Learn how to be more successful when acquiring or selling real estate by understanding the purchase agreement, strategies for multiple offers, and different ways to cover closing costs and mortgage insurance. We review market data and an overview of loan programs- including a loan for escrowing improvements, appraisal issues affecting a home sale, and small things to improve your chances of selling your property. A no-obligation price evaluation of your home by the instructor is included.

Insurance is about mitigating risks and preparing for the future. Are you curious about the various types, how they differ, and options and strategies for personal and business applications? How can these three types of insurance benefit both yourself and others, especially when living benefit riders are available? We review options regarding existing policies, too.

As you get closer to age 65, you may feel bombarded with information about Medicare. Simplify that information and learn the basics of Medicare. You will get an overview for Medicare coverage and explanations of Part A,B,C and D. You'll also learn about how and when to apply and how to avoid penalties. There will be plenty of time for questions. All ages are welcome to attend. Melody Manthey is a licensed insurance representative.

Did you know that women face unique challenges when it comes to maximizing their Social Security benefits? Understand key Social Security provisions like: • How to qualify for spousal and survivor benefits off your husband's record • Increasing your payments by delaying claims as long as possible • Managing the earned income limits if you continue working • Collecting on your ex-spouse's record after divorce • Minimizing taxes on your Social Security income in retirement