Roseville Area Schools Community Education

The Concern: Our family has cabin, homestead, hunting land, farm or second home: How do we protect this family legacy and move its use and enjoyment into the future? The Problem: Various sources and forces threaten its very existence: The nursing home and Medicaid (MA), estate taxes, family divorces, creditor and bankruptcy issues, taxes and operating expenses, unequal resources of owners, the in-laws, and use and enjoyment equality. The Answer: We will provide real-life solutions and explore four paths to resolution that will solve our problems without driving the family apart or sacrificing the family legacy asset. Registration for all class sessions closes 3 days before the start date. Late Registration: If you miss the deadline but are still interested, you can contact the Community Ed office by emailing us at CommunityEd@isd623.org or calling: 651-604-3770. Space may be limited, but we'll try our best to accommodate late registrations. Refund Policy If you need to cancel your registration, in order to receive a refund, you must notify Roseville Area Schools Community Education at least one (1) week prior to start date of the class/event/camp/activity, and that I will be issued a refund minus a $5 service charge. Registrations are not refunded in the event of a weather cancellation.

What is estate planning and why is it crucial? This class explores the purposes for estate planning, basic plans for married couples and single individuals, and reviews wills and trusts in detail. We will also review powers of attorney, guardianships, health care directives, and the probate process. A well-planned estate will allow the maker to stay in control even in the event of disability, and will avoid probate and unnecessary fees and delays upon death. Registration for all class sessions closes 3 days before the start date. Late Registration: If you miss the deadline but are still interested, you can contact the Community Ed office by emailing us at CommunityEd@isd623.org or calling: 651-604-3770. Space may be limited, but we'll try our best to accommodate late registrations. Refund Policy If you need to cancel your registration, in order to receive a refund, you must notify Roseville Area Schools Community Education at least one (1) week prior to start date of the class/event/camp/activity, and that I will be issued a refund minus a $5 service charge. Registrations are not refunded in the event of a weather cancellation.

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?

This is a relaxed and friendly open-forum seminar for participants with a seasoned Will & Trust attorney. Questions like: Should I avoid Probate? Is a Will good enough? Do I need a Trust? How does my plan deal with the nursing home? How do we gift the assets of husband and wife? What about separate assets not of the marriage? If I am alone, what tools protect me best? How do I decide who should serve in my estate plan? What is the death tax? How do I avoid leaving a mess for my children? Which Trust is best for my needs? Can I use a Transfer-On-Death Deed? How do my retirement assets operate in my Will or Trust? All questions will be answered! Registration for all class sessions closes 3 days before the start date. Late Registration: If you miss the deadline but are still interested, you can contact the Community Ed office by emailing us at CommunityEd@isd623.org or calling: 651-604-3770. Space may be limited, but we'll try our best to accommodate late registrations. Refund Policy If you need to cancel your registration, in order to receive a refund, you must notify Roseville Area Schools Community Education at least one (1) week prior to start date of the class/event/camp/activity, and that I will be issued a refund minus a $5 service charge. Registrations are not refunded in the event of a weather cancellation.

The Resume Writing Basics course is designed for individuals looking to create an impactful resume showcasing their skills, experience, and qualifications. Whether you’re entering the job market for the first time, looking to make a career change, or refreshing your existing resume, this course will guide you through the essential elements of a strong resume.

This is a comprehensive, 5-hour, retirement planning course broken into two, 2.5-hour, evening sessions that includes a 100 page book all for $49. We cover maximizing income sources like social security, annuities, pensions and investment withdrawals. We discuss minimizing taxes and tax diversification in tax deferred and tax free accounts like Roth IRAs, Roth 401(k)s, Roth conversions and Health Savings Accounts. We include an investment education section on stocks, bonds and mutual funds. We dive into retirement risk management including Medicare, Medicaid, disability insurance, long term care and life insurance. And we close with high level estate planning. One additional guest may attend at no additional cost. Registration for all class sessions closes 3 days before the start date. Late Registration: If you miss the deadline but are still interested, you can contact the Community Ed office by emailing us at CommunityEd@isd623.org or calling: 651-604-3770. Space may be limited, but we'll try our best to accommodate late registrations.

Learn how to save $$$ every day with extreme couponing. Coupons are NOT just for groceries. The savings can add up to HUNDREDS or even THOUSANDS of dollars every year. This comprehensive workshop will teach you: * where to find all different types of coupons, even for high ticket items * how to find the best coupon apps and websites * how to match coupons with sales for maximum savings This workshop is taught by someone who has used many couponing secrets to save thousands. Informative handouts for future use are included in class fee. The webinar login information will be emailed the day before class. Registration for all class sessions closes 3 days before the start date. Late Registration: If you miss the deadline but are still interested, you can contact the Community Ed office by emailing us at CommunityEd@isd623.org or calling: 651-604-3770. Space may be limited, but we'll try our best to accommodate late registrations. Refund Policy If you need to cancel your registration, in order to receive a refund, you must notify Roseville Area Schools Community Education at least one (1) week prior to start date of the class/event/camp/activity, and that I will be issued a refund minus a $5 service charge. Registrations are not refunded in the event of a weather cancellation.

A vital part of every retirement or resettlement discussion involves the roadmap of issues that help us decide where we want to call home! Is it Taxes, the Political Landscape, the Weather, the location of Family assets, Debt or Income concerns in Retirement, Cost of Living, Health Concerns or . . . our Friends are already there! When should we start this discussion? Did you know many States do not tax Social Security, Pensions or other Qualified Retirement Income sources? Which are the worst states for Estate Taxes? How do we establish Domicile? How about quality of medical resources and retirement facilities – who is good, who is not-so-good? All these issues will be raised and discussed in an open and friendly manner with questions encouraged. Registration for all class sessions closes 3 days before the start date. Late Registration: If you miss the deadline but are still interested, you can contact the Community Ed office by emailing us at CommunityEd@isd623.org or calling: 651-604-3770. Space may be limited, but we'll try our best to accommodate late registrations. Refund Policy If you need to cancel your registration, in order to receive a refund, you must notify Roseville Area Schools Community Education at least one (1) week prior to start date of the class/event/camp/activity, and that I will be issued a refund minus a $5 service charge. Registrations are not refunded in the event of a weather cancellation.

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. Registration for all class sessions closes 3 days before the start date. Late Registration: If you miss the deadline but are still interested, you can contact the Community Ed office by emailing us at CommunityEd@isd623.org or calling: 651-604-3770. Space may be limited, but we'll try our best to accommodate late registrations. Refund Policy If you need to cancel your registration, in order to receive a refund, you must notify Roseville Area Schools Community Education at least one (1) week prior to start date of the class/event/camp/activity, and that I will be issued a refund minus a $5 service charge. Registrations are not refunded in the event of a weather cancellation.

Do you know what the most oversold and misunderstood legal product on the market is today? The answer is a Revocable or Living Trust. Most people believe that their trust shields the assets from the nursing home and creditors. In Minnesota, Revocable Trusts are subject to the nursing home and creditors. If you can change the Trust, the nursing home and creditors can access the money in the Trust. In this class you will learn about the pros and cons of a revocable trust and if it is a fit for you. You will also learn about other options. Registration for all class sessions closes 3 days before the start date. Late Registration: If you miss the deadline but are still interested, you can contact the Community Ed office by emailing us at CommunityEd@isd623.org or calling: 651-604-3770. Space may be limited, but we'll try our best to accommodate late registrations. Refund Policy If you need to cancel your registration, in order to receive a refund, you must notify Roseville Area Schools Community Education at least one (1) week prior to start date of the class/event/camp/activity, and that I will be issued a refund minus a $5 service charge. Registrations are not refunded in the event of a weather cancellation.

Whether you are married, single, or divorced, it is important to have a will to make sure your wishes are honored. Learn about estates and wills while preparing your own legal will during class. You will receive all of the tools needed to complete this important document, including instructions, a professionally prepared form, witnesses, and a notary public. This class is tailored to people who have an estate of less than $2 million and do not own a business. Spouses must register separately. Registration for all class sessions closes 3 days before the start date. Late Registration: If you miss the deadline but are still interested, you can contact the Community Ed office by emailing us at CommunityEd@isd623.org or calling: 651-604-3770. Space may be limited, but we'll try our best to accommodate late registrations. Refund Policy If you need to cancel your registration, in order to receive a refund, you must notify Roseville Area Schools Community Education at least one (1) week prior to start date of the class/event/camp/activity, and that I will be issued a refund minus a $5 service charge. Registrations are not refunded in the event of a weather cancellation.