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  • 55+ Driver Safety

    Important Legislated Update: There has been an important update to the MN Statute regarding 55+ Accident Prevention courses. During the 2024 legislative session a change was made to the Accident Prevention Course Rule. Effective July 1, the new rule states that the course must be a total of at least 4 hours. This means a first-time participant can take a 4-hour program as their initial training – the 8-hour will no longer be a requirement. If you're 55 or older, get a discount on your personal auto insurance and improve your driving skills. The course, developed by the National Safety Council, teaches basic crash prevention techniques and has a proven record of reducing traffic violations and incidents. It's taught by experienced, professional traffic safety instructors, including officers of the Minnesota State Patrol. The class consists of lecture, films and discussions. There is no behind-the-wheel driving and there are no tests. According to Minnesota state law, people age 55 and older who complete a state-approved defensive driving course are eligible to receive a 10%, three-year discount on auto insurance. After you complete the course, you will receive a certificate of completion to give to your insurance company. Instructor: Minnesota Safety Council. Their Mission: To strengthen individuals, families and organizations by helping prevent injuries and support safer, healthier lives. The Minnesota Safety Council is a member-based, private, not-for-profit organization dedicated to preventing unintentional injuries - a leading cause of death, disability and economic loss. We offer traffic programs for the workplace and the larger community, including defensive driving classes for mature drivers and interactive online programs for teens. Since 1928, our sole focus has been to make Minnesota a safer and healthier place to live. The Minnesota Safety Council is a chapter of the National Safety Council.
  • Balanced Homebuying: Planning for Your Purchase

    Thinking of buying a home? In this workshop, learn five steps for creating a purchase plan that reflects your priorities and goals. Whether you want to buy your first home or move to another, these valuable tips can help prepare you for one of the biggest financial decisions of your life.
  • How to be a Smart College Shopper (online)

    FAFSA? CSS Profile? Merit money? In this seminar, we will explain what each of these things is and offer many more practical tips and tricks that can be used right away to help high school scholars achieve their dreams without accruing mountains of debt. This interactive seminar is designed for both parents/caregivers and high school students, and a copy of the slide deck will be made available by request following the class.
  • Pre-Planning for the Inevitable

    Learn why pre planning your death is important, how it avoids unnecessary stress and confusion of what to do with your body and saves money during a traumatic time. How to choose providers and important details to think about and things to consider in helping to navigate the inevitable.
  • Why You Can’t Always Trust Your Trust

    The trust is a very popular component and tool to be used in our Estate Planning. However, there are 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.