Extension

    Although revocable living trusts have existed for many years, they have recently gained more visibility. You may have read newspaper advertisements for free seminars on the benefits of a revocable living trust, or perhaps you’ve seen television commercials suggesting that everyone should have one.  A revocable living trust can be an excellent tool for some types of estate planning. But it is not an appropriate choice for everyone.  Dr. Goetting will explore the advantages and disadvantages of revocable living trusts, testamentary trusts, and wills.  She will also investigate alternative legal arrangements that are less expensive and may accomplish your goals more effectively, such as a durable power of attorney.  She will keep you actively involved by having you answer questions during the sessions. Dr. Goetting has also enhanced her presentations by combining her appreciation of Montana wildflowers with her desire to help you remember appropriate uses of trusts, wills, and financial powers of attorney.

  • March 11, 2020
    Financial and Estate Planning Legal Tools for the Early Stages of Alzheimer's Dementia or other Cognitive Impairments
    Presenter:  Marsha Goetting, Montana State University Extension

    This session for people who know someone who may be showing symptoms of Alzheimer’s.  It’s also for caregivers who face "double planning legacy planning.  Learn what legal and financial steps should be taken before a diagnosis of Alzheimer’s, related dementias or cognitive impairment and what alternatives are left after diagnosis. Don’t miss this opportunity to participate in a presentation that is not only enlightening, but also interesting.  Dr. Goetting has a reputation for her ability to make presentations interesting and useful to participants. She will keep you actively involved by having you answer questions throughout the sessions. Dr. Goetting has also enhanced her presentations by combining her appreciation of Montana wildflowers with her desire to help you remember strategies to use with loved ones who are facing Alzheimer’s Dementia.