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A scholarly, intellectually stimulating programfor seniors in an informal, non-competitivecollege environment2020 SPRING QUARTER CATALOGAPRIL 6 to MAY 15, 2020HISTORY / ASTROLOGY /ART / HEALTH / RELIGION /LAW / SPORTS / FILM /ASTRONOMY / LITERATURE /FINANCE / SCIENCEInstitute for Learning in Retirement440-826-3188Email: ILR@BW.eduWebsite: bw.edu/ilr

MESSAGE FROM THE PRESIDENTCongratulations to us all!ILR now boasts over 2200 members – all without any “advertising.” We havea record number of unique and exciting classes, and our travel, luncheon/social programs are also in high gear. All these initiatives are run totally by our(hero) volunteer members.One of the concerns facing all organizations is money. We (ILR) are beginningto deplete our financial reserves, and we need to make a few changes tobalance the books. Our Financial Committee has been hard at work, and theyhave suggested some ways to insure our continued success.Yep. ILR will cost a little more in the future, but it will still be the best dealaround. Our last dues increase, for example, is so long ago that no oneremembers the change. The Steering Committee needs to make the “finalcall,” but expect an increase in your annual Membership fee that is due inJune. We also expect to institute some “belt tightening” at the committeelevel to make sure monies are spent carefully, and expenses are tracked tothe activity incurring the expenditure.Each member can also help as well:1.We use emails to trim the cost of mailings. Make sure that your email ison file in the office so that you can receive some ILR information via emailinstead of the post office.2. Help us to encourage instructors to email class notes instead of insistingon expensive paper copies. Let’s save a tree and some “greenbacks.”Just a couple of simple ideas that will save money where possible withoutcausing pain to the membership.Thanks to everyone reading this for making ILR the great organization that itis and keep up the good work. I am proud to serve as your President.See you in class,Bob RossPresident2

INSTITUTE FOR LEARNING IN RETIREMENTBALDWIN WALLACE UNIVERSITYOFFICERSPresident1st Vice President2nd Vice PresidentRecording SecretaryCorresponding SecretaryTreasurerMembers-at-LargeBob RossMary KolkDoug ImhoffJudy LuffJaney BodjiakBill LuffNancy Lee BowserBeverly SadowskiMark ITTEE CHAIRSAdministrativeBook & AuthorCurriculumData-Based rPublicityRegistrationSocialSpecial EventsTravelLive PerformancesDonnie Isparoladydonnette2@yahoo.comPaulette BaglyosPam McConnell pamelajmcconnell@gmail.comDoug Imhoffdoug22753@aol.comKarl KellerMike ZofchakGretchen MatesSally Eldermiresee334@gmail.comLinda Faeckingboot29@cox.netJohn Kolihakolihajohn215@gmail.comJohn Kolihakolihajohn215@gmail.comJudy Drabikjdrabik8356@wowway.comMaria Phillipsmariaphillips22@gmail.comJanice StuartJudy LuffMaria Phillipsmariaphillips22@gmail.comTom Brennanmitmit37@roadrunner.comLuretta Holanda3

REGISTRATIONClass Registration opens March 16 at 10:30 a.m.and closes March 20 at 11:30 a.m.Membership in the ILR is required to register and attend classes. All members ofrecord as of February 25, 2020 are eligible to register for Spring 2020 classes.If a class you have chosen has been filled, the fee will automatically be refundedunless you list an alternate selection. There will be no follow-up phonenotification from ILR regarding filled classes.Classes may be added/changed until the close of registration.Class confirmation letters identifying class locations will be mailed shortly afterregistration closes.Class limits are set by room size, parking availability and/or presenter choice.PLEASE NOTE: Most classes are not held on the actual BW campus, but atneighboring churches and other venues in and around Berea.CLASS REGISTRATION FORMTo clarify our registration process, please note that no actual class assignmentswill begin until March 16 at 10:30 a.m.All Registration Forms that arrive in the office before March 16 will remainunopened until March 16.Mailing or bringing a Registration Form in early does not mean it will beprocessed early. In fairness to all members, when processing begins on March16, envelopes will be opened randomly, regardless of when they were received.Inevitably some members will be unable to be assigned their first choice of class.You are encouraged to take advantage of listing alternative classes located onthe lower portion on the back of the Registration form.Registration Forms received after March 20 will be returned to the sender.If you have any questions, please feel free to contact the Registration Co-Chairslisted below. We are always looking for ways to streamline our class registrationprocess. We hope this explanation was helpful.Judy Drabikjdrabik8356@wowway.comMaria Phillipsmariaphillips22@gmail.com4

REGISTRATION: HELP US GET IT RIGHT Use a separate Registration Form and separate check for each student. Review your Registration Form and check for accuracy before mailing. Enclose your check (payable to Baldwin Wallace University) or Class Certificatewith your Registration Form. Access the ILR office voicemail 440-826-3188 for a daily announcementof which classes are closed or to respond to message(s) from the office.Volunteers are available to assist you from 10:30 a.m. to 12:30 p.m. at theabove number Monday through Friday; or leave a message. Registrations and checks received after March 20 at 11:30 a.m. will be returned.ILR CLASS CANCELLATION POLICYIf ILR cancels a class, a full refund will be issued unless two (2) class sessions havebeen presented, in which case there is no refund.If a member cancels a class before registration closes, a full refund will be issued.If a member cancels a class after registration closes and before the beginningof classes, and due to serious illness or death, a full refund will be issued. (Note:all three conditions must be met.)Except as noted, no refunds will be madeafter classes have begun.WEATHER CONDITIONSIF THE BEREA CITY SCHOOLS ARE CLOSEDDUE TO INCLEMENT WEATHER,ILR CLASSES WILL NOT MEET.THE ILR OFFICE ALSO WILL BE CLOSED.5

2020 SPRING CATALOGMONDAYS BEGINNING APRIL 6 FOR SIX WEEKSINTERMEDIATE CARD CRAFTING – REPEATPresenter: Kevin Borowiak*12:00 p.m. – 2:00 p.m.(Limit: 15 @ Middleburg Heights Community Church – Room 106)This class will provide/continue the instruction in intermediate paper crafting leading tothe construction of greeting cards. In each class, designs are presented with the making of(2) cards per design. Twenty cards will be made. The designs are as follows: Spinner card,Foldback card, Superfold card, Stamping 1 (beyond basics), Stamping 2 (layered stamping)and a 3-D card. The instructor will provide all materials except adhesives. There is anadditional class fee of 50 to cover the cost of materials. A supply list will be providedfor each student.REAL ESTATE FROM THE GROUND UPPresenter: Lude Kemock12:45 p.m. – 2:05 p.m.(Limit: 50 @ Heritage Congregational Church)You own it you rent it you use it you invest in it but how much do you actually knowabout it? This class will provide some of the basics about something we all need and use;Land Real Estate Real Property. We will cover title, ownership, rights and interests, its rolein everyone’s life and the benefits of the private property system we are afforded here inthe United States and how it is used for our basic necessities and as an investment vehicle.We’ll cover the role of the market in buying and selling, supply and demand, financing andeven touch upon the world of a real estate salesperson/broker. We strongly encourageattendee participation and will provide a forum for personal situations and topics that willdirectly impact those attending.POPE FRANCIS AND THE ENVIRONMENTPresenter: Bob Kloos12:45 p.m. – 2:05 p.m.(Limit: 100 @ People’s Community Church)Daniel P. Horan, OFM, said it this way: “Pope Francis situated his 2015 encyclical letter ‘LaudatoSi,’ on Care for Our Common Home” within the broader tradition of Catholic moral teaching,reminding the church and world that despite our self-centered compartmentalization, thereis only ever an “integral ecology” in which the fate of humanity and non-human creationare inextricably intertwined. While the human poor have been and will always be the firstto suffer the consequences of climate change’s effects, ultimately no one can escape thedestruction of “our common home.” Everything matters. We have to get this right. Whatwill it take to get people to see the obvious?6

PRESENTERSKevin Borowiak comes to card making after pursuing careers in the sciences. A set of lifecrisis in 2013 brought Kevin from left brain thinking and work to the creative right brain.Since then he has been learning and teaching the craft of card making.Lude Kemock is a licensed real estate broker in Ohio and has been practicing real estatefor over 45 years. He has taught real estate at several Northeast Ohio colleges for over 30years and recently retired from his final position as national director of transitions andimplementation at Coldwell Banker Real Estate Corporate Office in Madison, New Jerseywhere he worked for over 30 years previously as a manager, national trainer, businessconsultant and innovator of marketing and training tools. He is currently associate brokerat Coldwell Banker Schmidt Realty in Westlake.Bob Kloos is the pastor/administrator for the Community of Saint Peter. He was ordainedfor the diocese of Cleveland and worked in parish, high school and college campusministry for 17 years before he took leave to marry. Two remarkable children were bornof his remarkable journey with his wife. A year after she died suddenly in 2017, he was“called” to serve The Community. His nearly 30 years of performing arts ministry preparedhim well for his return to liturgy, social justice immersion and storytelling every weekend.Bob is a gardener, has solar panels on his roof, drives an all-electric car powered by windturbine generated electrons, and stopped eating meat (except for friendly chicken andfish) a year ago.7

MONDAYS BEGINNING APRIL 6 FOR SIX WEEKSHITLER: THE MIDDLE YEARS, 1931-1938Presenter: Father Andrew Harmon2:40 p.m. – 4:00 p.m.(Limit: 130 @ Christ United Church - Sanctuary)This class is the second in a three-part series on the life of Adolf Hitler. In this quarter, wewill look at his striving to take power (successful in 1933), the repression he instituted, andhis domestic policies in the 1930s. His increasingly severe anti-Semitic measures beforethe war will be examined. We shall dig into his personal life while he was in power. Towardthe end of the course, the focus will be on his foreign policy–his successful expansionism(without a bullet being fired) that led toward World War II. The course will end on theverge of World War II which will be the focus of the third quarter of this series.“LETTERS FROM EARTH”Presenter: Ted Smith*6:15 p.m. – 7:35 p.m.(Limit: 70 @ Christ United Church – Sanctuary)This book was posthumously published by Samuel Clemens’ estate, and was promptlylabeled blasphemous. Inspired by the opening chapter of the book of Job, Clemens turnsall of his wit, wisdom and wry humor to the nature of good and evil.HISTORY OF CLEVELAND SPORTS – PART 2Presenter: Doug Imhoff*6:30 p.m. – 7:50 p.m.(Limit: 70 @ Middleburg Heights Community Church – Friendship Hall 2)Last Fall in Part One, we discussed the history of Cleveland’s sports teams. In this session,we will discuss the history of the individual owners, coaches, managers and players whohave influenced the Cleveland sport scene over the years. Such people as Jessie Owens,Bob Feller, Jim Brown, Art Modell, Jim Tressel and Lebron James will be among the 35sports figures who will be presented and discussed.TUESDAYS BEGINNING APRIL 7 FOR SIX WEEKSINTERMEDIATE CARD CRAFTING – REPEATPresenter: Kevin Borowiak*10:00 a.m. – 12:00 p.m.(Limit: 15 @ Middleburg Heights Community Church – Room 106)This class will provide/continue the instruction in intermediate paper crafting leading tothe construction of greeting cards. In each class, designs are presented with the making of(2) cards per design. Twenty cards will be made. The designs are as follows: Spinner card,Foldback card, Superfold card, Stamping 1 (beyond basics), Stamping 2 (layered stamping)and a 3-D card. The instructor will provide all materials except adhesives. There is anadditional class fee of 50 to cover the cost of materials. A supply list will be providedfor each student.8

Father Andrew Harmon was awarded a Master of Divinity from the Asbury TheologicalSeminary. He also has a Master of Arts degree in Russian history from the University ofChicago and a Bachelor of Arts in history from North Dakota State University. He has beenpastor of St. Matthew’s Church in North Royalton for over 29 years.Ted Smith is a graduate of Baldwin Wallace. His interests and research are in traditionalChinese medicine, history, current events, science and theology. In his personal quest forbalance, he has done considerable independent research into various spiritual, historicaland sociological practices in an effort to see what has worked for and against humanity’squest for balance.Doug Imhoff earned both a BA and MBA at Baldwin Wallace University. He is a CertifiedPublic Accountant and worked as an internal auditor in various management positions forseveral companies in the Cleveland area. In addition, he has a lifelong interest in Americanand World history, government and politics.Kevin Borowiak comes to card making after pursuing careers in the sciences. A set of lifecrisis in 2013 brought Kevin from left brain thinking and work to the creative right brain.Since then he has been learning and teaching the craft of card making.9

TUESDAYS BEGINNING APRIL 7 FOR SIX WEEKSHISTORY OF THE HOLLYWOOD MUSICAL – PART 2: 1950-2020Presenter: Aaron Spears10:00 a.m. – 11:20 a.m.(Limit: 70 @ Middleburg Heights Community Church – Fellowship Hall 1 & 2)The Hollywood Musical has undergone a variety of changes through the years. In Part2 of this class we’ll be looking at film examples that highlight these changes, from thepost-WWII era up to the present day. We’ll be discussing key figures of the era: fromchoreographers to directors to performers to composers. The Hollywood Musical, Part 1 isnot needed in order to enjoy this class.A MONUMENT TO SERVICE: THE SOLDIERS AND SAILORS MONUMENTPresenter: Tim Daley10:00 a.m. – 11:20 a.m.(Limit: 70 @ People’s Community Church)Dedicated July 4, 1894, Cuyahoga County’s architecturally unique Civil War monumentmemorializes its 9,000 veterans by inscribing their names in marble. Class topics are asfollows: April 7: The Cuyahoga County Soldiers’ and Sailors’ Monument: A Monumentto Service; April 14: The Women of the Monument: The war relief work of theNorthern Ohio Sanitary Commission; April 21: The United States Colored Troopsof the Monument; April 28: Prominent Ohio Commanders of the Monument; May7: Lincoln and the Monument; May 14: Honoring Their Memory: Levi T. Scofield,Cleveland’s Monumental Architect and Sculptor.ASTRONOMY 3 – DEEP SPACE AND THE COSMOS – REPEATPresenter: Ann Cleary*12:00 p.m. – 2:00 p.m.(Limit: 42 @ Mahler Museum)We leave our solar system to explore our galaxy (the Milky Way), other galaxies, theexpanding Universe and the Big Bang Theory. Other topics include lifecycle of stars,quasars, supernovae and black holes. We also will learn about the Hubble Telescopeand the next newer, bigger and better James Webb Space Telescope. This course is acontinuation of Astronomy 1 and 2, but there is no prerequisite for attendance.BIG PHARMAPresenters: Mary & Dick Kolk12:45 p.m. – 2:05 p.m.(Limit: 40 @ Mahler Museum)Big Pharma is an expert at promoting fear of disease just so they can sell us hope. Inthis class we look behind the scenes to discover the disturbing truth about Big Pharma.We’ll examine conflicts of interest, deceptive ghostwritten articles in prestigious medicaljournals, “me too” drugs and fear-based media ads. Drugs in search of an illness, drugpromotion meetings disguised as education programs, minimizing reports of side effectsand disposal of negative studies. We’ll also examine how too many drugs, body scans andover-diagnoses can cause more harm than good.10

Aaron Spears earned a Bachelor of Arts degree in motion picture theory, history andcriticism from Wright State University, and a Master of Science degree in library andinformation science from Kent State University. For 13 years, he managed the Cedar LeeTheatre, with five years on the selection Committee for the Cleveland International FilmFestival.Tim Daley was awarded a Bachelor of Arts from Cleveland State University and Masterof Arts from John Carrol University. Tim is the executive director of the Sailors & SoldiersMonument. He is a member of the American Association for State and Local History, OhioLocal History Alliance and the NE Ohio Inter-Museum Council.Ann Cleary is a National Board Certified teacher in adolescent and young adult science.She taught 9th grade earth and space science for over 30 years. She hopes to make topicssimple and knowable.Mary Kolk has produced a DVD set and authored a book titled “How We Beat Diabetes.”She was president of LIVE Multimedia and a past vice president of Cleveland AdvertisingAssociation, and a former member of Toastmasters and the Cleveland Coach Federation.Her extensive research and study on diabetes and her hands-on success have brought hernumerous speaking engagements, including those at The Ohio State School of Medicineand Humana Health Center.11

TUESDAYS BEGINNING APRIL 7 FOR SIX WEEKSCLEVELAND’S BEST KEPT SECRETSVarious Presenters(Limit: 75 @ Christ United Church – Fellowship Hall)12:45 p.m. – 2:05 p.m.The Port of Cleveland by David GuthielApril 7The Port of Cleveland is one of the largest ports on the Great Lakes. This presentationwill offer an overview of the Port’s maritime and environmental services as well as thedevelopment finance services which largely contribute to the economic developmentof our region. Over 20,000 jobs and 3.5 billion in annual economic activity are tied tothe roughly 13 million tons of cargo that move through Cleveland Harbor each year. ThePort of Cleveland is the only local government agency whose sole mission is to spur jobcreation and economic vitality in Cuyahoga County. The Port is an economic engine forour community, a key to Northeast Ohio’s global competitiveness, and a crucial partner inbuilding Cuyahoga County’s future. Our maritime services and assets add value and resultin a competitive advantage for regional firms competing globally. The Port also tackleschallenges tied directly to jobs, quality of place and environmental sustainability throughinnovative development financing services and selective public investments in criticalharbor projects.The Cleveland Foundation by Dr. Paul PutnamApril 14Learn the history and current work of the Cleveland Foundation, the world’s firstcommunity foundation. Serving Cuyahoga, Lake and Geauga counties, the ClevelandFoundation works with individuals and families, as well as organizations in the public,private and nonprofit sectors to build community endowment, address needs throughgrantmaking and provide leadership on key community issues.The History of The Cleveland Orchestra by Andrea HoyApril 21The world renowned Cleveland Orchestra recently celebrated a centennial and isembarking on an ambitious second century to remain one of the world’s top orchestras.Orchestra Archivist Andria Hoy will explore the early beginnings of the Orchestra, earlypatrons, music directors, the Orchestra’s subsequent rise to fame and current educationalprogramming in this lecture.Building Severance Hall and Blossom Music Center by Andrea HoyApril 28The Cleveland Orchestra is lucky to own two magnificent concert facilities. OrchestraArchivist Andria Hoy will cover the Orchestra’s early beginnings in Grays Amory andMasonic Auditorium to the contruction of splendid Severance Hall, including historicimages from the full building renovation completed in 2000. See behind the scenes of thisamazing building. In addition, learn the backstory and history of Blossom Music Center,the Orchestra’s summer home.12

David Gutheil has international and domestic experience in logistics, marketing andthe transportation/shipping industries. Gutheil is responsible for managing the Portof Cleveland’s maritime facilities and the implementation of marketing and tradedevelopment programs to attract new customers, carriers and cargo shippers. Gutheilhas worked for an assortment of transportation-related companies for nearly 20 years,most recently as director of strategic accounts for NYK Logistics (Americas) Inc., one of theworld’s leading logistics providers.Dr. Paul Putman joined the Cleveland Foundation in 2008 as a program officer and in2014 transitioned to the role of donor relations and technology officer. In this capacityhe works with individuals, families and nonprofits throughout greater Cleveland to helpthem achieve their philanthropic goals. Outside of his work with the foundation, Dr.Putman has continued teaching since earning his doctorate in urban education from CSU,and currently teaches grant proposal writing at Baldwin Wallace University. He is also amentor with College Now Greater Cleveland and currently serves on the board of theCleveland Public Library Foundation.Andria Hoy is both a trained professional musician and archivist, now blending herpassion for both by preserving the history of The Cleveland Orchestra. Functioning asarchivist and historian for the Orchestra, Severance Hall and Blossom Music Center, Mrs.Hoy enjoys sharing Cleveland Orchestra history and trivia with her fellow Clevelanderswhenever possible. She holds a master’s degree from the Cleveland Institute of Music,where she studied with renowned Cleveland Orchestra principal oboist John Mack. In2015, Mrs. Hoy earned a Master’s of Information and Library Science. She has worked inthe archives of The Cleveland Orchestra since 2008 and became the head archivist in thespring of 2017.13

TUESDAYS BEGINNING APRIL 7 FOR SIX WEEKSCLEVELAND’S BEST KEPT SECRETS (continued)“SISTERS IN THE SKY” THE INTERNATIONAL WOMEN’S AVIATION MUSEUMby Heather AlexanderMay 5The story of women’s achievements in aviation and space began in the 18th century. TheInternational Women’s Air and Space Museum preserves the history of these women.“Sisters in the Sky describes a few of these remarkable women and their contributions,past and present.INFERNO ON THE EAST SIDE by Paul NelsonMay 12The East Ohio Gas Co. explosion and fire of 1944 was Cleveland’s largest fire in size andcasualties. It covered ¼-square mile, killed 130 civilians, destroyed 79 dwellings and twoindustrial plants. It could have been worse, but it occurred when children were away atschool. We look at all the components of this tragic event from cause, to extinguishmentand beyond.EGYPT I – REPEATPresenter: Jim Gibbs12:45 p.m. – 2:05 p.m.(Limit: 50 @ Heritage Congregational Church)Ancient Egypt captures our imaginations as few other things can, not only because of itsmonuments but because of what we know about its people. The Ancient Egyptians weremen and women like us, with the same types of hopes, dreams, joys and sorrows. Thiscourse will explore the beginning of Egyptian civilization: why the pyramids were built,religious beliefs, art, daily life and political development.THE GLORIOUS CAUSE – PART 2: THE FOUNDING FATHERSPresenter: Bert Fassett12:45 p.m. – 2:05 p.m.(Limit: 75 @ Middleburg Heights Community Church – Friendship Hall 2)This class will cover the men and events that went into the founding of our country. Theclass will look at the founders in context and show how their personalities helped makethis nation. We will start in 1763 and finish with Jefferson’s first term.TREASURE HUNTPresenter: Janet Carnall2:40 p.m. – 4:00 p.m.(Limit: 120 @ Heritage Congregational Church)Tales of buried treasure, exquisite gems and lost cities have long caused adventurersto seek them out. Did you know that Jesse James buried the Templar treasure, or was itChristopher Columbus? What are the colorful stories that surround the queen of gems –the diamond? Where can you hunt for treasure today? These and many other fascinatingstories will be shared along with the possibility of winning a treasure chest at the end ofour six weeks.14

Heather Alexander’s aviation life started in 1991 when she was hired to photographan air show. She has since coordinated fly-ins, arranged the aerial portion of militaryreenactments and ran an air show for eight years. Heather previously owned a PietenpolAircamper (a 1930s designed aircraft). She has been with the International Women’s Air &Space Museum since 2003 and has served as the executive director since 2015.Paul Nelson is a life-long historian, fire fighting buff and fire photographer. Although atechnical marketing executive, he has spent many years researching Cleveland fire servicehistory since moving to the area in 1970.Jim Gibbs received his Bachelor of Arts from Bowling Green State University and wasawarded a Master of Arts in history from Miami University, and graduate credit in historyfrom Case Western Reserve University. He and has taught history at Cuyahoga CommunityCollege. His interest in archaeology led him to volunteer at a dig in Tel Gezer, a biblical sitein Israel. He also served on the Board of Directors of the Cleveland Archaeological Society.Bert Fassett has a BA and MA from Cleveland State University. He taught in the LakewoodSchool System for 25 years. In 1994 and 2002 was named “Educator of the Year.” In 2016he was selected for the “Lakewood Staff Hall of Fame.” He also coached middle schoolbasketball for 15 years. He has been married for 42 years and has two sons.Janet Carnall has had a lifelong interest in geology, ancient history, nature and many othersubjects. She earned a Bachelor of Science in geology and an MBA from Baldwin WallaceUniversity. She worked as a market researcher and buyer, beginning at Sherwin-Williams,and retired as director of marketing and development at North Coast Community Homes.15

TUESDAYS BEGINNING APRIL 7 FOR SIX WEEKSCOMMUNICATION STYLES – REPEATPresenter: Dr. Joan Horvath2:40 p.m. – 4:00 p.m.(Limit: 50 @ Middleburg Heights Community Church – Friendship 2)We all develop a communication style, but everyone is different. You will identify yourstyle and learn about three other styles. We will cover how to influence other styles andhow to be effective with those different from ourselves.HISTORY OF LONDON – PART 1Presenter: Beryl Prusinowski2:40 p.m. – 4:00 p.m.(Limit: 120 @ Christ United Church – Sanctuary)London has been a major settlement for more than two millennia. Delve into prehistory– the geology affecting development and the original Stone Age inhabitants. Then followthe history – a major Roman center, the changes made by the Saxons, deprivations of theVikings and why William the Conqueror was afraid of London. This first part will end withthe horrors of the Great Plague.GENESIS AND THE “BIG BANG THEORY” RECONCILEDPresenter: Ted Smith*6:15 p.m. – 7:35 p.m.(Limit: 70 @ Christ United Church – Sanctuary)The events depicted in the first chapter of Genesis are quite similar to the eventsdescribed by the Big Bang Theory. The real question is: Was it six days or 13.7 billion years?This class explore how the answer is actually “yes” to both perspectives. We will use onlypeer reviewed science taught in universities and only conventional interpretations of theGenesis text. (One day is not a metaphor for an epoch.)FINANCIAL STRATEGIES FOR SUCCESSFUL RETIREMENTApril 7, 14, 21Presenter: Bob Gillingham*6:30 p.m. – 8:00 p.m.(Limit: 30 @ Middleburg Heights Community Church – Fellowship Hall 1)The gap between the rich and poor is growing larger. Why? Lack of education! Literallyhalf of Americans own no stock. We will show you why mutual funds can be the bestway to own stocks and bonds. Risk tolerance and your time horizon determine your bestinvestment allocation. Learn how to analyze and find the best funds for you without thebiased sales pitch.Presenter: Mark LapsevichApril 28, May 5, 11The good news is that life expectancy is increasing. However, many retirees are concernedabout being “Income Ready” and/or will they outlive their financial resources. Thiseducational workshop will focus on these and other common retirement concernsand different strategies to address those concerns. Topics will include: the new taxlaw regarding Required Minimum Distributions (RMD), Downside Market ProtectionStrategies, Asset Allocation/Diversification, Tax Consequences and Longterm Care.16

Dr. Joan Horvath has a Juris Doctorate and a Doctorate in Communications from CaseWestern Reserve University. She has served on the Board of Governors of the CWRU Schoolof Law and has been a college professor. Her career also included being a division managerin industry, a training director of a bank and Progressive Insurance, and consultant in theareas of communications, management development and law. In addition to managingher own company, she has published over 50 articles.Beryl Prusinoski received a Bachelor of Science degree in Mathematics from CaseWestern Reserve University and a Master of Science in Statistics from Purdue University.Beryl worked in the chemical industry for more than 40 years. Upon retirement, Beryldecided to take her extensive collection of history books to form the basis for ILR classes.London is her particular interest, since that is where her parents met during the war.Bob Gillingham is a lifelong Cleveland native having attended Bay High School and theUni

the construction of greeting cards. In each class, designs are presented with the making of (2) cards per design. Twenty cards will be made. The designs are as follows: Spinner card, Foldback card, Superfold card, Stamping 1 (beyond basics), Stamping 2 (layered stamping) and a 3-D card. Th