ISD 279 - Osseo Area Schools Community Education

Experience a comprehensive, 5-hour course, spread over two evenings that touches on a broad array of topics to improve your overall confidence in retirement. You'll cover optimizing distribution choices like social security, pensions, work retirement plans and IRAs, including the power of Roths and how they can be used to reduce taxes. You'll also discuss investing to reduce volatility, when insurance and annuities make sense, and even cover high-level estate planning.

Are you considering putting an estate plan in place but are concerned about how to deal with a difficult issue? Have you tried to make a plan but were unable to complete it? If you have a complication in your life, and most of us do, this is the seminar for you. Attorney Susan T. Peterson-Lerdahl will examine several common reasons to customize your estate plan such as divorce, remarriage, his/hers kids, loved ones with special needs, addictive behaviors, or poor money management, other estate concerns and medical assistance estate recovery, and will then discuss options addressing such issues.

Your family’s cabin represents more than a mere getaway; it embodies a cherished legacy. However, without a comprehensive plan, this beloved retreat may become a source of family conflict, financial strain, or even necessitate a sale. This class is designed to guide you through the complexities of legal options, ownership structures, and financial strategies, ensuring that your cabin remains a treasured asset for future generations. Take proactive steps now to safeguard your memories and preserve your family’s heritage.

Imagine leaving behind clarity instead of chaos. In this engaging and practical session, you'll learn how to organize your personal and financial information into one simple, accessible system your family will thank you for. Whether it’s passwords, insurance, investments, estate documents, key information about pets, subscriptions, or just “where things are,” we’ll help you get it all in one place - without stress, legal jargon, or overwhelm. This isn’t about death. It’s about doing something kind and thoughtful now so your loved ones can focus on each other when the time comes. This class is the first of it’s kind!

FAFSA? CSS profile? Merit money? Learn what each of these things is as well as 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 parents/caregivers and high school students. A copy of the slides will be made available by request following the class.

Turning 65 soon? Learn about how and when to enroll in Medicare, important steps to avoid penalties, and the pros and cons of Part C, Part D, and Medicare supplements.

This is an online class held via Zoom. Please make sure you have a current email on file so we can send you the link in advance. You will receive PDF handouts during the presentation. 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. The instructor LeeAnne Krusemark is a former journalist, current author and editor, and a nationwide Professor of Publishing at higher learning institutions, including Harvard Adult Education.

This is an online class held via Zoom. Please have a current email on file with us so that we may send your login information a few days prior to class. The college search continues to become more complex, making it harder for families to identify right fit schools. Challenges include: Substantial changes to the FAFSA and financial aid may make college more expensive Admission trends and how colleges admit students Testing - some require it now and some don't - what path makes sense? 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.

This is an online class held via Zoom. Please make sure you have a current email on file so we can send you the link in advance. You will receive PDF handouts during the presentation. Hey, Teen! What's the fastest way to make money as a teenager? The answer is a side hustle. Fortunately, you don’t have to wait till you're over a certain age to earn $$ with side hustles that can easily fit into your teen life - between all the classes, chill sessions, and extracurricular activities. And, most of these side hustles don’t require you to study more, won’t interfere with your social life, and can help you hit any financial goal, maybe even get that car! Leave class loaded with information about how to fill out any legal forms to get the business started, and details about 50 profitable side hustle ideas to get you going fast. Informative handouts for future use are included in class fee. The instructors include a guest teen entrepreneur, and a longtime instructor LeeAnne Krusemark who is a Chamber of Commerce Past President, current author/editor, and a nationwide Professor of Publishing at higher learning institutions, including Harvard Adult Education.

This is an online class held via Zoom. Please make sure you have a current email on file so we can send you the link in advance. You will receive PDF handouts during the presentation. Online blogging is a great way to get the word out about you, your service, your product, or information you want to share! You will learn step-by-step how to: start a FREE blog with WordPress choose a blog template emphasize your blog content with a creative name use your unique voice to share your expertise connect your domain/website You will also learn how to earn an income with your blog, including links to other websites and advertising on your blog, as well as increase your internet ranking.

This is an online class held via Zoom. Please make sure you have a current email on file so we can send you the link in advance. You will receive PDF handouts during the presentation. Have you seen ads telling you how to become a shopper, but only if you send them a lot of money? You do not have to pay to begin your new career in this exciting field. (Participants must also attend “Explore 250 Legitimate Home-Based Business Ideas” for a clear understanding of this endeavor.). You will learn how to sign up with many legitimate mystery shopping companies WITHOUT FEES, avoid pitfalls and scams, create a required mystery shopping resume and profile and how to file your mystery shopping reports for payment. Informative handouts for future use are included in class fee, including a list of 25 legitimate companies you can work for.

This is an online class held via Zoom. Please make sure you have a current email on file so we can send you the link in advance. You will receive PDF handouts during the presentation.. Do you love animals...especially dogs? Learn how to make extra money after school or work by watching dogs or other pets, requested in the pet's home. Learn about feeding, watering, exercising pets, how to make a good impression as well as what questions to ask when interviewing for a pet sitting job, and what to do when a dog has behavioral issues. You'll also discover other services you can offer to make more money, such as dog walking, grooming, puppy training, etc. Informative handouts for future use are included in your class fee. This class is taught by a seasoned professional pet sitter and a longtime entrepreneur. The webinar login information will be emailed the day before the class.

This is an online class held via Zoom. Please make sure you have a current email on file so we can send you the link in advance. You will receive PDF handouts during the presentation. Tired of working for someone else? Do you need to make more money? Turn your talents and hobbies into profits by starting a home business. Taught by a Chamber of Commerce Past President and award winning business owner, this is probably the most comprehensive business start up workshop you will ever find. You will discover: more than 250 legitimate home business ideas mandatory legal documentation many ways to market your product/service how to take tax deductions (this workshop included!) Informative handouts for future use are included in class fee. The instructor LeeAnne Krusemark is a former journalist, current author and editor, and a nationwide Professor of Publishing at higher learning institutions, including Harvard Adult Education.

This is an online class. Please have a current email on file with us so we can send the Zoom link and materials prior to class. Do you like to shop? You can get paid to shop at almost every local store in your area, plus there are many online shopping assignments you can do from home. Mystery shop on vacation all across the USA and in over 70 countries worldwide - FREE hotels, restaurant meals, car rentals, sightseeing tours, etc. Mystery shopping has become the most cost-efficient way for stores & businesses to know their customers and stay in business, especially during these challenging economic times. Learn how to avoid scam companies and work for the best mystery shopping companies that pay the most. Get the names & contact information for the TOP 100 MYSTERY SHOPPING COMPANIES including addresses, websites, and phone numbers to make all these ideas practical. We review actual mystery shopping assignments so you know exactly what to do, including the paperwork. Get paid or keep the items you buy on assignment. A FREE dinner for two at a nice restaurant, a FREE hotel night, a FREE tank of gas, FREE groceries, FREE dry cleaning & more. Learn how to play up your qualifications for the best assignments, how to fit mystery shopping into your daily schedule, and how to earn the most income. Instructor, Gina Henry has been a professional mystery shopper for over twenty years. She teaches in 90 cities nationwide and wrote the book “How To Travel Free”. Tuition includes instructors 100-page digital book "Mystery Shopping - Get Paid to Shop” (a $39.95 value). Go to www.GinaHenry.com for more instructor information.

This is an online class held via Zoom. Please make sure you have a current email on file so we can send you the link in advance. You will receive PDF handouts during the presentation. If you can type, then you can make money at home using your computer. You will discover how and where to find clients, 50 ways to advertise/market your services, effective home office equipment choices, and 100 ways to make money with a computer. (You must also attend “Explore 250 Legitimate Home-Based Business Ideas” for a clear understanding of this endeavor.) There really is a need for your services, so learn to be your own boss, set your own hours, and make more money. Informative handouts for future use are included in class fee.

This is an online class held via Zoom. Please make sure you have a current email on file so we can send you the link in advance. You will receive PDF handouts during the presentation. 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. 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 is an online class held via Zoom. Please make sure you have a current email on file so we can send you the link in advance. You will receive PDF handouts during the presentation. Looking for ways to make money online? Turn your ideas or homemade products into income by starting an online business. You will learn how to: find a gap in a niche market and fill it build your own website, and market your business effectively (including SEO) so potential customers will find you take care of business forms and taxes create multiple sources of income (including Affiliate commissions) You’ll also get info about the 25 most popular online businesses to start. Informative handouts for future use are included in class fee. The instructor LeeAnne Krusemark is a Chamber of Commerce Past President, current author/editor, and a nationwide Professor of Publishing at higher learning institutions, including Harvard Adult Education. The webinar login information will be emailed the day before class.

Retirement is an exciting time that comes with several considerations for social security, taxes, and investments. You only retire once, so ensure you are making smart choices during this major life transition to make it successful. You'll learn ways to secure and make the most of your retirement paycheck.

Without a will, the laws of MN determine to whom your estate goes and even who should be the guardian of your minor children. Learn about wills and the probate process and prepare and complete a legally binding will that evening. You'll be provided with a professionally prepared will form, witnesses and notary public, everything necessary to complete this important document. Class is for generally people with estates under $1 million who do not own a business. This class is taught by an attorney.

Act now, tax rates are increasing in 2026! You must pay taxes, but don't leave the IRS a tip! Understanding tax strategies and managing your tax bill are key to a sound financial plan. Whether it's determining where to save for retirement, how to create a tax efficient retirement paycheck, or how to pass wealth to future generations, with careful and consistent planning you can potentially reduce your lifetime tax bill.

Join us for an informative seminar on the fundamentals of estate planning. Whether you're just starting to think about your legacy or want to ensure your family is protected, this session will cover essential topics to help you plan with confidence. You'll explore key components like wills, trusts, powers of attorney, and healthcare directives, along with tips for reducing estate taxes and avoiding probate. Gain valuable insights and learn how a well-crafted estate plan can bring peace of mind for you and your loved ones.