We will review the process of buying a home from A-Z and discuss unique funding that is only available to YOU- a first-time buyer. With one program, it is possible to buy a home for as little as $1000 of your own funds. You are generally a first-time buyer if you have not owned a home in the past 3 years.

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.

Many baby boomers today face the tough decision of finding appropriate housing options for their parents. Moving mom and dad is often a challenge, especially when mom and dad are reluctant to address the issue. In this class, we will discuss and give an overview of the housing market in general for those considering buying or selling a home. We also provide a guide called Moving Mom & Dad, a $24.95 value. The guide covers the five common mistakes Children of aging parents make and how to avoid them. The guide also includes the following topics: • Conversation starters for discussing late-life housing choices with aging parents, •Solutions for remodeling homes designed for aging-in-place, • Descriptions of common senior living options and 55+ communities, • Key questions to ask when researching assisted living and long-term care communities, • Tips and criteria for hiring key service providers, Frequently Asked Questions and much more. Access to preferred service providers and discount coupons are provided, as well as a no-cost home evaluation for those who want to know the value of their home and recommended suggestions to make it more salable

In this engaging and informative class, you'll uncover the secrets to selling your home for top dollar while ensuring a smooth, stress-free experience. We’ll walk you through the ins and outs of the current real estate market, providing you with the knowledge you need to make informed decisions every step of the way. Learn how to strategically price your home!

Are you and your spouse nearing retirement age? Learn how to get the most out of your Social Security benefits as a couple. Topics include: How marriage impacts Social Security, Deciding when to claim, Coordinating with other income sources, Taxes and Social Security, Working while receiving benefits, and Techniques higher-earning couples can utilize. This class is essential for married couples wanting to ensure they receive their full share of the Social Security benefits they've earned.

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

In retirement, your tax rate may vary widely over the years based on the timing and order. Learn about the following: The critical tax question you must answer BEFORE retirement, What the Social Security “tax trap” is and how you can avoid it, Why tapping assets in the wrong order can trigger higher Medicare premiums, The four stages of retirement and important tax actions in each stage, and Mistakes to avoid when it comes to your investment portfolio, health care, and estate.

Are you turning sixty-five and wondering about Medicare? Would you like to understand Medicare Part A and B and the difference between Medicare supplements and Advantage plans? What are your choices if you are working and have a group plan? Learn when you can enroll and where you can make some comparisons to select the right option. The class is presented via PowerPoint with takeaway handouts and a reference guide. It is generic and educational. Optional one-on-one meetings are free for attendees to discuss specific options and available plans if so desired.