WBLAS Community Services & Recreation

Minnesota law mandates a 10% reduction in car insurance premiums for persons 55 years and older who complete a defensive driving class. Courses consist of an overview of safe driving; there are no writing or driving tests required. Classes take place at the Senior Center located at Senior Center 2484 East County Road F, White Bear Lake, unless otherwise stated. Advanced registration is required and can be done by mail, walk-in, or online at www.whitebearregistration.org. No drop-ins.For a complete listing of other sites and classes, call the AARP Information Center at (952) 858-9040. The Refresher Course is 4 hours and is for those who have completed a Full Course but need to renew the certificate.

Today young working adults often have a heavy debt load, significant financial goals in life, and conflicting financial priorities. The purpose of this class is to help guide you through balancing all these goals, logically working though achieving them all without overly compromising your current lifestyle.

Discuss establishing a college savings goal, strategies to help achieve the goal, and the features and benefits of 529 savings plans.

Developing a will is an important step in providing for the ones you love and for you to "Finish Well". During the first class you will learn various techniques of property distribution, protection of the state and beneficiaries, explore basic will concepts and assess your need for a simple will you also receive individualized personal attention, sample forms and language for use in drafting your own will. During the second class, Jim will cover safekeeping techniques and circumstances that may require a review or revision of your will. In addition, you will be able to sign your own will second class.

Receive an overview of the areas of law most often handled by elder law attorneys: Medical Assistance/Long term Care Planning, Estate Planning, Probate and Guardianship.

Unexpected events happen. Plan now and learn about the use and benefit of a Financial Power of Attorney and the Health Care Directive. Understand what the agent's responsibility is and factors in selecting your agent(s). You will leave class with all the forms and information you need to aid you in preparing them.

After years of hard work, retirement may finally be in sight. Learn the five keys to unlocking a fearless retirement while also answering questions such as: What do I need to know before my last paycheck? What types of accounts should I have? How do I turn my assets into a paycheck in retirement? In addition, you'll gain insight into Social Security. While it can be be confusing, making the most of your Social Security has a lot to do with when you apply for benefits. This is a great opportunity to get answers to your questions and learn what Social Security can mean for you.

Spend the evening exploring what is available online to help you sell items from your home. Learn tips and strategies to sell items safely on sites like Craigslist, Facebook, LetGo and OfferUp. Bringing your laptop or mobile device is optional.

Division of the estate can lead to bitter battles between siblings and impact relationships forever. Learn how to keep your cabin, farm, or business in the family without creating a family conflict. We will discuss ways to help ensure your children receive equal inheritance, strategies to help with the impact of taxes, and review your assets for the next generation.

Executor, Trustee, Power Of Attorney, Guardian; what are the responsibilities and liabilities of those were granted these legal titles? This class is invaluable for those trying to decide whom to appoint, as well as for those who have been asked to serve in one of these legal positions.

Social Security is a vital income source for many retirees. But it can be a confusing topic and making the most of it can have a lot to do with timing it right. This workshop can help you get answers to your questions and learn what Social Security can mean for you.

How is retirement different than that of the previous generations? Likely a retirement that is quite different. What’s the outcome? The method to the retirement planning process must change. This workshop begins by exploring an updated approach to retirement planning that accounts for the challenges and pitfalls that are unique to the reality in which we now live. You will learn how to: Determine if you have enough money for retirement Maximize retirement cash flow with the various types of accounts Avoid the pitfalls of planning your distributions in retirement Assess the benefits of Roth conversions Determine if your retirement assets are in fact, diversified Protect your assets against market loss during retirement Guard your assets in an environment with rising taxes Review options for Social Security benefit filing Reduce inefficiencies, expenses, and delays with your estate