Montana State University

Joel Schumacher

Montana State University
Extension Economics
P.O. Box 172800
Bozeman, MT 59717-2800

Tel: (406) 994-6637
Fax: (406) 994-4838
E-mail: jschumacher@montana.edu
Location: 210D Linfield Hal


Marsha A. Goetting

Montana State University
Extension Economics
P.O. Box 172800
Bozeman, MT 59717-2800

Tel: (406) 994-5695
Fax: (406) 994-4838
E-mail: goetting@montana.edu
Location: 208C Linfield Hall

Solid Finances Logo

Upcoming Webinars

Click here to download schedule (PDF)

All sessions will be held on Wednesday’s from 12:05 to 12:55 (Mountain Time).  The first session will be held on September 24th. 

Date Title/Presenter Description

Student Loans and Borrowing

September 24

The Myths of Financial Aid/Student Loans

Carrie Johnson
South Dakota State University-Extension

There is so much information about financial aid and student loans available to the public. However, there is also a lot of “wrong” information out there. This session will look at some common myths about the financial aid process and student loans and provide you with accurate information regarding them.

October 1

Refinancing Student Loand & Co-Signing Student Loans

Carrie Johnson
South Dakota State University-Extension

Making student loan payments is necessary upon graduation. The majority of student loan borrowers are unaware of options they may have to reduce their student loan payments or how to pay their loans off faster to avoid large interest fees. In this session we will take a look at repayment plans, consolidation options, and forgiveness programs offered through the Federal government.

October 8 Repayment Options for Montana Borrowers

Cheryl Poelman-Allen
Montana University System Office of Student Financial Services

When it comes to repaying your federal student loan, there’s a lot to consider.  Understanding the details of repayment can save you time and money.  In this session, you will find out when repayment starts, how to make your payment, repayment plan options and what to do if you have trouble making payments. Understanding the repayment process for your federal student loans can go a long way toward building a solid financial foundation.

October 15

Car Buying and Car Loans

Joel Schumacher
Montana State University-Extension

Purchasing a car is often a major financial commitment.  Even the least expensive new cars on the market are typically over worth over $15,000.  Are you prepared to make a good financial decision about your next car purchase?  This session will focus on key areas for preparing yourself to make a good financial decision about buying your next vehicle.

Retirement Income

December 2 Annuities

Joel Schumacher
Montana State University-Extension

Have you ever thought about how you will turn your retirement nest egg into monthly income in retirement?  One option is through the use of annuities.  Annuities are available in many different forms with lots of different features.  This session will focus on understanding how several key types of annuities can be utilized to create a stable source of retirement income.

December 10 Charitable Gift Annuities

Tyler Wiltgen
Montana State University Foundation

Charitable giving is often associated with bequests granted through a will or trust.  However, in recent years a growing number of Americans are utilizing charitable gift annuities to secure stable retirement income and benefit a charitable organization.  This session will provide attendees with basic overview of how charitable gift annuities operate and situations in which they may be appropriate.

December 17 CD Ladders, Dividend Stocks, Income Mutual Funds

Joel Schumacher
Montana State University-Extension

Converting your retirement nest egg in monthly income can be accomplished in a number of different ways.  One way is allocate some of your portfolio to investments that generate income on a monthly, quarterly or annual basis.  This session will focus on highlighting several investments that could provide stable retirement income.

Estate Planning

February 5 Who Get's Grandma's Yellow Pie Plate & Grandpa's Watch

Marsha Goetting
Montana State University-Extension
Most people have personal belongings such as wedding photographs, a baseball glove or a yellow pie plate or a watch that have special meaning for them and other family members.  These types of personal possessions, as well as jewelry, stamps, gun and coin collections, quilts or sports equipment, are referred to as non-titled property because there are no legal documents (such as titles) to indicate who officially owns them.  What happens to your non-titled personal belongings when you die?  Who decides who gets what?  During this session Dr. Marsha Goetting will explore how you can plan for the eventual transfer of your personal belongings.
February 11 Should I Have a Trust?

Marsha Goetting
Montana State University-Extension

A revocable living trust can be an excellent tool for handling some types of financial affairs.  But it is not an appropriate choice for everyone.  During this session Dr. Marsha Goetting will explore the advantages and disadvantages of establishing a revocable living trust compared to a testamentary trust.  She will also share alternative legal arrangements that may accomplish your goals more effectively.

February 18 Avoid Probate on Real Property with a Beneficiary Deed

Marsha Goetting
Montana State University-Extension
Montana law provides for a way to avoid probate on your real property and still make sure that the persons you want to receive property will indeed receive it.  You can file a beneficiary deed on your real property and name the grantee beneficiaries to receive it.  Attend the session to learn the details….and how to save money on probate.
February 25

Will Probate Be Necessary on my Estate?

Marsha Goetting
Montana State University-Extension

Whether a Montanan’s estate is subject to probate depends on several factors.  Montana law provides tools that allow for citizens to pass their property at death without a written will or have their property go through the probate process.  During this session Dr. Marsha Goetting will explain the probate process and circumstances under which probate can be avoided on personal property.  Participants will learn details about these valuable tools and also how to reduce the cost for heirs should probate become necessary.

March 4

Common Law Marriages & Estate Planning

Marsha Goetting
Montana State University-Extension

During this session Dr. Marsha Goetting will discuss the elements of a Montana common law marriage from an estate planning perspective.  After the death of one party there may be confrontations between the “surviving spouse” of a perceived common law marriage and the deceased person’s other heirs--children, grandchildren, parents and/or siblings.   Learn how these conflicts could be prevented and how to avoid court costs and attorney fees from a contentious court case to determine the existence of a common law marriage.

Investments and Investor Awareness

March 25 To Be Determined  
April 1 To Be Determined  
April 8 Using Financial Apps & Websites

Luke Erickson
University of Idaho-Extension

Personal money management does not need to be tedious, time consuming or boring! Learn how to use convenient and simple mobile apps and websites to effectively manage your personal finances. While financial apps are not guaranteed to make your financial life a cinch, they may offer some convenience and peace of mind. Explore some of these apps yourself while participating in this interactive workshop.

April 15

Senior Financial Protection Awareness

Lynn Egan
Montana Commissioner of Securites & Insurance Division

 
April 22 Why Buy Insurance?

Joel Schumacher
Montana State University-Extension

Are you overwhelmed by insurance options?  Insurance products are available for nearly every aspect of your life. You can purchase life insurance, health insurance, auto insurance, mortgage insurance, home insurance, renter insurance and the list goes on and on.  How do you decide which policies you need and how much you need? This session will focus on a framework to evaluate insurance options.