Prior Lake-Savage Area Schools Community Education Services

A real estate class for women who are new to the world of real estate or find themselves needing to make an unexpected move. Whether you're a first-time homebuyer, recently divorced, or widowed, we can provide knowledge and skills to make informed decisions and navigate the process with confidence! Topics will include financing, home buying, selling, real estate title and deed information and supporting resources. Please join us for a night filled with great information and an opportunity to network with others in a similar transition time in life. Guided conversation and instruction from 3 professional women in the Real Estate Industry.

Cable (or satellite) television is the single most expensive utility for many households. This class will show you many viewing options that are free or much lower cost than cable. We'll discuss the pros and cons of cable, how to get internet without cable, how to get TV from your computer to your television, and much, much more. Find out why and how millions of TV watchers are ditching cable forever!

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 details to put in a lease. Becoming a landlord is work but can be very rewarding. We review all aspects of becoming a landlord from buying, selling and renting. A link to the book- "Reality-Based Real Estate Investing" will be provided- as well as a copy of "Reduce Your Risk in Real Estate" - $45 value.

Are you new to Medicare? Do you currently have Medicare but don't fully understand what it is or the options for additional coverage? Navigating the world of Medicare can not only feel overwhelming but it also can be confusing. This class will help explain the basics of what Medicare is, what the options are for additional coverage as well as when the different enrollment periods are. No need to bring anything, except for your questions, and perhaps a pen and paper. It's a great time to learn about all the different Medicare options available to you!

This past year has resulted in some of the most significant changes to the college planning process in decades. Admission trends have changed how colleges admit students. There are substantial changes to the FAFSA and college financial aid that may make college more expensive. Schools have gone ACT/SAT optional, but not necessarily when they award scholarships. Join us to learn how these changes may impact your family, and new strategies to 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.

The social Security decisions spouses make when they are in their 60’s will determine the amount of total income They receive over their lifetime-including the lifetime of the spouse who lives the longest. This workshop will cover some little known rules that can help married couples get more out of the Social Security system. The class will cover: How much Social Security you and your spouse stand to receive over your joint lifetime Rules and guidelines for when spouses should apply for benefits How the decision you make in your 60’s can determine the amount of income you and your surviving spouse will have in your 80’s and 90’s How spouses with little or no prior earnings can take advantage of social security benefits How a little-known rule passed in the 2000’s has opened the door for create spousal strategies The number one most important thing all higher earning spouses should do Two key things you need to know about Social Security survivor benefits How remarriage affects survivor benefits from a former spouse How to avoid mistakes at your Social Security office

*The date for this class is incorrect in the catalog. The correct date is March 7. The social Security decisions spouses make when they are in their 60’s will determine the amount of total income They receive over their lifetime-including the lifetime of the spouse who lives the longest. This workshop will cover some little known rules that can help married couples get more out of the Social Security system. The class will cover: How much Social Security you and your spouse stand to receive over your joint lifetime Rules and guidelines for when spouses should apply for benefits How the decision you make in your 60’s can determine the amount of income you and your surviving spouse will have in your 80’s and 90’s How spouses with little or no prior earnings can take advantage of social security benefits How a little-known rule passed in the 2000’s has opened the door for create spousal strategies The number one most important thing all higher earning spouses should do Two key things you need to know about Social Security survivor benefits How remarriage affects survivor benefits from a former spouse How to avoid mistakes at your Social Security office

Social Security is one of the few income sources that keeps up with inflation and lasts for life. But most women fail to maximize their benefits because they don’t understand the little-known rules that can help them get more out of the system. Learn how to take advantage of spousal benefits, survivor benefits, divorced-spouse benefits, and even divorced-spouse survivor benefits and why women who are married should make the decision about when their husbands should apply for social security. This workshop is for women and the men who have women in their lives (wives, sisters, and mothers). It features essential information all women need to have if they are concerned about financial security in retirement.

Understand how different sources of retirement income are taxed so you can get more bang for your buck in retirement. ATTEND TO LEARN: How the current tax system, Social Security rules and other factors interact to either cost or save you money What an effective marginal tax rate is and why it matters more than your tax bracket How the timing of withdrawals from different retirement income accounts impacts what you keep and what you pay in taxes