36 Results

  • Everything You Want to Know About MEDICARE, Including Latest Changes

    Including Latest ChangesThinking of getting ready to retire? Are you a family member or a caregiver to someone who has Medicare coverage? Already have Medicare and just want to know what is going on with Medicare? This class is a chance for anyone to learn about Medicare. Key topics covered include: Part A-Hospital, Part B-Clinic, Part C-Medicare Advantage, Part D-Medication, When to Apply, Where to Apply, Social Security vs. CMS, How Much the Different Parts Cost, When Should I Get a Supplement, What is the penalty if I don’t sign up at the right time? Greg DeKeuster is certified in MNsure, Medicare and Federal Exchange. He has 9 years of experience navigating the Healthcare Industry. Min. 4 individuals or 3 couples/Max. 20 people   [NOTE:  Room #125 can only hold about 12 people max. We’ll cap those sections at 12 people.]LOCATION:Tilden Community Center, 310 River Street, Hastings, MN  55033.  Park in lot off River & 4th Streets and enter main door. Stop in the office on the way in to check in. Room is near entrance, one level.
  • Estate Planning for Second Marriages

    With over half the marriages in today’s world ending in divorce, it is imperative to get educated and plan what’s best for your estate. Lives change and without proper planning, your goals will not be achieved and the wrong people will get your stuff. You might have a home, cabin, business investments, children, stepchildren and a significant age difference with your second spouse. The plan has to be tailored to your situation. In this class, we will discuss how to position your assets to make everyone in your family happy, including the ex-spouse. Bring your questions. Min. 6 individuals or 5 couples/Max. 20 people
  • What You Need to Know about Long-Term Care and Medicaid

    Do you worry about the cost of long-term care in a nursing home? What will it do to your savings? What will it do to your family? Learn what everyone needs to know about long-term care, nursing homes, and Medicaid. You will leave class with an understanding of how and when Medicaid pays for long-term care, and what you can do to protect yourself and your family. Discover what you can do to avoid significant problems like divestment and protect your family.Min. 1/Max. 15
  • What Baby Boomers Need to Know to Maximize Retirement

    Savvy Social Security Planning Baby Boomers are asking ... Will Social Security be there for me? How much can I expect to receive? When should I apply for Social for Social Security? How can I maximize my benefits? At this informative seminar you will learn important rules and strategies for collecting your retirement 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; and What to do if you have other income from pensions or IRAs. Min. 3/Max. 18
  • Medicare Made Simple

    An educational seminar for people transitioning into Medicare or for children of parents in or entering Medicare. This is an opportunity for anyone interested in learning more about how Medicare works. You will get help with important decisions, such as: 1) How do I sign up for Parts A & B?, 2) What is Part D?, 3) Do I need a supplement?, and 4) Can I get help with Medicare costs? Min. 3/Max. 25
  • Writing 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. Don’t let this happen. Learn about estates and wills, and prepare a legal will in class. You will want to think about how you’d like to distribute your estate PRIOR TO CLASS to be ready to complete the will in class. Receive instructions 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.Be sure to go to www.HastingsCommunityEd.com and click on the "Adult" tab near the bottom. Then, on the left side, click the "Forms" link. From here you will see the preparatory document you should download and review to be ready for class.
  • The Will & The Trust: Uses for Each

    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 questions. Michael Burke has been practicing law for over 25 years. His areas of practice include Estate Planning (including Wills, Trusts, Powers of Attorney), Probate, Real Estate, and Guardianships/Conservatorships. Min. 5/Max. 20
  • What to do When Someone Dies

    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 settle the estate when someone dies: collecting assets, protecting assets, paying debts and taxes, and distributing the assets. This class will provide a foundation of understanding about the role of the Personal Representative/Executor, family members, and others, in an orderly estate administration. Min. 3/Max. 24
  • 10 Secrets & Tips for Successfully Buying a Home or Investment Property

    This class is for anyone who wants to learn how to be more successful in acquiring real estate. Learn about what things to put in the purchase agreement, strategies for getting your offer accepted in a multiple offer, and different ways to cover closing costs and mortgage insurance. Evaluate a purchase agreement and discuss the home buying process.
  • Why You Can't Trust Your Trust

    Do you know what is the most oversold and misunderstood legal product on the market today? The answer is -- a Revocable or Living Trusts. Trusts are oversold as the end all to fit all. They are full of legal wording that only attorneys understand. 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. Learn what the pros of a revocable trust are and if it is a fit for you. Also discover what other options are out there for you. Bring your questions.Min. 6 individuals or 5 couples/Max. 20 people
  • Long Term Care Planning & Medical Assistance

    Join our Estate Planning Attorney Mark Balzarini, who specializes in rural and farming communities, in this workshop. Gain an understanding of: Current Medical Assistance rules in Minnesota,  What constitutes available assets, exempt assets, and excluded assets,  an explanation of the Look-Back Period for Gifting and period of ineligibility,  Eligibility for benefits,  Estate recover provisions,  Life Estates, Gifting, Alternative Care Programs (Waiver Programs),and  LTC Planning using Gifting and Annuities.
  • Get Your Powers of Attorney

    Learn what powers of attorney for health care and finances are and why they form the foundation of any estate plan. This class will use the statutory forms to discuss how these documents work. The class will also explain the limitations of these free forms and common problems encountered with all powers of attorney documents.NOTE: You will not leave class with a signed and notarized document. You will, however, walk through both Wisconsin and Minnesota’s accepted forms (there are multiple) step-by-step with discussion on each area to better understand each area. Some of this will likely take additional thought from individuals – others may know exactly what they wish to do and could, essentially, fill in the blanks in class. Then, one would only need to have two people sign as witnesses and have document notarized. Notaries can be found easily in numerous places around the community, City Hall, banks, and including Tilden Community Center.Min. 1/Max. 15
  • Want to Retire Early, and Don't Know What to do About Health Coverage?

    With the absolute political insanity around Health Insurance today, employers, individuals and early retirees are looking for cost-effective and efficient solutions to provide financially for medical needs of their employees or themselves that also complies with the Affordable Care Act (ACA). The good news is you have options! Health Care Sharing (HCS) has been around for more than 30 years and it has evolved over time to become a very viable option for many individuals and employers. At this workshop, we will discuss how HCS works, eligibility and the costs of the various plans available. Min. 3/Max. 25
  • Retirement: Making Your Money Last

    What Happens After the Paycheck Stops? A Retirement Income Primer for individuals considering retirement or recently retired investors. > Have you retired recently? Are you planning to retire soon? This presentation discusses ideas to help build a reasonable and sustainable strategy for managing income and expenses during retirement. We’ll explore how to address key concerns such as inflation, health care expenses and market volatility as well as ways to prepare in advance for things that may not go as expected. We’ll examine how to budget for retirement expenses and your potential sources of retirement income. We’ll also identify risks to your retirement income and ways to address them. Min. 4/Max. 12
  • Social Security: Your Questions Answered

    For people who are nearing retirement and have not started taking Social Security > Social Security likely will be the foundation of your retirement income. Before you retire, it’s important to understand your options regarding Social Security and the impact your decisions have on your retirement. We’ll discuss how Social Security fits into your retirement income plan, when you should start taking benefits, and tax considerations.
  • Estate Plans that Work

    Follow along as we cover the basics of all estate plans – revocable living trusts, wills, powers of attorney, health are directives and HIPAAs. More topics include: Disability planning,  Probate,  Protecting children’s inheritance against divorce, bankruptcy and lawsuit,  Proper funding of an estate plan,  Minnesota Estate Tax,  Gifting strategies,  Long Term Care Planning, and  Asset Protection.
  • Moving Mom & Dad

    5 Common Mistakes Children of Aging Parents Make and How to Avoid Them!Many baby boomers today are facing the tough decision of finding appropriate housing options for their parents. Moving mom and dad is often a challenge, especially when mom and dad are reluctant to address the issue. In this class we will discuss and give an overview of the housing market in general for those considering buying or selling a home. We also provide a guide called "Moving Mom & Dad", a $24.95 value. The guide covers the 5 common mistakes children of aging parents make and how to avoid them. The guide also includes the following topics: Conversations starters for discussing late-life housing choices with aging parents, Solutions for remodeling homes designed for aging-in-place, Descriptions of common senior living options and 55+ communities, Key questions to ask when researching assisted living and long-term care communities, Tips and criteria for hiring key service providers, w Facts about estate sales and auctions, and Frequently Asked Questions and much more. Access to preferred service providers and discount coupons are 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.
  • Estate Planning for Second Marriages

    With over half the marriages in today’s world ending in divorce, it is imperative to get educated and plan what’s best for your estate. Lives change and without proper planning, your goals will not be achieved and the wrong people will get your stuff. You might have a home, cabin, business investments, children, stepchildren and a significant age difference with your second spouse. The plan has to be tailored to your situation. In this class, we will discuss how to position your assets to make everyone in your family happy, including the ex-spouse. Bring your questions. Min. 6 individuals or 5 couples/Max. 20 people
  • What to do When Someone Dies

    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 settle the estate when someone dies: collecting assets, protecting assets, paying debts and taxes, and distributing the assets. This class will provide a foundation of understanding about the role of the Personal Representative/Executor, family members, and others, in an orderly estate administration. Min. 3/Max. 24
  • How to Pay for the Nursing Home, An Attorney's Perspective

    We all come in to the world with nothing and leave with nothing, we have all heard this. The biggest fear for most baby boomers is how to pay for the nursing home and still leave the next generation something. With ever changing estate planning laws and great increases in nursing home costs the fear is real. In today’s world you need to understand what your options are. Is long term care insurance for you? What about home care? Should I gift my money away? Would I qualify for Medicaid? What about my current Trust, does it avoid the nursing home? What is the 60 month claw back? What if my spouse goes into the nursing home and exhausts our money? We will walk through these questions and many more, including how to plan and place your assets to meet your nursing home goals. Min. 6 individuals or 5 couples/Max. 20 people
  • What You Need to Know about Long-Term Care and Medicaid

    Do you worry about the cost of long-term care in a nursing home? What will it do to your savings? What will it do to your family? Learn what everyone needs to know about long-term care, nursing homes, and Medicaid. You will leave class with an understanding of how and when Medicaid pays for long-term care, and what you can do to protect yourself and your family. Discover what you can do to avoid significant problems like divestment and protect your family.Min. 1/Max. 15
  • How to Win with Investment Properties

    Ever 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 things to put in a lease. We review all aspects of becoming a landlord from buying, selling and renting.
  • Long Term Care Planning & Medical Assistance

    Join our Estate Planning Attorney Mark Balzarini, who specializes in rural and farming communities, in this workshop. Gain an understanding of:1) Current Medical Assistance rules in Minnesota, 2) What constitutes available assets, exempt assets, and excluded assets, 3) an explanation of the Look-Back Period for Gifting and period of ineligibility, 4) Eligibility for benefits, 5) Estate recover provisions, 6) Life Estates,7) Gifting,8) Alternative Care Programs (Waiver Programs),and 9) LTC Planning using Gifting and Annuities.
  • Probate: Understand It, Avoid It!

    Many people die without preparing important estate planning documents. By not planning, you risk the need to probate your estate, with its costs, delays, public filings and possible loss of control of the disposition of the assets you spent a lifetime acquiring. Estate Planning and elder Law attorney Kathleen M. Wagner will discuss the importance of planning to avoid probate, the different ways property is transferred when someone dies, and the reason having a will does not avoid probate. Min. 3/Max. 24