Roseville Community Education Program

We all have goals. Sometimes our goal is to gift assets to others- while we are alive? After I have passed? What about Estate Tax & Gift Tax Planning? Should I gift my money away in a Will, or a Trust? Would I qualify for Medicaid? What is the 60-month claw back? What if my spouse goes into the nursing home and exhausts our money? What about my current Trust; does it avoid the nursing home? Most people believe that their trust shields the assets from the nursing home and creditors. Many people may be wrong! We will walk through these questions and many more, including how to plan and place your assets to meet your retirement, your nursing home goals, and after you have passed.

With an ever changing benefit system, you will be happy to learn that your estate plan include provisions for the care of a child, grandchild or family member with special needs without adversely affecting their benefits or programs. Discuss how to properly protect your assets and provide for the future benefit of your loved one. Learn the pros and cons of a special needs trust and how it may be an option to be considered.

Learn how Gina has taught her way around the world & paid for vacations and travel to over 98 countries. Teaching English is a high paying career or simply a great way to go on vacation for free. English is the world’s business & travel language and being able to speak English helps people get better paying jobs. If you speak English, you can teach conversational English! You don’t have to be certified or speak the local language. Make money from home by teaching English online. Earn a free vacation, 2-month paid summer job, or full-time work that earns up to $90K a year. Learn the best paying jobs, qualifications, certification programs & specific hiring organizations. Class includes Gina’s 70-page digital book “Get Paid to Teach English”. Go to www.GinaHenry.com for more instructor information.

Are you wondering how much house you can afford in today's market? Whether you are planning on buying with zero down payment or up to 20% down, we will discuss how that impacts how much house you can afford. We will also compare affordability with popular loan programs: FHA, Conventional, VA, and USDA, as well as the benefits and disadvantages of each program. We will take an in-depth look at monthly payments and compare the different down payment options to determine which may be best for you. We will also discuss what lenders require, credit scores, and how to obtain a mortgage pre-approval. By the end of class you will know how to pick the best mortgage option for you, which can save you thousands each year.

The biggest fear for most baby boomers is how to pay for the nursing home and still leave an inheritance for the next generation. We will walk through the following questions and more including: How will I meet my nursing home goals? Is Long Term Care Insurance for me? What about home healthcare? Should I gift my money away? Would I qualify for Medicaid? What about my current Trust, does it protect my assets and avoid the nursing home? What is the 60-month claw back? What if my spouse goes into the nursing home and exhausts our money?

Your student is getting ready for college. You saved your money. Is it enough? How to be a smart shopper! Learn where your student will fit best, academically, socially and financially. Which schools will offer your student the largest merit scholarships? How do you apply for grants and how does the FAFSA work? Learn how to get an education, not a debt!

Learn about the current mortgage financing options available in today's market. Including, down payment options starting with zero down, less-than-perfect credit programs, and home improvement purchase loans. We will take an in-depth look at the monthly payments and compare the different down payment options so you can determine what may be best for you.

Do you know the most optimal time for you to start taking your Social Security? Your Social Security decision could be the biggest financial decision you make in your life and you only have one chance to get it right. Three out of four people unknowingly take a reduction in their Social Security income and 40% of them look back and wish they would have done something different. This class will familiarize you with the various Social Security filing strategies and will enable you to know what questions to ask, prior to filing, to help you make the best decision for your retirement.

This past year has resulted in some of the most significant changes to the college planning process in decades. Schools have gone ACT/SAT optional but not necessarily when they award scholarships; recent legislation included substantial changes to the FAFSA and college financial aid; behind the scenes rules have changed how colleges can recruit students and award scholarships. Learn how these changes may impact your family, and new strategies to consider to give your student the best opportunity to be admitted and maximize scholarships and financial aid.

The best time to think about long-term planning is before you need it! 70% of 65-year-olds will need some form of long-term care during their lives and the planning is much more than just an insurance policy. There are many aspects to consider when planning for your health and personal care needs during a short or long period of time. In this class we will address the areas that will have major influences in the planning process as well as address the Minnesota Partnership Long-Term Care program.

Join thousands of individuals who are taking their work with them and hitting the road! You can make your travels sustainable by earning a living as you travel. Professional traveler Gina Henry has been doing this for years and shares her wealth of knowledge. Get the “how to” of living on the road including downsizing, putting your stuff in storage, getting your mail, how to have a “physical address”, the RV lifestyle, timeshares, international living, long-term rentals, housesitting, and more. Learn the best ways to set up your remote office and get quality wifi in your hotel, long-term rental, and out of your car or RV. Gina Henry founded Go Global, Inc. 26 years ago and has been location independent and working remotely for the past six years traveling year round. Class includes Gina’s 70-page digital book “Work Remotely and Become a Digital Nomad". Go to www.GinaHenry.com for more instructor information.