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Downsizing in the Current Housing MarketMoneyDownsizing in the Current Housing Market Have you been thinking that now might be the time to downsize but aren’t sure where to start, how to do it, or what your options are? Bonus-all attendees receive the Downsizing Made Easy guide PDF-A $24.95 value. Access to preferred service providers and discount coupons provided to all attendees as well as a no cost home evaluation for those who want to know the value of their home and recommended suggestions to make it more salable. Instructor: John MazzaraAdult Enrichment 2025-2026
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First Time Home BuyersMoneyFirst Time Home Buyers We will review the process of buying a home from A-Z and discuss unique funding that is only available to YOU - a first-time buyer. With one program, it is possible to buy a home for as little as $1000 of your own funds. You are generally a first-time buyer if you have not owned a home in the past 3 years. Instructor: John MazzaraAdult Enrichment 2024-25
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First Time Home BuyersMoneyFirst Time Home Buyers We will review the process of buying a home from A-Z and discuss unique funding that is only available to YOU - a first-time buyer. With one program, it is possible to buy a home for as little as $1000 of your own funds. You are generally a first-time buyer if you have not owned a home in the past 3 years. Instructor: John MazzaraAdult Enrichment 2025-2026
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Four Successful Strategies to Protect the House, Farm, Cabin & More - Before & After Your DeathMoneyThe concern: our family has a 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. Instructor: Steve Ledin Law PLLCAdult Enrichment 2024-25
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How to Pay for the Nursing Home: An Attorney's PerspectiveMoneyThe 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? Get the answers to these and other questions and learn how to create an effective plan to deal with these uncertainties. Instructor Steve LedinAdult Enrichment 2025-2026
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How to Win with Investment PropertiesMoneyEver considered becoming a landlord or investing in real estate but needed more information? Learn about opportunities in today's Twin Cities marketplace, how to analyze a property, tax considerations, and what to put in a lease. We will review all aspects of becoming a landlord from buying. selling, and renting. Instructor John MazzaraAdult Enrichment 2024-25
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How to Win with Investment PropertiesMoneyEver considered becoming a landlord or investing in real estate but needed more information? Learn about opportunities in today's Twin Cities marketplace, how to analyze a property, tax considerations, and what to put in a lease. We will review all aspects of becoming a landlord from buying. selling, and renting. Instructor John MazzaraAdult Enrichment 2025-2026
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Intro to Senior HousingMoneyIntro to Senior Housing Aging often involves transitioning to different housing. The process involves coordinating financial and physical health considerations and frequently downsizing a home. We review these aspects so you can plan. Housing discussed- buying & renting-subsidized and elderly waivers, market-rate apartments, 55+, CCRC, independent/assisted living age in place, memory care, cooperatives, condo/townhouses. Explore alternatives to just single-family living. Come with your questions to decide what will work best for you and what are your next steps? Instructor: John MazzaraAdult Enrichment 2024-25
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Intro to Senior HousingMoneyIntro to Senior Housing Aging often involves transitioning to different housing. The process involves coordinating financial and physical health considerations and frequently downsizing a home. We review these aspects so you can plan. Housing discussed- buying & renting-subsidized and elderly waivers, market-rate apartments, 55+, CCRC, independent/assisted living age in place, memory care, cooperatives, condo/townhouses. Explore alternatives to just single-family living. Come with your questions to decide what will work best for you and what are your next steps? Instructor: John MazzaraAdult Enrichment 2025-2026
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Medicare BasicsMoneyMedicare is very complicated and confusing for most people. Learn about Medicare Parts A,B,& D. Medicare does not cover all medical costs, so you will learn how a Medicare Supplement Plan and Part C can help! There will be time at the end to answer individual questions. Due to a significant contribution we are able to offer this class for free. Registration is still required to attend. Instructor Jordan DraperAdult Enrichment 2024-25
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Medicare Basics- Inver Grove HeightsMoneyMedicare 101: Navigating Medicare can be confusing, but this class will help you understand Parts A, B, C, and D. Learn how a Medicare Supplement Plan or Part C (Advantage Plan/Medicare Savings Account) can assist with coverage. The session will include time for individual questions. This is an educational class only.Adult Enrichment 2024-25
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Questions and Answers with a MN Will and Trust Planning AttorneyMoneyGet expert advice in this open-forum seminar with a seasoned Will & Trust attorney. Learn about avoiding Probate, the role of Wills and Trusts, asset protection, nursing home considerations, and more. Discover how to choose the right estate plan, manage separate assets, and deal with death taxes. Ensure a smooth legacy for your children and gain insights into managing retirement assets. Your questions, including Transfer-On-Death Deeds, will be answered in this relaxed and friendly session. Join us for essential estate planning insights! Instructor: Steve Ledin Law PLLCAdult Enrichment 2024-25
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Questions and Answers with a MN Will and Trust Planning AttorneyMoneyGet expert advice in this open-forum seminar with a seasoned Will & Trust attorney. Learn about avoiding Probate, the role of Wills and Trusts, asset protection, nursing home considerations, and more. Discover how to choose the right estate plan, manage separate assets, and deal with death taxes. Ensure a smooth legacy for your children and gain insights into managing retirement assets. Your questions, including Transfer-On-Death Deeds, will be answered in this relaxed and friendly session. Join us for essential estate planning insights! Instructor: Steve Ledin Law PLLCAdult Enrichment 2025-2026
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Questions and Answers with a MN Will and Trust Planning Attorney (Online)MoneyGet expert advice in this open-forum seminar with a seasoned Will & Trust attorney. Learn about avoiding Probate, the role of Wills and Trusts, asset protection, nursing home considerations, and more. Discover how to choose the right estate plan, manage separate assets, and deal with death taxes. Ensure a smooth legacy for your children and gain insights into managing retirement assets. Your questions, including Transfer-On-Death Deeds, will be answered in this relaxed and friendly session. Join us for essential estate planning insights! Instructor: Steve LedinAdult Enrichment 2024-25
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Savvy Social Security PlanningMoneySavvy Social Security Planning Learn what baby boomers should consider when coordinating their retirement income and social security. Do you know how to estimate your benefits? We discuss five factors to consider when applying for benefits. Does it make sense to delay or not? Also, might it be better to delay benefits and coordinate with your spouse? Other innovative strategies, as well as how to minimize taxes on benefits, are reviewed. Instructor: John MazzaraAdult Enrichment 2025-2026
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Senior Housing Should I Stay or Should I Go?MoneyShould I Stay or Should I Go? We will be discussing lifestyle options for senior living. Should I stay and age in place - making home modifications to reduce safety risk OR should I go - moving to a home option that may be handicapped accessible, single level living? We will take an assessment and give up the tools to make educated decisions. Instructor: Vaughn KavlieAdult Enrichment 2025-2026
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So You're Thinking About Leaving Minnesota: An Attorney's Perspective (Online)MoneyA 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! 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 the quality of medical resources and retirement facilities? Questions are encouraged.Adult Enrichment 2025-2026
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The 10 Important People You Need for Your Estate Plan to WorkMoneyThe 10 Important People You Need for Your Estate Plan to Work In each Minnesotan’s life, there are ten people we should be prepared to count on as we age and move into the last stages of our lives. In this class we will learn the answers to: What are the roles and responsibilities of these people? How long do they serve and how much of a time commitment are we asking? How much guidance can we give them? Who makes an ideal selection for each of these vastly different roles? Who makes a bad selection for these roles? What pitfalls and problems should we be aware of? These jobs include: Attorney-In-Fact, Health Care Agent, Estate Executor, Trustee, Guardian and more. All are vastly different jobs that benefit you and they deserve careful thought. This class encourages questions. We will provide the answers. Instructor: Steve Ledin Law PLLCAdult Enrichment 2025-2026
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The Baby Boomer’s Guide to Medicare Planning-Learn the Medicare BasicsMoneyThe Baby Boomer’s Guide to Medicare Planning-Learn the Medicare Basics Are you turning sixty-five and wondering about Medicare? Would you like to understand Medicare Part A and B and the difference between Medicare supplements and Advantage plans? What are your choices if you are working and have a group plan? Learn when you can enroll and where you can make some comparisons to select the right option. The class is presented via PowerPoint with takeaway handouts and a reference guide. It is generic and educational. Optional one-on-one meetings are free for attendees to discuss specific options and available plans if so desired. Instructor: John MazzaraAdult Enrichment 2025-2026
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Why You Can't Always Trust Your TrustMoneyThe trust is a very popular component and tool to be used in our Estate Planning. However, there is a variety of vastly different Trust options to be used and the question arises: Am I using the right Trust for my needs and goals? Often used Trusts include: Living Trusts, Testamentary Trusts and Irrevocable Trusts, each serves a different purpose, each has a different result. One common problem that often needs addressing is the over-utilization of the Living Trust for goals or problems that it does not resolve. For example, “Does my Living Trust protect my assets against Medicaid and the nursing home?” The answer is probably not. The Irrevocable Trust and the Testamentary Trust each have their strengths and weaknesses as well. We will clearly define the strengths and weaknesses of these different types of Trusts and when to use them. Explore your goals and wishes to see where they fall in the realm of Trusts. Class encourages questions and we hope to provide answers that will set your mind at ease or assist you in the decision making in this area.Adult Enrichment 2025-2026
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Retirement Road Sign with blue sky and clouds. (flickr) (CC BY 2.0)Will Taxes Affect Your RetirementMoneyIt's critical to have a solid understanding of the tax status of investments to make informed decisions and avoid paying more than the fair share. In this seminar, attendee learn: How future tax changes may create the potential for higher taxes. Ways to create tax-free retirement income. How social security is taxed. How to work efficiently within current tax brackets. Instructor: Kevin SchwartzAdult Enrichment 2024-25
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Write Your Own Power of Attorney & Healthcare DirectiveMoneyWrite Your Own Power of Attorney & Healthcare Directive Everyone should have a health care directive and a power of attorney whether you are 18 or 80. Without these important documents, it can be difficult for your loved ones to get health care information, make health care decisions on your behalf or handle your financial affairs if you should become incapacitated. Gain valuable information and tools to organize your affairs. Receive instructions and professionally prepared forms, and have access to witnesses and a notary public. Must bring your driver’s license for identification. This class is a great supplement to the Writing your Own Will class. Instructor: Kristin DavisAdult Enrichment 2025-2026
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Writing Your Own Will - Inver Grove HeightsMoneyHaving 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. You can avoid that. Prior to class, information will be sent to you for review. During class, learn the background on estates and wills, then finish by preparing a legal will with instructions during class on a professionally prepared form. The will is then notarized with a witness at class. This class is appropriate for people who have an estate of less than $2,000,000, including life insurance, and do not own a business. Each participant must register separately, couples cannot legally share the form. Bring an appropriate ID for notary and a pen to class.Adult Enrichment 2024-25
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Writing Your Own Will - South St. PaulMoneyWriting Your Own Will 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. You can avoid that. Prior to class, information will be sent to you for review. During class, learn the background on estates and wills, then finish by preparing a legal will with instructions during class on a professionally prepared form. The will is then notarized with a witness at class. This class is appropriate for people who have an estate of less than $2,000,000, including life insurance, and do not own a business. Each participant must register separately, couples cannot legally share the form. Bring an appropriate ID for notary and a pen to class. Instructor: Kristin DavisAdult Enrichment 2025-2026