These classes are offered to anyone interested. The Cooperative Extension Service of MSU works with Macomb County to bring them the public free of charge. Each class consists of two or three sessions, and they are run several times per year. (Yes, the pubic funding for them is under scrutiny, and they may not last through 2008.) The purpose is to give students the tools to make wise decisions and stay out of trouble. Financial trouble, legal trouble, house trouble, it's all covered. If classes like these were required, there wouldn't be nearly so may foreclosures! I strongly recommend them to anyone who may not have solid answers to questions like these:

• How much house can I really afford?
• Is my credit good enough? How can I fix it?
• What does it mean to me when somebody "sells" my mortgage?
• Will my mortgage payment ever change? Why and by how much?
• What's PMI? How long do I have to go on paying that?
• Why should I pay for an inspection? Doesn't the City do that?
• What does a title company do?
• Do I need a lawyer? When?

You may have to resize your browser window to see these announcements. I just scanned them in as JPG's, and they came out at full size.