GENERAL PROGRAMS

The Wealth Files – Predicting Your Financial Future
Mondays, September 8 through October 27; 6:30 - 7:30 p.m.
Location: Lower Windsor Township Building (upper level)
Cost: Fee: $65
Discounted Fee: $59
Registration Deadline: 9/04/08
Have you ever wondered why some people seem to get rich easily, while others are destined for a life of financial struggle? The difference is not education, intelligence, skills, timing, work habits, contact, luck or their choice of jobs, business or investments. We will look at our money blueprints, our childhood influences, and how to revise them to create and maintain success. We will also look at 17 ways rich people think and act differently from poor and middle class people. If you are not doing as well as you would like, you will have to identify and change your money blueprint. You can alter your financial destiny, regardless of your age or circumstances! Join us for a dynamic and powerful look at our money! Certificates for a complimentary confidential financial coaching session and the book “Secrets of the Millionaire Mind” by T. Harv Eker will be included in this class. This class is brought to you by Life Designs’ Laura Westerberg, M.A., CCC-SLP, Life Coach.

Basic Financial Management
Tuesday, September 16; 7 – 8:30 p.m.
Location: Lower Windsor Township Building (upper level)
Cost: FREE
Registration Deadline: 09/08/08
This workshop provides an overview of multiple financial topics to be considered when developing a successful financial plan. We will discuss the following issues, including but not limited to: money management, risk management, asset allocation, retirement planning and college funding.

Pastel Art Class
Tuesdays, September 16 through October 21; 5:30–7:30 p.m.
Location: Lower Windsor Township Social Hall
Cost: Fee: $94
Discounted Fee: $85
Registration Deadline: 09/08/08
This class will accommodate beginners as well as more experienced painters. We will focus on the use of charcoal and pastels (not oil pastels). We can use still life setups which will be provided or students can bring photographs. Pastels are fun to wok with and con provide bold, textural strokes or can be blended and smudged to create soft, diffused effects. You will learn about pastel technique, drawing, composition, tonal values, and how to establish lights, darks and midtones. In addition to still life, if you are interested in painting animals, people, landscapes, or flowers just bring your photos and your imagination. You will need hard pastels, Pismacolor Nupastels are recommended. Soft pastels can be used for additional effects, but are not necessary. You will also need a few sticks of charcoal for preliminary drawing and Canson MiTiense Pastel Paper. All items needed can be found at Michaels Craft Store. This class is taught by Artist Eileen Horan. To view her work, go to www.eileenhoran.weebly.com.

Train Your Dog Before Your Dog Trains You!
Tuesdays, September 23 through November 4; 6–7 p.m.
Location: Lower Windsor Township Gymnasium
Cost: Fee: $102/dog
Discounted Fee: $85/dog
Ages: Dogs must be 12 weeks or older
Registration: Call (717) 246-3267 to register
Join instructor Terry Herb from Happi Tee Kennel for a seven-week obedience and behavior program for dogs 12 weeks and older. To register, call Terry at (717) 246-3267, so she can instruct you on what you will need for the class.

Christian Financial Study
Wednesdays, September 24 through December 10; 7 – 8:30 p.m.
Location: Lower Windsor Township Building (upper level)
Cost: Couple: $28
Single: $23
Registration Deadline: 9/17/08
Join instructor Jean Miller for a twelve week Bible Study. This class is based on the book “More Than Finances…A Design for Freedom”, which is included in the fee. The lesson for each week examines practical situations such as: must I pay my taxes, how to buy a car, which credit cards to pay off first, and why is my spouse’s spending habits are so different from mine. Each lesson also has a verse of scripture that goes with it, so please bring your Bible and a workbook.

Making My Savings Work Harder For Me: Understanding Asset Allocation
Tuesday, September 30; 7 – 8:30 p.m.
Location: Lower Windsor Township Building (upper level)
Cost: FREE
Registration Deadline: 09/20/08
This workshop is designed to help individuals develop a better understanding of investment portfolios. We will review the different asset classifications, investment strategies, and the benefits of portfolio diversification. Also, personal factors to be considered when developing a personal portfolio including time horizon and risk tolerance will be addressed.

Retirement: Building a Comfortable Lifestyle for Tomorrow
Tuesday, October 14; 7 – 8:30 p.m.
Location: Lower Windsor Township Building (upper level)
Cost: FREE
Registration Deadline: 10/09/08
This is a workshop to discuss common concerns and questions about retirement. We will discuss the benefits of utilizing a company retirement plan and how to complement it with other investments. The session will also address key issues that should be considered when planning for a successful retirement, such as determining the retirement need, retirement income sources, effects of healthcare costs, and protecting the existing nest egg.

College Funding, Where Do I Begin
Tuesday, October 28; 7 – 8:30 p.m.
Location: Lower Windsor Township Building (upper level)
Cost: FREE
Registration Deadline: 10/20/08
This workshop is for individuals who wish to learn about college saving options. The subject matter discussed touches on four steps in saving for college; understanding the current and future costs, evaluating college funding sources, the benefits of establishing a college fund, and preparing your child for college. We will also compare different savings vehicles often used when saving for education expenses.

Living Past 100 – Get a Handle on Your Health
Mondays, November 3 through December 22; 6:30 - 7:30 p.m.
Location: Lower Windsor Township Building (upper level)
Cost: Fee: $65
Discounted Fee: $59
Registration Deadline: 10/27/08
Interactive and informative, this class is designed for Baby Boomers, caregivers, and others who have health concerns or are currently healthy and want to stay that way! This class will examine a variety of topics: the current options in health care coverage and how to cut your costs; what you can expect if you move to an Assisted Living or Skilled Nursing Facility; How to stay in your home safely for as long as possible – downsizing, decluttering, safety devices, access devices, personal concierge services; how to get or maintain health, looking at most people’s current concerns: dementia, medications, diet, mold or other environmental toxins, and the epidemic of autoimmune diseases (MS, Type 1 diabetes, rheumatoid arthritis, lupus, etc.), others as requested; what health coaching is and how it may benefit you; and topics brought to discussion by class participants. Complimentary confidential health coaching session included for each participant. This class is brought to you by Life Designs’ Professional Health Coach Laura Westerberg, M.A., CCC-SLP.

Long-Term Care: Insuring Your Quality of Life in Retirement
Tuesday, November 11; 7 – 8:30 p.m.
Location: Lower Windsor Township Building (upper level)
Cost: FREE
Registration Deadline: 11/05/08
This is a course designed to address a difficult subject in an easy to understand way. This workshop will address why long-term care is such a concern and discuss important issues about long-term care including: the basic levels of long-term care, the odds of needing care, costs and payment sources of long-term care, and protecting your assets in the even of care.

Elimination of Gas Station Frustration
Thursday, November 13; 7–8 p.m.
Location: Lower Windsor Township Building (upper level)
Cost: FREE
Registration: 11/01/08
FREE GAS! All attendees will receive an entry to WIN the door prize of a FREE gas card! Come out and learn how to utilize tax laws to offset your living expenses such as gasoline. There is NO COST to attend this session, but pre-registration is required

Hunter Trapper Education
Friday, November 21; 6–9 p.m. and
Saturday, November 22; 8 a.m.–4 p.m.
Location: Lower Windsor Township Building (upper level)
Cost: FREE
Ages: 11 & up
Registration: www.hte.state.pa.us
Pennsylvania law mandates that all first-time hunters, regardless of age, successfully complete a Hunter Trapper Education (HTE) Course. The course is also a good idea for those who would like refresher training. Some states require hunters to provide an actual HTE card and do not grandfather older hunters. This event is sponsored by EYARC, Pennsylvania Fish & Game Commission, Lower Windsor Township and Craley Fish and Game Sportsman’s Club. Lunch will be provided at no charge on Saturday by Craley Fish and Game Sportsman’s Club. Participants must attend both days. To register, go to www.hte.state.pa.us. If you do not have access to a computer, you may call EYARC at (717) 246-8155 and they will assist you with getting registered. Register early, seats go fast!