BUSINESS, FINANCE AND CAREERS

Description: Are you a middle class American who wants to live a debt-free, stress-free lifestyle? How would you like to pay off all your credit cards, car payments, etc., in 1 to 3 years and then pay off your 30-year mortgage in another 3 to 4 years? Whether you earn $12,000 or $120,000, have good credit or no credit. You can do this with your current income. No second job or living without. Learn linear math technology to eliminate your debts and operate 100% on cash, never needing credit again. Bring a calculator and list of your debts. All data is confidential. Optional Textbook available from Instructor $39

Teacher Bio: COURTNEY KOSTELECKY is a Financial Education Specialist, published author and national speaker based in North Dakota. He is the founder of a Debt Free Newsletter, and invests his energy into helping people in times of economic insecurity through online newsletter, seminars, and individual consultations. Materials fee to teacher: $5 Price: $59.00

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Class Name: BU015-DEBT-FREE AND PROSPEROUS LIVING Get out of debt completely!!!

Location: North Pinellas Category: BUSINESS, FINANCE AND CAREERS Teacher: Chris Clement

Days: Every Tues Time: 5:00pm-7:00pm or 7:00pm-9:00pm

Description: I had a lot of math in high school and college, even got a BS degree in it. Abstract algebra, sets, functions and logic. Guess what the curriculum deliberately omits!?! Compound interest! Whether it was truly a global conspiracy or not is still an unsettled debate. The facts are: *Bankers will get richer and you will get poorer. *Monthly payments enslave people and make them poorer. *The rich simply don't take on any debt (in their own name, at least). *Desperate people have to pay twice over (via payments) for things they could have paid far less for. Get free now!

Teacher Bio: Chris Clement is a former utility executive who was downsized in the 90's. Saddled with debt and mortgage payments, he turned the situation completely around and now lives on interest and other "unearned" income. Price: $25.00

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Class Name: THE 15 MINUTE BUDGET Spend Smart! Creating Wealth with NO room in your budget!

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: Courtney Kostelecky

Days: Sat Time: 1:30pm-4:30pm

Description: Spend Smart is the missing ingredient in most people’s financial plan. Unfortunately most people spend everything they make, if not more, so they have no money left over. Spend Smart will teach you: • How to save 10-40% on spending EASILY without sacrificing the quality of your life • Create a cash surplus that grows EVERY month • Discover proven ways to save on Insurance, Cars, Groceries, Utilities, Appliances and more Spend Smart will help you reach the point where you have extra money each month to begin investing or extra money to use as you choose! Optional Textbook is available from Instructor $39

Teacher Bio: Courtney Kostelecky is a Financial Education Specialist, published author and national speaker based in North Dakota. He is the founder of a Debt Free Newsletter, and invests his energy into helping people in times of economic insecurity through online newsletter, seminars, and individual consultations. Materials fee to teacher: $5 Price: $59.00

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Class Name: THE REAL WORLD OF SMALL BUSINESS A Street Fighters Guide to Success

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: EDWARD K. FRANK

Days: Sat Time: 9:30am-12:30pm

Description: Ninety-five percent of the people work for the other five percent. They will never be rich because wealth comes from entrepreneurship. The secret of financial independence is to own a business of your OWN. Almost everyone has a secret desire to start his or her own business. Needing large sums of money, a college degree or even good credit are just a few myths of business startup that will be dispelled during this compelling seminar. Learn how to overcome the roadblocks of starting your own enterprise by following the guidelines set forth by this dynamic instructor. His 25 years of “street fighting” and successful business enterprises, as well as the failures along the way, offer an in-depth insiders knowledge to the business of business. Topics will include: choosing the right business, locations, financing, credit issues, management of employees and rebounding from adversity. YOU have the choice – make yourself rich or make someone else rich.

Teacher Bio: EDWARD K. FRANK is an international speaker, published author and business consultant. He has encountered severe business and personal failures, including devastating physical injuries, and came back to conquer the “business of small business.” He has learned to transform the negativity in his life and teaches this powerful and constructive method to clients around the country. See Edward’s other class in Personal Growth: CHANGE YOUR ATTITUDE, CHANGE YOUR WORLD Price: $45.00

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Class Name: START A HOME-BASED MEDICAL TRANSCRIPTION BUSINESS

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: DEBORAH BURNS

Days: Thur Time: 6:30pm-9:30pm

Description: Demand for medical transcriptionists is soaring! If you want to choose your own hours, have a business at home, find clients easily and make great money, this class will get you started! Discover a step-by-step guide to: - Learning medical transcription simply and cost-effectively - Avoiding expensive and common mistakes - Marketing your business easily - Everything you wanted to know about pricing - Collections, equipment, software - Professional organizations - Networking and much more… Testimonial: “Deborah Burns is very knowledgeable and very willing to share her information” – N.M.

Teacher Bio: DEBORAH BURNS operates a large Medical Transcription business in Phoenix, Arizona and teaches this course around the country. You’ll enjoy her warmth, humor and practical advice. Materials fee to teacher: $10 Price: $55.00

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Class Name: GIFT BASKET BUSINESS START-UP

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: DANUTA BOCK

Days: Sat Time: 9:30am-4:30pm

Description: With creativity and a little marketing know-how, you can turn baskets into bounty. Ideal for retirees, an avenue for supplemental income, a way to ditch the 9-5 job, or to express your creativity, learn step-by-step how to establish a legitimate home-based business, specializing in assembling gift baskets for resale. Beginning with basic business startup how-tos, Danuta Bock, our expert in flower and basket design, offers a comprehensive, informational seminar with lots of anecdotes and examples. Learn how to: • Identify and develop potential markets • Find inventory • Price products, advertise, and other marketing strategies • Avoid common pitfalls • Identify your personal niche

Teacher Bio: DANUTA BOCK is the owner of a flower and basket shop. She specializes in gift baskets and fresh floral designs, and offers her designing expertise in seminars across the state. Materials fee to teacher: $Included Price: $150.00

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Class Name: HOME BUSINESS GOLDMINE 101 Creative Ways to Earn Extra Money

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: PAUL MLADJENOVIC

Days: Sat Time: 10:00am-1:00pm

Description: Do you want another source of income, without leaving your job? Are you worried about your position, you company or your financial security? Use the same techniques and strategies that have been used by millionaires! No matter who you are or what you are currently doing, you can turn your spare time and energy into money. Find out how to start and operate from home, part-time or full-time. You do not need capital to get started, just a desire to succeed. Learn the right approach comlpete with how-to and where-to information. You will learn about specific ways to earn money in hot areas such as factoring, brokering, finder fees, liquidating, etc. Imagine earning $50,000 by bringing money to businesses! Or find over 2,000 sources of wholesale products to earn big re-sale profits. We will show you the money-making power of the Internet! Imagine earning big fees just by doing simple research at the library or perusing public records. Start a low-risk, high-potential journey to financial security.

Teacher Bio: PAUL MLADJENOVIC is a national speaker who conducts upward of 150 seminars per year. He is a certified financial planner, business consultant and home business specialist. His publications include: The Unofficial Guide to Picking Stocks, Zero-Cost Marketing, and How to Become a Recognized Expert in Only 6 Months! Paul has appeared on countless syndicated radio and TV programs and brings his expertise to the Tampa Bay area on this occasion for YOU. Materials fee to teacher: $FREE for Home Business Plan Software Price: $60.00

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Class Name: MAKE MONEY MYSTERY SHOPPING

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: KELLY FAYSASH

Days: Wed Time: 6:30pm-9:00pm

Description: Get paid to dine out! Shop for free! These are just a few of the benefits of mystery shopping. This course will teach you how to become a secret shopper and supplement your income while having fun. Learn how to find the best shopping companies, write hot reports, and get the best assignments. If you want to shop once in a while or make a career of mystery shopping, this class is for you! The course fee includes a listing of the “Top 25” companies and a tip sheet for shopping success. Have fun and make money too!!!!

Teacher Bio: KELLY FAYSASH is a former public relations director for statewide and national organizations. She is now a happily married stay-at-home mother of two and still shops for fun! Price: $39.00

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Class Name: REPAIR YOUR CREDIT NOW!!!

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: DANNY GARCIA

Days: Thur Time: 6:30pm-9:30pm

Description: Learn to control and correct your credit now before it becomes irreparable. Learn the techniques used by credit repair companies to remove negative items from your credit report. We will show you how to remove repossessions, charge-offs, collections, late and slow pays. Learn the basics of the Federal Credit Reporting Act. Understand how credit scoring affects your cost of purchasing items and services, as well as the accessibility of some employment opportunities. Most credit repair companies charge over $400 per person for this service. Take advantage of this 3-hour seminar for these same services. Testimonial: “The class was enlightening and I learned a lot!” - Serena Wykle “Great course, very informative” - D.P.

Teacher Bio: DANNY GARCIA owns and operates a nationwide mortgage company. He has been educating his customers regarding lenders hidden secrets for 3 years. Danny is the publisher of The Mortgage Digest, a best practices consumer newsletter. Mr. Garcia also teaches the class Credit Repair here at Baywinds. The class explains how to repair your credit to improve your ability to secure a mortgage. Materials fee to teacher: $25 to pull your credit report prior to class from three major credit bureaus. Price: $49.00

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Class Name: CAREERS IN FITNESS

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: TRUDY BEERMAN

Days: Tue Time: 6:30pm-9:30pm

Description: College students, moms, coaches, physical therapists, gym rats – anyone who has experienced the benefits of fitness training, and is looking for the ultimate flex-time, full-time, or self-employment opportunity – find out if a career in fitness is for you. Health writer and fitness coach Trudy Beerman will show you how to get started. • Experience a variety of health surveys, including how to do a body fat assessment • Learn about workout program design • Examine portable fitness equipment, review and take home fitness catalogs • Create a realistic plan to purchase a startup package on a nominal budget • Learn ways to earn extra $$ selling fitness equipment to your clients • Assess and develop marketing strategies • Explore career options – work with a club or studio? Open your own studio? Work from home? or a portable operation? • Free CPR training to all participants Already a trainer? Learn how to make an affordable transition to self-employment, or become a Medical Exercise Specialist.

Teacher Bio: TRUDY BEERMAN owns a successful Personal Training Safety, and Wellness company. She holds multiple certifications in fitness and is a certification educator for Personal Training, Aerobics, and Medical Exercise Specialists. Materials fee to teacher: $5 Price: $59.00

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Class Name: 25 HOT HOME-BASED BUSINESSES

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: STEVE VELTKAMP

Days: Mon Time: 6:30pm-9:30pm

Description: Want to be your own boss, but not sure what kind of business to start? We’ll explore at least 25 profitable home based businesses that you can start for less then $1,000. In fact, many can be started for almost nothing!! For each business, we’ll discuss start-up requirements and finding the market niches, as well as provide you with an action plan to get going. We will also cover why some businesses will fit you better than others. While we only have time to cover these businesses, the most important benefits will be freeing your creativity about the many ways that people can make a living from their home. “If you always do what you’ve always done, you’ll never get more than what you’ve already got.” This class can be your key to an exciting and profitable future!

Teacher Bio: STEVE VELTKAMP is a multi-preneur with boundless energy and creativity. After his Navy military duty, he created an advertising agency specializing in start-up and small businesses, and expanded his consulting, publishing, trade and speaking engagements. Called the “master of multi-tasking” in Success Magazine, Steve is also the author of a number of nationally published manuals. Materials fee to teacher: $5 Price: $45.00

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Class Name: SCAMBUSTER EXTRA!! EXTRA!! Get Rich Quick! No Work Needed! Make $5,000 per week!

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: STEVE VELTKAMP

Days: Mon Time: 2:00pm-5:00pm

Description: The old saying goes, “If it sounds too good to be true, it probably isn’t.” Yet the con artists are clever, and most people get sucked into at least one scam in their life. Some get ripped off regularly. In this class, we examine how over 20 scams work, and how to avoid being taken. From the Nigerian 419 scam to pyramid schemes, we expose it all, including many scams where you may not even know you are being snookered. There are crooks everywhere trying to separate you from your money. This class makes you scamproof!

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Class Name: CREATIVE ORGANIZATION FOR “PILERS” Techniques For Low Time-Investment Organizing of Your Workspace

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: STEVE VELTKAMP

Days: Sat Time: 9:00am-12:00 Noon

Description: You’ve heard and read about all the advantages to getting your life, your work and your space organized. You make resolutions to finally get everything in its proper place - doesn’t happen. The “mess” continues to defy any of your attempts to “clean up.” The problem is not you – the problem is that most of the ways we are told to organize were designed by organizing nuts! Their minds are methodical, and organizing comes natural to them. Your mind simply won’t work that way! They tell you to file, your mind wants to pile. They tell you to throw almost everything away, you want to keep everything. Instead, learn how to take control of the mess. We use techniques that are ideally suited for those who hate filing, who can’t keep one of those fancy organizer notebooks organized. You’ll learn how to finally stop wasting time looking for things without substituting wasting time filing things. In fact, all the techniques we cover are low-time investment. Let’s face it, you hate spending time on this organizing stuff. Your workspace will look better, and you’ll be more efficient without turning into one of those “wound too tight” types.

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Class Name: HOW TO BUILD BUSINESS CREDIT

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: GERRI DETWEILER

Days: Thur Time: 6:30pm-9:30pm

Description: Small business owners often find themselves using personal credit cards to fund their business. But that can be costly …and risky! Let national credit expert Gerri Detweiler show you how to build a positive business credit profile and obtain business loads without personal guarantees! You will learn: • Which companies compile business credit reports and how they work • How to build a strong business credit report • Strategies for establishing positive business credit report even if you have poor credit • How to use your business credit to lease vehicles, equipment and much more! This course is essential for any start-up business or professional corporation.

Teacher Bio: GERRI DETWEILER is considered one of the country’s top credit specialists. She is author of The Ultimate Credit Handbook and coauthor of Invest In Yourself: Six Secrets to a Rich Life and Slash Your Debt, Save Money & Secure Your Future. Gerri is dedicated to helping consumers find reliable solutions to their debt consolidation and loans for those with damaged credit. She is also a national mortgage broker and has been interviewed by USA Today, The Wall Street Journal, New York Times, Dateline NBC, and others. Price: $29.00

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Class Name: HOW TO START A PROFITABLE EVENT PLANNING BUSINESS Meetings, Conventions, and Fund-Raising Events are a Multi-Billion Dollar Business

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: STEVE VELTKAMP

Days: Fri Time: 6:30pm-9:30pm

Description: Start a Professional Event Planning Business arranging successful events. This business is very well compensated for doing just that. Even smaller events such as birthday parties require planning and some people would much rather hire an event planner to make things special. Event planners can work from home and are in demand for their creativity and knack for details. Learn how to attract customers, price your services, market the event, coordinate suppliers and agenda, and manage your business. You’ll receive a list of resources that will save you time and help you make more money in your event planning business!

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Class Name: CREATE A RETAIL BUSINESS ON THE INTERNET Have A Great Idea For An Online Store – Or Want To Put Your Existing Business Online?

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: STEVE VELTKAMP

Days: Fri Time: 2:00pm-5:00pm

Description: Want to know how to market and sell your products on the Internet, reaching millions of potential customers? This information packed seminar with Steve Veltkamp, founder of the profitable Bizshop series of online sites, will tell you exactly how to get started, answer all your questions, and reveal: • The advantages of Internet retailing • How to get and keep your customer’s attention • How to price your product for maximum profits online • How to accept credit cards, checks and other forms of payment on the Web • What really works on the Internet and what doesn’t • How to design your Website to make things easy for your customers to buy • Shopping cart systems and online purchasing • How to form mutually advantageous online alliances • How to drive traffic to your online store • Keys to growing your online business This class is a goldmine of tips to get your Internet business up and running quickly.

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Class Name: START A PROFITABLE INFORMATION BROKER BUSINESS Are you an information junkie? Like finding great tidbits of information?

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: STEVE VELTKAMP

Days: Thur Time: 6:30pm-9:30pm

Description: You are an ideal candidate to start a successful Information Broker business. In this Information Age, we seem to be drowning in facts – too much info makes it hard to find what we want. The Information Broker does research, organizes and packages the information, and then sells it to clients or the public. We’ll discuss ways to find clients, a host of ways to improve your searching, and how to package the information for maximum profit. If you want to start your own information broker business or just want to learn how to find information more quickly online and off, this seminar is for you.

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Class Name: IRRESISTIBLE WEBSITE PROMOTION

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: STEVE VELTKAMP

Days: Thur Time: 2:00pm-5:00pm

Description: There are hundreds of thousands of websites going onto the Net every day. What you need to do is to rise above the rest, to attract a growing number of visitors – and buyers - to your website. In this technique-packed seminar we will explore how to register in the search engines and boost your placement, as well as all the other ways to promote your website –some much more effective than the search engines alone. We will also cover how to handle the flood of visitors and orders that may result from your promotion efforts, how to keep those visitors coming back and enlist them to help you in your web success. If you have a website now, or are planning one, you need this seminar!

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Class Name: BREAK INTO IMPORT/EXPORT

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: STEVE VELTKAMP

Days: Wed Time: 6:30pm-9:30pm

Description: Discover new places and meet interesting people while traveling all over the world – and have each trip earn you a healthy profit! This is the world of the import/export business. From clothing made in Indonesia to shoes made in Korea, to Swedish cars on the highway, imports are everywhere. Every one sold makes money for the importer. People all over the world are eager to buy American products, and exporting assistance is in demand. Participants in this workshop will learn how to spot import/export opportunities, identify potential products and arrange for shipping and customs clearances. We will also show you how to find sources of assistance, obtain a Letter of Credit, and expand your line into new markets. Travel overseas while looking of bargains, selling at a great profit, and even deduct the trip from your taxes!

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Class Name: MOONLIGHTING Become Your Own Spare Time Cash Machine

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: STEVE VELTKAMP

Days: Wed Time: 2:00pm-5:00pm

Description: Whether you need extra cash for a special reason or just want to ease into self-employment, this class offers a variety of ideas on how to make additional income without quitting your current job. Discover low cost business ideas that can make the difference between just getting by and finally getting ahead. Discuss maintaining a sense of balance and the ethics of moonlighting.

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Class Name: GET PAID TO SHOP AND RUN ERRANDS You Love To Shop – Why Not Make Money On Those Shopping Trips

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: STEVE VELTKAMP

Days: Tue Time: 6:30pm-9:30pm

Description: Instead of just spending money, get paid to shop. For a low start-up cost, you can establish a personal shopping or errand business to help busy people and shut-ins. By doing their daily tasks, shopping trips and chores, you can rapidly become invaluable – and well compensated! Choose the perfect gift; drop off film and dry cleaning, shop for groceries, and more. Customers will soon realize they can’t live without you! This course shows you how to get started, attract clients, market your services, set prices and make good profits!

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Class Name: HOW TO START A PROFITABLE CRAFTS BUSINESS Crafts Are A $6.2 Billion Dollar Industry – Why Not Get Your Share

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: STEVE VELTKAMP

Days: Tue Time: 2:00pm-5:00pm

Description: Can you create beautiful and interesting crafts? Crafts are more than a hobby. This class will help you turn your hobby into a moneymaking business. Even if you are already selling your crafts, you’ll discover dozens of tips on how to improve sales and profitability. You’ll learn how to prepare your crafts for selling, set prices, find the best outlets and expand your market or line. Marketing effectively is the key to profits and this seminar will show you how to do it on a low budget. We can’t show you how to make your crafts, but we will provide you with the knowledge necessary to turn your crafts into a solid source of income. We’ll also provide source listings on where you can obtain your materials for less and the basic business knowledge to keep your enterprise running successfully.

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Class Name: BU230-“SPEAK AND GROW RICH” 2 day Master Weekend Event in Orlando (Aug 20-21) Supercharge Your Speaking Skills and Soar to Financial Success

Location: Orlando Category: BUSINESS, FINANCE and CAREERS Teacher: DOTTIE WALTERS

Days: 2 day weekend Time: TBA 2 all-day sessions

Description: Put your speaking career on the fast track. This workshop is based on Dottie Walters’ best-selling book, Speak and Grow Rich, long considered to the THE handbook for the professional speaking industry. Learn to market your programs, products and services for explosive results throughout your career! No matter where you are in your speaking career, the powerful information you receive at this special workshop is always relevant and practical. You get Dottie’s insider secrets that focus on critical areas of expertise and growth. This is the best and most complete information available for today’s speaker!

Teacher Bio: DOTTIE WALTERS is the best there is. For more than 30 years, she has been the leader in the speaking industry, delivering her “magic” to audiences across the country and around the world. She is also a best-selling author and highly sought-after consultant to the world’s most successful self-marketers. Find out what other successful speakers, authors and consultants already know – that what Dottie Walters can tell you can make or break your career. Learn exactly what it takes to move quickly from the basics to the most lucrative levels in your speaking, writing or consulting career. Neither a “beginner” nor “advanced” course, this workshop addresses both ends of the spectrum by concentrating on the key areas that are essential to first grasping, then, mastering products and services like a pro! Price: $599.00 and includes meals

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Class Name: PROTECT YOUR IDEAS An Introduction to Basic Intellectual Property

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: FRANK ARENAS

Days: Tue Time: 6:30pm-9:30pm

Description: This overview of the basics of Intellectual Property law will be useful for businesses and individuals in almost all areas of interest. Learn the difference between trade secrets, patents, copyrights and trademarks as used in today’s business climate. Protect your ideas (and hard work) by realizing that innovative thoughts and creative works are your property, just like your clothes or car. You own them. But, unless you protect your ideas (your property) within certain time frames, they can be taken and used by others for their profit. Find out the best ways to protect and profit from your brain power. This class is for beginners. You will learn how to protect your trade secrets and how to fine a patent, copyright or trademark with the U.S. government to give you legal protection under U.S. laws.

Teacher Bio: FRANK ARENAS obtained his first U.S. patent in 1982. Educated as an engineer and attorney, Frank is also a Registered Patent Agent with the United States Patent and Trademark Office. As a business owner since 1978, Frank has dealt with intellectual property projects (trade secrets, patents, copyrights and trademarks) since 1977 and knows how much work is involved in creative ideas and how to protect them. His lecture is spiced with personal stories based on experience in the business world – anyone in business, art, computer science or law, please come listen and learn. Materials fee to teacher: $5 Price: $35.00

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Class Name: BU241-Basic Business Law

Location: North Tampa, TBA Category: BUSINESS, FINANCE and CAREERS Teacher: Frank B. Arenas

Days: TBA Time: TBA

Description: An overview of the important foundations of Business Law in today's environment. Topics will include contracts (students are requested to bring in a contract they have recently signed for analysis - cell phone, car loan, etc.), property, the legal system and the anatomy of a lawsuit. Very practical and useful information for everyday life and business owners.

Teacher Bio: Frank B. Arenas - Spiced with personal stories from Frank's 27 years as a business owner, educated as an engineer and attorney, this course will be valuable to you in all aspects of personal and business life. Price: $49.00

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Class Name: SHOPPING SAVVY Secrets to Living Well On Your Budget

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: MINA MCBRIDE

Days: Wed Time: 6:30pm-9:30pm

Description: Fun, Informative workshop to develop or strengthen the shopping knowledge of attendees Sample Content: • Food, food, food – Saving money while grocery shopping and dining out • Secrets Car Salesmen don’t want you to know • Looking Good – Saving on clothing • Auction Fever • Entertaining without breaking the bank Why Shopping Savvy? Did you know… • In surveys, shopping is rated the #1 vacation activity • The average American has over 9 credit cards • It takes over $60,000 in today’s income to match $40,000 of 1977 buying power

Teacher Bio: MINA MCBRIDE Why should I be the one to teach this course? • I’ve been doing the mainly grocery shopping since I was barely nine years old • Privy to “insider” information regarding the car purchase process and how to get the best deal • Previous co-owner of a custom clothing business • Avid auction participation/purchaser of both live and internet auctions • 5+ years experience with party planning for groups of 20-100 • I LOVE A GREAT BARGAIN Materials fee to teacher: $0 Workbook included Price: $29.00

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Class Name: SHOPPING SAVVY Secrets to Living Well On Your Budget

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: MINA MCBRIDE

Days: Thur Time: 6:30pm-9:30pm

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Class Name: CREATE AN INVESTMENT POLICY STATEMENT

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: GEORGE R. BORAIKO

Days: Mon Time: 6:30pm-9:30pm

Description: The foundation to any solid financial plan, and Investment Policy Statement will direct and edify every financial decision you make. A NECESSARY TOOL FOR FINANCIAL WEALTH BUILDING, for working with financial planners, brokers, your banker, and other investment advisors. The Investment Policy Statement is based on your health, age, current working status, financial attitudes, budgetary requirements, and other factors, and becomes your “Customer Rule Book.” The consequences of NOT having one may be inappropriate transactions, misdirection of equities, over-trading, or inappropriate investment vehicles and timeliness. Discover the components of a solid INVESTMENT POLICY STATEMENT and go home with a template for creating your own. THIS WORKSHOP IS FOR EVERYONE WHO WANTS TO UNDERSTAND HOW TO BUILD THEIR PERSONAL WEALTH.

Teacher Bio: GEORGE R. BORAIKO has over 20 years experience in real estate syndication, investments and financial management, and business consulting. Price: $60.00

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Class Name: HOW TO CREATE PERSONAL WEALTH

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: GEORGE R. BORAIKO

Days: Mon Time: 6:30pm-9:30pm

Description: It is not as difficult as you may think to become financially wealthy. It is a matter of following proven strategies – no gimmicks, no games. This workshop will reveal the obvious truths about creating and accumulating wealth and how a few changes in your life can make you financially wealthy too. We will cover: • Wealth – What is it • Who is wealthy and why? • Preparation for change – Who am I? Where am I? • Tools you have to work with NOW • Tip on goal setting and time management If you seek a better life rich in personal wealth, you will not want to miss this new workshop.

Teacher Bio: GEORGE R. BORAIKO has over 20 years experience in real estate syndication, investments and financial management, and business consulting. Price: $60.00

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Class Name: ADVANCED TECHNIQUES TO CREATING PERSONAL WEALTH

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: GEORGE R. BORAIKO

Days: Mon Time: 6:30pm-9:30pm

Description: It has been said “If you are not in the ballgame, you cannot win – homerun hitters strike out the most often – yet they make the most money.” We will show you how to further develop your personal wealth creation program through the following tips and strategies: • How to identify 12 types of risks • How to overcome and work with your personal biases • How failure ultimately = SUCCESS, just like the homerun hitters If you have taken steps in HOW TO CREATE PERSONAL WEALTH, then you will not want to miss this workshop to advance your wealth building strategies.

Teacher Bio: GEORGE R. BORAIKO has over 20 years experience in real estate syndication, investments and financial management, and business consulting. Price: $60.00

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Class Name: MARKET YOURSELF TO SUCCESS How to Market & Promote Yourself For Personal and Business Success!

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: STEVE GAVATORTA

Days: Thur Time: 6:30pm-9:30pm

Description: Are you looking to score that new job, promotion, relationship or ultimate life? You can achieve all of those by learning how to market and communicate your best product: YOU! Successful companies build great marketing plans on solid fundamentals. You to can apply those same principles to Market Yourself To Success. In this practical workshop, motivation expert Steve Gavatorta will lead you through his easy 5-step marketing approach to help you achieve your goals! You will learn how to: • Determine your marketing strategy to “attract” your target audience • Market yourself based on your “strengths” and what is most important to you • Focus on what drives you to take “consistent action” • Become a great communicator – “builder of relationships” • Stand out, be recognized and “be remembered” BONUS: Each student will receive communication & motivational assessment results – For immediate application!

Teacher Bio: STEVE GAVATORTA specializes in helping both individuals and businesses identify, attain and exceed their goals. With a vast 18-year career in high profile Fortune 500 companies, Steve has provided the experience, training and insight to assist his clients in maximizing their full potential. Steve is a Certified Professional Behavioral Analyst (CPBA) and Certified Professional Values Analyst (CPVA). He holds a degree in Economics and is active in the community. He is also a former board member of Big Brothers. Price: $49.00

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Class Name: THE DEATH OF CUSTOMER LOYALTY

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: JIM KISSANE

Days: Mon Time: 6:30pm-9:30pm

Description: Do you think you have a loyal customer following? Think again! The typical business will replace 50% of its customers every 5 years. Replacement costs for a single customer can run from a few hundred dollars to tens of thousands. Can your business afford this? This practical and informative educational workshop provides practical exercises and insights to apply immediately to your business or organization. We will show you why customers today often feel limited attachment to your business, why and how they leave you, and what you can do about it. At this workshop, you will also leave with a concrete understanding of: • Why customer satisfaction is not adequate • What your staff can not tell you – and your customers will not tell you • Why most businesses can not “outsell” their customer attrition losses • What drives “true” Customer Loyalty today • How to measure the “Lifetime Value” of a customer • What customer attrition costs your business, in tangible terms • Immediate strategies you can implement to improve your relationship with your customers This informative session will provide you a new and different way to look at your customer base and realize the potential and increased profits from it.

Teacher Bio: JIM KISSANE has spent over 30 years in industry and was instrumental in the launch of new markets, technologies, business ventures and spin-offs. Jim is best known for his ability to inform his audiences in a meaningful manner. While many speakers aim to give the audience a short-term change, Jim’s program is designed to bring about long-term change. Materials fee to teacher: $10 Price: $39.00

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Class Name: $$$ TRAVEL FOR FREE AND MAKE MONEY $$$

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: KELLY SUTMAIER

Days: Tue Time: 6:30pm-9:30pm

Description: Discover how you can book cruises, airlines, tours via the internet or by calling wholesalers and consolidators, always making $$ on commissions and earning free travel for yourself. Our travel instructor will offer up-to-the-minute info on how the travel industry business works today, including how to take advantage of credit card and airline points on every dollar you spend. From free cruises and tours to exotic hotel stays, learn the Fun and Mon of Travel. Make this your first step toward travel fun and profit!! Includes handout with tips and resources.

Teacher Bio: KELLY SUTMAIER, CTC (Certified Travel Counselor) has been in the travel agency industry for 30 years and is owner a travel agency. She has enjoyed travel in over 50 countries. Price: $39.00

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Class Name: WINNING STRATEGIES IN THE EMPLOYMENT SEARCH GAME

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: JANE VAUGHAN

Days: Tue Time: 6:30pm-9:30pm

Description: Have you been laid off, downsized or are you underemployed? This course will provide strategies to effectively stage an employment search. How do you stand in the crowd of employment seekers? Many of the old employment rules are no longer effective. Learn new and effective approaches to stage your job hunt. Topics include: • Effective Resume Writing for your individual needs • Customizing your resume for each employment area you seek • Preparing your references to your advantage • Utilizing technology in your Job Search • Tricks to find those hidden job opportunities • Valuable strategies before, during and after your interview • Transitioning into your new employment

Teacher Bio: JANE VAUGHAN, B.A., is a rehabilitation professional assisting special needs clients with resumes, job searches and reemployment. She has reviewed resumes, interviewed and hired employees for over 10 years. She has been a public speaker in a number of areas for over 20 years. Materials fee to teacher: $5 Price: $30.00

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Class Name: WINNING STRATEGIES IN THE EMPLOYMENT SEARCH GAME

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: JANE VAUGHAN

Days: Mon Time: 6:30pm-9:30pm

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Class Name: DISCOVER SELF EMPLOYMENT OPTIONS THAT MEET YOUR GOALS

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: JUDY WADE

Days: Tue Time: 6:30pm-9:00pm

Description: For those at a crossroads in their career, this informative workshop will help you evaluate whether or not self-employment is a good option for you. Tired of the Corporate Rat Race? Are you unemployed again due to another merger or downsizing? Maybe you are happy in your career but are exploring alternative paths to realize a larger return on your investment dollars. If you can relate to any of these scenarios, this interactive workshop will be both informative and productive for you. The pros and cons of various types of self-employment will be discussed and your questions will be answered. A Style Analysis assessment tool, which is valued at $395, will be given to each participant and a comprehensive report of its findings will be shared at a subsequent one-on-one meeting.

Teacher Bio: JUDY WADE is a business coach with a firm specializing in career options. After a successful career in Corporate America for over 20 years, Judy took the leap of faith to become a business owner and shares those experiences with class members. Using a proven system, Judy shares knowledge of self employment opportunities across the country. She will show you how to find a business that meets your goals, needs, and expectations. Price: $59.00

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Class Name: THE COMPLETE FINANCIAL MANAGEMENT WORKSHOP

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: JACK L. BEATTY, MBA

Days: Thur Time: 6:30pm-9:30pm

Description: Hows Your Personal Wealth? Answers to All Your Questions About Creating a Sound Financial Future No matter what age or stage in life you are, this workshop will help you assess and create a more sound financial future. You will leave knowing how to assess your financial position and how simple strategies can be combined to provide creative solutions for pursuing your goals. Take home a full-color, 175-page workbook on financial management. This incredible resource is overflowing with helpful information, useful insights, and easy-to-use worksheets. It was specifically designed to help you identify your needs and evaluate your options. It will be a valuable resource to you long after our workshop has ended. The 6-Keys of Sound Financial Management: • Cash Tips & Tools - Proven financial strategies can help you increase your cash flow. Find out how to reduce debt and build your net worth. • Risk Management - Safeguard your money and assets. Discover if you are under-insured or over-insured. Learn strategies that can help protect your family's future. • Tax Strategies - Assess your tax liability. See how tax-favored investing can help you keep more of your income. Discover proven tax-reduction strategies. • Investment Planning - Evaluate your risk tolerance. Avoid common investment mistakes. Find out how to balance volatility and stability. Learn the common characteristics of people who have achieved long-term success. • Retirement Answers - Estimate how much you will need to retire. Learn how to help keep inflation from eroding your retirement income. • Estate Basics - Preserve more of your estate for your heirs. Learn how to keep your estate out of probate. Find ways to help reduce estate taxes.

Teacher Bio: JACK L. BEATTY, MBA, is a Certified Financial Planner ™ and independent financial adviser with a leading financial services firm in the Tampa Bay area. Materials fee to teacher: $15 Price: $35.00

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Class Name: INCREASE YOUR SALES (AND MAKE MORE MONEY)

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: MARK WATERS

Days: Tue Time: 6:30pm-9:30pm

Description: Are you working for a company that provides limited (if any), sales training? Are you an experienced salesperson and want to insure you stay at the top of your game? As a small business owner are you also your company’s salesperson? Looking for ways to increase your sales results? Then, this three-hour seminar is for you. Through targeted strategies, tools, and techniques you will learn how to: • Set yourself apart from your competition by using a consultative sales approach. • Use activity management to accurately predict the number of leads needed to reach a sales objective. • Develop qualifying techniques that reduce wasted time and lead to higher close rates. • Customize a probability checklist to identify key objectives and account strategies. • Utilize a targeted questioning technique designed to get you the information that you need. • Create sponsors - key internal contacts motivated to promote your sales message! • Identify the four types of objections and how to overcome them. This seminar could give you the edge in today’s highly competitive marketplace, so why not invest in yourself? Just one new technique alone could easily pay for itself through more sales. Class size will be limited to provide more interaction, so sign up now!

Teacher Bio: MARK WATERS, MBA, is a consultant with 18 years of sales and management experience from IBM, AT&T, Lucent Technologies, and Avaya Inc. Using his extensive background in successfully selling to small and medium sized businesses, he has taught courses worldwide and is well known for his dedication to helping salespeople reach their maximum potential. Materials fee to teacher: $5 Price: $45.00

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Class Name: INCREASE YOUR SALES (AND MAKE MORE MONEY)

Location: Pinellas Category: BUSINESS, FINANCE and CAREERS Teacher: MARK WATERS

Days: Thur Time: 6:30pm-9:30pm

Description: Are you working for a company that provides limited (if any), sales training? Are you an experienced salesperson and want to insure you stay at the top of your game? As a small business owner are you also your company’s salesperson? Looking for ways to increase your sales results? Then this three-hour seminar is for you. Through targeted strategies, tools, and techniques you will learn how to: • Set yourself apart from your competition by using a consultative sales approach. • Use activity management to accurately predict the number of leads needed to reach a sales objective. • Develop qualifying techniques that reduce wasted time and lead to higher close rates. • Customize a probability checklist to identify key objectives and account strategies. • Utilize a targeted questioning technique designed to get you the information that you need. • Create sponsors- key internal contacts motivated to promote your sales message! • Identify the four types of objections and how to overcome them. This seminar could give you the edge in today’s highly competitive marketplace, so why not invest in yourself? Just one new technique alone could easily pay for itself through more sales. Class size will be limited to provide more interaction, so sign up now!

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Class Name: MANAGING FOR SUCCESS ®

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: STEVE GAVATORTA

Days: Tue Time: 6:30pm-9:30pm

Description: What is it that causes you to move into action? What are the drivers of your behavior? What activities, careers and conversations inspire a “passion” within you, causing you to want to become involved? The Personal Interest, Attitudes and Values ™ assessment measures the WHY of your actions, leading to an understanding of what drives your behavior and attitudes that move you into action. - Career development and transition. Know the WHY of your actions - Understand and minimize the causes of conflict - Develop an increased appreciation for the uniqueness of others - Appreciate the viewpoint of others who see life differently - Increase your satisfaction and fulfillment in life - Understand the Origins of Your Motivations and Frustrations

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Class Name: DYNAMIC COMMUNICATION ™

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: STEVE GAVATORTA

Days: Fri Time: 6:30pm-9:30pm

Description: This behaviorally based communication seminar teaches you how to communicate by learning 4 key behavioral/communication types as a way of understanding yourself and others. Learn to interact with the styles of others in both your personal and professional lives. Enhance your selling/presentation skills and interpersonal relationships through effective communication skills. - Understand your own behavioral/communication style - Recognize, understand and appreciate others style - Adapt for enhanced communication, understanding relationships

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Class Name: HOW TO BECOME A $1,000-A-DAY CONSULTANT *** This profitable business can make you a full-time income even if you only work part-time***

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: PAUL MLADJENOVIC

Days: Fri Time: 3:00pm-6:00pm

Description: According to a recent survey, successful consultants earn $1000 a day, sometimes more. This nuts-and-bolts course with Paul Mladjenovic will teach you to start and run your own consulting practice using what you already know. Learn how to: • Develop your expertise and gain “expert” credentials • Set your fees and write winning proposals • Find customers using zero-cost marketing • Use the Net to find clients, resources and opportunities • Do easy, profitable writing and self-publishing to make even more… And that is not all. Paul will tell you how to get powerful tax benefits by writing off business meals, your home office, home computer and so on… all with the blessing of the IRS. You will also find out how to get quoted as an expert by the media to gain prestige and visibility.

Teacher Bio: PAUL MLADJENOVIC is a National who conducts upward of 150 seminars per year. He is a certified financial planner, business consultant and home business specialist. His publications include: The Unofficial Guide to Picking Stocks, Zero-Cost Marketing, and How to Become a Recognized Expert in Only 6 Months! Paul has appeared on countless syndicated Radio and TV programs and brings his expertise to the Tampa Bay area on this occasion for YOU. Materials fee to teacher: $FREE for the Consultant’s Success Kit (a $20 value!) Price: $60.00

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Class Name: HOW TO BUY, SELL AND PROFIT ON EBay Create a Second or Full-Time Income Stream

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: PAUL MLADJENOVIC

Days: Fri Time: 7:00pm-9:30pm

Description: Online auction sites like eBay are a treasure trove for buyers – and a gold mine for sellers. This information-packed course will reveal how you can take advantage of the fast-growing world of online auctions as a buyer or seller. You’ll get lots of practical information from Paul Mladjenovic, one of the country’s top home business and Internet entrepreneurs. He’ll cover: • Why it’s so easy to find people willing to pay big money for your junk • What sells, including stuff you’d never think of • Insider tips for making your listings more attractive • Things that are hot on eBay right now • How to turn $10 spent at a flea market into $500 in cyberspace • And more…..

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Class Name: THE $100,000-A-YEAR INFO-PRENEUR Make Big Money by Finding and Marketing Information!

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: PAUL MLADJENOVIC

Days: Sat Time: 2:00pm-5:00pm

Description: Being an Info-preneur is a low-cost, low-risk, high-profit business you can run from home, part-time or full-time. We live in an information age and you can participate as an information entrepreneur. Market your specialized knowledge or find it by simple research. Knowledge and quality information is a commodity you can package and sell to others. Publish it as your own tailor-made product that you can have produced as a book, report, ebook, ezine, newsletter, software, audio tape, video, consulting or seminar! This class is loaded with resources, Internet websites and nuts-n-bolts information to help you become successful as quickly as possible. You will even learn how to do zero-cost marketing and how to become a recognized expert in the media. Cash in on the information boom starting today!

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Class Name: ULTRA-INVESTING USING OPTIONS

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: PAUL MLADJENOVIC

Days: Sun Time: 3:00pm-5:30pm

Description: This course is not for the financially risk-averse! Learn the strategies that experienced investors are using to make tremendous profits in the world of options. The instructor has students and clients that have turned $2,000 into $100,000 in under six months! Use options on stocks, indexes, gold, oil, or other commodities. With these investments, you can make a small fortune overnight or (if you’re not careful) lose one. This course shows you how to do it the right way from an investment pro that is consistently doing it successfully. This exciting one-session program shows you how to minimize your risks and maximize your gains. Learn safe strategies with call & put options, speculate with as little as $500, use options for either quick gains or a steady income. Learn to use resources and websites to help you track the markets and gain the valuable information you need to succeed. If you want a serious approach to learning how to make money quickly by using the tested techniques and proven methods, this is the place to start

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Class Name: CASHFLOW INVESTING How to Generate Passive Income to Achieve Financial Freedom

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: PAUL MLADJENOVIC

Days: Sun Time: 12:00pm-2:30pm

Description: Whether you’re retired or not, a baby boomer, senior citizen or “generation X” this information seminar will help you build a powerful income-producing portfolio! Imagine making money even if you’re relaxing on vacation. Take some easy steps now to ensure either a safe, sound retirement (regardless of what happens with Social Security) or boost your current income to enjoy a better life. Paul’s seminar will help you accelerate your wealth-building process. Find out: • How you can project your financial cashflow needs in 5 minutes • How to boost income from stocks, bonds and mutual funds • How to generate cashflow even from investments that don’t provide income • The Pros and Cons of reverse annuity mortgages • Using options to create yields of 10-20% from your stocks with zero risk • Find or start Internet Businesses that can offer automatic & regular income • Learn about resources & strategies that make wealth-building easy and fun With the aging of America and with uncertainty and pitfalls, you can take action now to decrease your worries and vulnerability and replace them with contentment and satisfaction by using the strategies and resources offered in a seminar provided by one of the nation’s top financial pros.

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Class Name: BU480-BUYING AND SELLING A SMALL BUSINESS

Location: New Port Richey Little Rd. Across from Courthouse Category: BUSINESS, FINANCE and CAREERS Teacher: HOWARD IKEN

Days: Thur Time: 6:30pm-8:30pm

Description: This course will assist anyone contemplating or actively pursuing the sale/purchase of a small business. Various factors of safety and success will be discussed such as: • Evaluating the health of the business • Opportunities to increase value • The Due Diligence Process • Use of Attorneys and CPA’s • How to use Brokers The goal of this seminar will be to successfully sell your business for its true worth, or to buy a business in a safe and profitable manner. If you are currently involved in a buy/sell situation, bring your info as a case study.

Teacher Bio: HOWARD IKEN founded a small business that started on his dining room table and grew into a 21 employee, multi-million dollar company. He sold the business in 2001 for enough money to retire and pursue his new interest, helping other small business owners achieve success. He is a business consultant and lecturer on small business matters. Also, Mr. Iken is currently a practicing Attorney in Pasco County. Price: $40.00 - Minimum of 2

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Class Name: $$$ HOW TO GET INTO VOICE-OVERS $$$ Have you ever wondered if you had what it takes to do voice-overs on the radio or TV?

Location: Category: BUSINESS, FINANCE AND CAREERS Teacher: GINNY KOPF

Days: Sat Time: 9:30am-12:30pm

Description: In this interactive workshop, you will get a chance to read real commercial copy on a microphone and get expert critiques and advice from the instructor, who has taught voice-over technique in Orlando for 15 years. You will come away with dozens of tips on how to: • Sight-read and quickly interpret copy • Use your voice expressively • Discover the range of types you can play. Also, background information on: • How to make a demo • How to use Mic technique • What to expect in a studio • How to market and get voice work Whether for extra $$ or a full-time career, come learn just what it takes to get started in the exciting business of doing commercial voice-overs! Testimonial: “Enlightening, Enriching and Enjoyable” – D.J., Tampa

Teacher Bio: GINNY KOPF has been a voice, speech and dialect trainer to actors, singers and voice-over artists for over 20 years. She teaches Acting, Voice, and Dialects courses at Valencia Community College, Voice-over and Dialect courses at L.A. Acting Workshop in Orlando, and privately at her Orlando studio. Kopf, author of The Dialect Handbook and Accent Reduction Workshop and several journal articles, holds an MA in Theatre Speech and an MFA in Vocal Science. Price: $45.00

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Class Name: BECOME A FASHION AND IMAGE CONSULTANT

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: JOANN TORRETTA

Days: Wed Time: 6:30pm-9:00pm

Description: Voted as one of the top ten careers of the 21st Century! You will learn to transform your “eye” for fashion and creativity into a rewarding career. Discover the wide variety of services needed by Personal, Corporate and Media Clients. You will also learn how to locate professional resources for training and certification, become a “personality” with your own online image website, enjoy flexible hours and earn “big bucks” in this emerging field. Be your own boss!

Teacher Bio: JOANN TORRETTA is nationally recognized fashion and image consultant. She has coached over 60,000 women and men from political candidates to media personalities. Price: $39.00

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Class Name: SOCIAL SECURITY, DISABILITY CLAIMS AND APPEALS

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: PAUL W. PROTO

Days: Wed Time: 6:30pm-9:00pm

Description: During this course you will obtain information regarding what is necessary to obtain and maintain benefits under the Social Security Act. The information is appropriate not only to individuals seeking benefits, but also to Health Care, Law and Insurance professionals. Continuing Education Credits are available to Attorneys, Rehabilitation Professionals (CRC) Social Workers and Work Comp. Adjusters.

Teacher Bio: PAUL W. PROTO has personally represented thousands of individuals before the Social Security Administration. He has appeared on TV, Radio and most recently has been seen on the McNeil-Lehrer News Hour. Materials fee to teacher: $5 Price: $34.00

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Class Name: HOW TO BUY AN AUTOMOBILE

Location: Category: BUSINESS, FINANCE and CAREERS Teacher: WILLIAM HAGER

Days: Wed Time: 6:30pm-9:30pm

Description: Most people would rather go to the dentist for a root canal than shop for a vehicle! Is this you? I can teach you how to take control and be in the drivers seat! By investing the price of this class, I can help you save hundreds of dollars in unnecessary costs on your next vehicle. Put yourself in the driver's seat as a buyer the next time you purchase a vehicle. Whether you're buying new or used, customer relations manager William Hager will share his extensive knowledge on automobile buying practices in two high-content, informational evenings. He'll offer tips on how to: • Get the most $$ for your trade • Avoid being taken advantage of by the most common tricks dealers use • Escape deception, including purchasing a lemon • Find the best websites and other research resources • Understand credit scores and interest rates to avoid being overcharged • What is in the fine print of warranties and sales contracts

Teacher Bio: WILLIAM HAGER has a lifelong passion for automobiles, from classic to current, including extensive experience in retail and internet automotive sales and customer relations. An award-winning sales training manager, he is currently a customer relation’s manager for a national manufacturer. Materials fee to teacher: $5 Price: $39.00

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