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.

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. Computer skills necessary. 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.

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.

ACT/SAT and College Planning Strategies A growing number of college applicants included test scores in their applications for admission to college this fall, and this growth comes at a time when the ACT and SAT have recently undergone some dramatic changes. Amid the changes, how can your student make sense of the new world of testing and how can test scores fit into their college plans? What do they need to know about the new ACT and SAT? Join us to learn about how these changes may impact your family, and new strategies you should consider to give your student the best opportunity to be admitted and maximize scholarships and financial aid. If you are the parent of a HS student in grades 9-11, this is incredibly important info you will not want to miss. Register today! 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.

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.

Earn a passive monthly income from selling other people’s products by placing a merchant-provided advertisement link on your site and get a commission for every sale, click or lead. Learn where to find 1000+ free and low cost opportunities and how to avoid scams or links that won't offer a beneficial ROI (return on investment). Learn how to find high, recurring, and second-tier commissions. You'll also learn SEO secrets to increase your site's ranking and visibility on search engines like Google. Informative handouts for future use are included in class fee. 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.

Unlock the secrets to earning money around the clock. This dynamic class teaches you practical strategies and step-by-step tools to develop, launch, and automate income-generating products that keep working for you with minimal ongoing effort. You’ll learn how to identify profitable opportunities (50 ideas included!), build irresistible offerings, master automated sales and marketing systems, and scale your income streams—all while protecting your work and overcoming common hurdles. Get ready to transform your ideas into a powerful, passive income machine that works day and night. 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.

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.

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.