Personal Finance
Whatever stage of life you are
at, just starting out, planning for
retirement, entering retirement,
or retired - personal finance questions always arise. Our professionals are here to help! Small class
sizes, little time commitment,
unbiased and you gain a fresh,
new outlook!
Health Care and Your Retirement
Abra Hovgaard
Suitable for investors 5-15 years from re rement, address what steps investors should
take to prepare for health care costs (including Medicare and long-term care costs) to
help ensure their re rement savings stay healthy. Min. 3/Max. 20
#511165B
Thu Apr 6
6:30-8 pm
Medicare: What You Don’t
Know & What It Could Cost You
Sr. High #C128
$9/ea; $15/couple
Carolyn Mager & Tom Zubrod
Medicare is a topic that every person nearing re rement age needs to understand.
Come and understand why Medicare planning is a cri cal component of your re rement
plan. Learn about the nuts and bolts of Part A, B, C, D and how to make be er informed
decisions. Paying for health care is one of the biggest worries of today’s re rees. We will
help you through some of those concerns. Min. 3/Max. 20
#511114B
Thu Mar 9
6:30-8 pm
Sr. High, #C123
Retirement by Design
$9/ea; $15/couple
Abra Hovgaard
Suitable for pre-re rees. Learn how you can translate your vision for re rement into
tangible goals. Learn investment strategies to help design the re rement you want.
Discuss how you can add flexibility to your strategy to help you handle unexpected
events and how you can keep your strategy on track. Do you know whether you are on
track to achieve your reƟrement goals? Or do you think you may have to work a liƩle
longer? Learn how to take inventory of current assets and determine how much income
you may need during re rement. Realize how to structure re rement plan distribu ons
to best suit your personal needs. Min. 3/Max. 20
#51122B
Tue Jan 17
6:30-8 pm
What To Do When Someone Dies
Sr. High, #C128
$9/ea; $15/couple
Kathleen M. Wagner
Do you know what to do when someone dies? Kathleen M. Wager, Esq., will explain the
handling of the four important tasks that must be taken care of to se le the estate
when someone dies: collecƟng assets, protecƟng assets, paying debts and taxes,
and distribuƟng the assets. Gain a founda on of understanding about the role of the
Personal Representa ve/Executor, family members, and others, in an orderly estate
administra on. KATHLEEN WAGNER is a licensed MN aƩorney specializing in consumer
credit collecƟon maƩers, judgment enforcement, creditor/debtor law, the Fair Debt
CollecƟon PracƟces Act and general civil liƟgaƟon maƩers. Min. 3/Max. 24
#51136B
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Thu Jan 26
6:30-8:30 pm
Sr. High, #C123
$9/ea; $15/couple
Personal Finance
Leave It, Move It, Roll It, Take It: Know Your
Employer’s Retirement Plan Options
Abra Hovgaard
Suitable for working investors, job changers, workers facing a layoff, and recent re rees.
If you recently switched jobs or re red or are facing unemployment due to a layoff or
downsizing, this seminar can help you determine what to do with the assets in your
employer-sponsored re rement savings plan. We’ll help you evaluate your re rement
goals and poten al investment strategies, and the we’ll discuss the pros and cons of
your op ons. Min. 3/Max. 20
#51183B
Tue Apr 18
6:30-8 pm
Sr. High #C128
What Happens After the Paycheck Stops?
$9/ea; $15/couple
Abra Hovgaard
A ReƟrement Income Primer. Suitable for people who are already re red (or those who
are thinking about re ring soon) and focusing on re rement income. Have you reƟred
recently? Are you planning to reƟre soon? Discuss ideas to help build a reasonable and
sustainable strategy for managing income and expenses during re rement. Explore how
to address key concerns such as infla on, health care expenses and market vola lity as
well as ways to prepare in advance for things that may not go as expected. Examine how
to budget for re rement expenses and your poten al sources of re rement income.
Iden fy risks to your re rement income and ways to address them. Min. 3/Max. 20
#51123B
Mon Feb 13
6:30-8 pm
Tilden CC, #108
The Will & The Trust - Uses for Each
$9/ea; $15/couple
Michael J. Burke
What is Estate Planning? What is Probate? Learn about the different types of
documents and the differences between each, reasons to choose one type of document
or estate plan over another, and the pros/cons of probate. Michael encourages
audience ques ons. MICHAEL BURKE has been pracƟcing law for over 25 years. His
areas of pracƟce include Estate Planning (including Wills, Trusts, Powers of AƩorney),
Probate, Real Estate, and Guardianships/Conservatorships. Min. 4/Max. 15
#51133C
#51133D
Thu Feb 9
Tue Feb 21
1-2:30 pm
6:30-8 pm
Keeping the Cabin, Business
or Farm in the Family
Tilden CC, #108
Tilden CC, #108
$9/ea; $15/couple
$9/ea; $15/couple
Damien Cannaday & Tom Zubrod
You loved going to the cabin every summer or working in the family business or on the
farm growing up! Now it’s me to decide what to do with it. Learn how to keep your
cabin, business or farm in the family without crea ng a family conflict. Discover ways to
ensure your children receive equal inheritance, the impact of taxes and how to properly
posi on your assets for the next genera on. Min. 3/Max. 20
#51192A
Thu Jan 19
6:30-8 pm
Farm & Ranch NEW
Legacy Planning
Tilden CC, #108
$9/ea; $15/couple
Damien Cannaday & Tom Zubrod
How do you plan to preserve what worked so hard to build? Who should inherit your
assets? Which assets should they inherit? How should they inherit them? When should
they inherit? Because federal estate tax rates can be as high as 35 percent, if you don’t
plan adequately to transi on your opera on, your family could lose more than one third
of the wealth you’ve built. Don’t let your family bear that burden. We’ll walk you thru
some simple planning steps and help you find a solu on that’s right for your personal
situa on – not your brother’s, not your neighbor’s. Min. 2/Max. 20
#51121A
Wed Feb 15
6:30-8 pm
Tilden CC, #108
$9/ea; $15/couple
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Personal Finance
Writing Your Own Will
Teresa Beth Molinaro
Having a will is important for married couples,
singles and divorced people. If you are
without a will, the laws of MINNESOTA and
a judge will make all the decisions regarding
your estate. Don’t let this happen. Learn
about estates and wills, and prepare a legal
will in class. Receive instruc ons and a
professionally prepared form, have access to
witnesses and a notary public. Appropriate
for people who have an estate of less than
$2,000,000 each - including life insurance,
and do not own a business. Each spouse/person needs their own will. Note, this
document may not be appropriate for heirs with special needs. TERESA MOLINARO,
graduate of Hamline University School of Law, is an estate planning and probate
aƩorney at the law firm of Molinaro Davis Law PLLC. She has extensive experience
advising clients regarding their estate plans. Min. 10/Max. 20
#51178B
Tue Feb 7
6:15-8:45 pm
Tilden CC, #108
$49/each
Renter’s Rights in Minnesota
NEW
Larry Alexander
Unfortunately, landlords o en abuse tenants
who are unaware of what the landlord can
and cannot do. In Minnesota, persons ren ng
residences need to know how to enter into
rental agreements and their rights during
and at termina on of the tenancy. LARRY
ALEXANDER, a J.D. William College of Law
graduate (requiring year-long course in
property law); consulted with tenant at walkin clinics in Minneapolis and Apple Valley;
numerous CLE aƩendances in the subject
(recent: Strategies for Successful NegoƟaƟons
with Landlords; Landlord and Tenant Training On-Demand); Owns and rents out three
houses in HasƟngs. Min. 10/Max. 20
#511140A
Tue Jan 24
6:30-8:30 pm
Tilden Com Ctr, #108
$15/each
“What Baby Boomers Need to
Know to Maximize Retirement”
Savvy Social Security Planning
Rolf White
Baby Boomers are asking ... • Will Social Security be
there for me? • How much can I expect to receive? •
When should I apply for Social Security? • How can I
maximize my benefits? • At this informa ve seminar
you will learn important rules and strategies for
collec ng your re rement benefits. Learn the rules
for ... • How your benefit will be affected by the age at
which you apply • How cost-of-living-adjustments, or
COLAs, affect benefits • How spousal benefits work • How survivor benefits work • How
divorced-spouse benefits work • How working affects benefits • How benefits affect
taxes • What to do if you have other income from pensions or IRAs. Min. 3/Max. 18
#51179D
#51179E
#51179F
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Thu Jan 12
Tue Jan 24
Tue Mar 21
1-2:30 pm
6:30-8 pm
6:30-8 pm
Tilden CC, #109
Tilden CC, #109
Tilden CC, #108
$9/ea; $15/couple
$9/ea; $15/couple
$9/ea; $15/couple
Personal Finance
Social Security - Your Questions Answered!
Abra Hovgaard
Social Security will likely be the founda on of your re rement income. Before you
re re, it’s important to understand your op ons regarding Social Security and the
impact your decisions have on your re rement. We’ll discuss how Social Security fits
into your re rement income plan, when you should start taking benefits, and tax
considera ons. Suitable for people who are nearing re rement and have not started
taking Social Security. Min. 3/Max. 20
#511166A
Mon Mar 6
Stock Trading Suite
6:30-8 pm
Sr. High, #C128
$9/ea; $15/couple
NEW
online with ed2go
Stocks, Bonds, and InvesƟng: Oh, My!
Looking for a good solid class in the basics of stocks, bonds, finance, and inves ng?
The Analysis and ValuaƟon of Stocks
Conven onal and advanced techniques in researching and valuing stocks. Learn how
to read financial statements and calculate financial ra os, and more.
IntroducƟon to Stock OpƟons
Learn how to evaluate, buy, sell, and profit with investment tools that were once
thought to be only for the pros. Learn how to protect your por olio and profit in a
down market, an up market, or even a flat market. Learn to leverage your investment.
Classes begin: Jan 18, Feb 15, Mar 15 and more; $261 for online course suite.
To register, go to: http://bit.ly/2gfYNkd
Where Does All My Money Go?
NEW
ed2go online
Ever get frustrated that you never seem to get ahead? Do you ever wonder where your
money went last month? Do you have trouble saving money? Want to work on paying
down your debt? Learn the very basics of how to get control of your finances. Learn
how to fund your dreams and how to save money for everything from emergencies to
vaca ons. This course is an investment in your future and you will save the cost of the
course many mes over by applying what you learn. Classes begin: Jan 18, Feb 15, Mar
15 and more; $89 for online course.
To register, go to: http://bit.ly/2gIVJOJ
Learn to Buy and Sell on eBay
NEW
ed2go online
Online auc ons match buyers with sellers in a global marketplace for almost any item.
Create tles that get no ced, cra adver sing copy that sells items quickly and for top
dollar, and create and upload photos of the items you are selling. You’ll also learn how
to safely conduct financial transac ons, accept credit card payments, and how to pack
and ship any item hassle-free. Learn how to protect yourself against fraud and more.
Classes begin: Jan 18, Feb 15, Mar 15 and more; $89 for online course.
To register, go to: http://bit.ly/2hcH3uC
Start and Operate Your NEW
Own Home-Based Business
ed2go online
Learn how to be your own boss and eliminate the stress of having a job. The benefits
of working from home are endless! Earn what you deserve, be independent, have
tax deduc ons, do away with traffic, office poli cs and more! Learn how to develop
the entrepreneurial quali es - mo va on, discipline, crea vity - that you will need to
succeed! This class is a great way to start your own business or enhance the one you
already have. Classes begin: Jan 18, Feb 15, Mar 15 and more; $89 for online course.
To register, go to: http://bit.ly/2hesZys
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