Real Estate Minnesota. Continuing Education DEMAND MORE. NEW! Mandatory Course

Transcription

1 APRIL JUNE 2017 NEW! Mandatory Course 7/1/16 6/30/17 SALESPERSON & BROKER REQUIRED MODULE: See page 5 for details 2017 Minnesota Real Estate Continuing Education DEMAND MORE from your CE than just credit hours Explore Timely Topics > Become a Better Agent > Grow Your Business

2 No two students schedules are exactly alike. That s why we offer you three distinctly different educational delivery vehicles to help you complete your continuing education requirements. Each has unique advantages designed with the highest level of convenience and success in mind. 3 WAYS to complete your education! Our comprehensive study solutions: Provide the skills you need to help your clients and excel in your career Contain the most current and accurate information available Satisfy Minnesota Department of Commerce requirements 5 Courses 5 14 NEW! 7/1/16 6/30/17 SALESPERSON & BROKER REQUIRED MODULE: Hot Topics Series 6 10 NEW! Millennials: Challenging the Traditional 6 Real Estate Model NEW! The Weird, Wild, and Wonderful World 6 of Real Estate 7 NEW! Agent Beware 7 NEW! Financing Update: What You Need to Know 7 NEW! 2017 Tax Update 8 NEW! Understanding Association Ownership 8 The Twenty Most Cost-Effective Home Improvements 8 The Tiny House: Is it a Phase or Craze? 8 All Under One Roof 9 Code Red Alert What s New and Necessary for You to Know 9 ipad - The Hottest Little Helper in the Business 9 Unsellable to Sold: Can Every House be a Dream Home? 9 Mediate-Arbitrate-Litigate: An Informed Decision 10 Good, Better, Best: When Quality, Price and Value All Matter Investment and Taxation Series Introduction to Real Estate Investments 10 Investing in Real Estate Using Self-Directed Retirement Accounts 11 Real Estate: How to Leave A Legacy 11 How Land is Developed Today 11 CSI Minnesota: Credit Score Investigation 11 Tax Aspects of Homeownership 12 The Tax Impact of Residential Real Estate Investments 12 Tax Write-Offs for the Self-Employed The Professional Agent Series To Fall and Rise Again: Life After Financial Crisis 12 Buying Within Your Budget 13 Strategic Default and the Path Back 13 Death, Divorce, and Disaster: 3D Real Estate The Security Series A Day in the Life of an Identity Thief 13 Identity Theft: Protecting Your Clients and Your Business 14 The Secure Property 14 Managing Safe and Sound Rental Property Broker s Courses Hour Minnesota Pre-License Broker Course 2017 Spring Tour 15 OnDemand Courses NEW! 7/1/16 6/30/17 SALESPERSON & BROKER REQUIRED MODULE: 16 NEW! Guiding Customer Energy Decisions 16 Appraisal Inspection: It s Black and White and Shades of Gray 16 Judge and Jury: What Would You Do? 17 Making Adjustments in an Appreciating Market: 12 Proven Strategies 17 Profile of a Super Agent Real Estate Accelerator 19 Education Planner VIEW ALL COURSE LISTINGS with full course descriptions ON OUR WEBSITE! If you work best with set class times and enjoy lively discussions with instructors and classmates, this option is for you. Learn from stateapproved instructors at one of our convenient classroom locations: St. Paul (SP) Atrium Office Building East Entrance 1295 Bandana Blvd. North, Suite 245 St. Paul, MN Anytime, Anywhere Convenient online learning anywhere you have access to the Internet.* Bloomington (BL) BLN Office Park 2051 Killebrew Drive, Suite 110 Bloomington, MN Our stunning OnDemand video lecture format allows you to access professional instruction anytime and anywhere you have an Internet connection. Filled with studio and onsite video learning, OnDemand courses engage, enlighten, and entertain! Your Own Schedule Start, stop, pause, and rewind each video lesson or segment as often as you like. Text-Based Online Interactive Learning Join our real estate experts in our state-of-the-art studio from your own home! * For additional information on supported devices please visit Comprehensive text-based (non-video) online instruction available anytime, anywhere you have access to the Internet. Courses include 100% clock-time gated course progression delivery. See for online course offerings. Enroll Today

3 Required Module SAVE Build-Your-Own CE Packages Option 1 $149 OnDemand Online Purchase 15 credit hours and receive the CE-Advantage Package discount. 24% discount for education Option 2 $99 OnDemand Online Call now and reserve your courses! These specials may only be requested when you call to place your order. Minnesota 15-Hour Complete OnDemand CE Package $99 15 Credit Hours OnDemand Complete 15 hours of CE, including the required module, in one convenient package. It provides everything you need to maintain your real estate license in Minnesota. You ll complete the state required hours of approved education with our industry-leading OnDemand video content. Don t wait to enroll this package is loaded with timely market-sensitive content and strategies to keep you up-to-date and ready for business. NEW! 7/1/16 6/30/17 SALESPERSON & BROKER REQUIRED MODULE: In this year s required course, you will examine contracts and forms essential to Minnesota real estate transactions. Your instructor, an industry expert, will emphasize the contract issues that arise so agents and brokers alike will be better equipped to serve both buyers and sellers, while learning the essential elements that are legally required in today s real estate contracts. You will review various contracts, addendums, agreements, and forms specifically focused on illuminating the issues that create problems in real estate transactions. You will also learn how to avoid contractual perils and pitfalls that could otherwise consume time, energy, money, and increase risk. This course will prepare you to pass an exam, given in class, and provide you with the knowledge to navigate today s complex real estate transactions. Elements of a binding contract Representation contracts and facilitator services agreements Disclosure issues Purchase agreement Counteroffer addendum Financing addenda Seller contributions Condominium townhouse CIC addendum Contingency addendum sale of buyer s property Inspection contingency As-Is addendum Cancellation of a purchase agreement One time showing contract NOTE: This module also satisfies the 1-hour Broker module requirement. This is the required module effective July 1, 2016, through June 30, Commissioner of Commerce for 3.75 hours of real estate Date Day Time Location Apr 3 Mon 1:15 pm 5:00 pm SP Apr 6 Thu Apr 12 Wed 1:15 pm 5:00 pm BL Apr 17 Mon Apr 19 Wed 6:15 pm 10:00 pm SP Apr 19 Wed 8:30 am 12:15 pm Duluth Apr 22 Sat 8:30 am 12:15 pm SP Apr 25 Tue 1:15 pm 5:00 pm SP Apr 28 Fri 8:30 am 12:15 pm SP May 1 Mon 8:30 am 12:15 pm SP May 3 Wed 8:30 am 12:15 pm Rochester May 5 Fri 1:15 pm 5:00 pm SP May 8 Mon 1:15 pm 5:00 pm BL May 10 Wed 8:30 am 12:15 pm HINCKLEY May 11 Thu May 13 Sat May 15 Mon 1:15 pm 5:00 pm BL May 17 Wed 8:30 am 12:15 pm St. Cloud May 18 Thu May 23 Tue 1:15 pm 5:00 pm BL May 31 Wed Jun 5 Mon 1:15 pm 5:00 pm BL Jun 10 Sat 1:15 pm 5:00 pm SP Jun 13 Tue 6:15 pm 10:00 pm SP Jun 14 Wed Jun 19 Mon 1:15 pm 5:00 pm SP Jun 29 Thu 8:30 am 12:15 pm SP Courses Include: 7/1/16 6/30/17 SALESPERSON & BROKER REQUIRED MODULE: 3.75 Credit Hours NOTE: This module also satisfies the 1-hour Broker module requirement. This is the required module effective July 1, 2016, through June 30, This course has been approved by the Minnesota Commissioner of Commerce for 3.75 hours of real estate Good, Better, Best: When Price, Quality, and Value All Matter 7.5 Credit Hours This course has been submitted to the Minnesota Department of Commerce. Its current status is approval pending. This course has been approved by the Minnesota Department of Labor and Industry for 7.5 hours for contractor The Tiny House: Is it a Phase or Craze? 3.75 Credit Hours This course has been submitted to the Minnesota Department of Commerce. Its current status is approval pending. The easiest and fastest way to receive your CE credits. The staff is very knowledgeable and actually care about your learning experience. John D. 4 Enroll Today

4 Hot Topic Series NEW! Millennials: Challenging the Traditional Real Estate Model This course examines the factors driving today s real estate market, beyond the newspaper headlines. Facts, trends, and hard data illustrate how the foremost factors for Baby Boomers no longer apply. You will learn how Millennials, today s largest real estate client group, prefer to buy, sell, rent, strategize, and communicate with you. After this course, you will have a better understanding of how to represent these clients. This course will challenge your approach to working with today s buyers and sellers, and educate you about their specific preferences, including how builders and the real estate industry are responding to Millennials. Essential client expectations and patterns are explored, so you can re-tool your skill set of knowledge and practices, as well as reposition your branding and image to reflect an understanding of the new model. This course prepares you to work effectively and productively with Millennials, resulting in helping them achieve their real estate goals. Join us for this compelling look into the future of real estate. Traditional versus Millennial real estate model Defining the market Wants, needs, and deal breakers The affected real estate market and model Effective strategies for working with Millennials Apr 18 Tue 6:15 pm 10:00 pm SP Apr 19 Wed 1:15 pm 5:00 pm Duluth Apr 28 Fri 1:15 pm 5:00 pm SP May 3 Wed 1:15 pm 5:00 pm Rochester May 10 Wed 1:15 pm 5:00 pm Hinckley May 11 Thu 1:15 pm 5:00 pm BL May 17 Wed 1:15 pm 5:00 pm St Cloud Jun 5 Mon NEW! The Weird, Wild, and Wonderful World of Real Estate Join us for a journey through some of the weird, wild, and wonderful real estate trends in the industry today. We will examine your clients interests reflected in emerging trends, including design and product selection. You will see some non-traditional shelters and learn about a variety of the unusual products used as building materials, including recycled and reused products, and the potential and surprising hazards associated with them. Next, you will take a walk on the wild side, exploring some new trends in living arrangements and how Mother Nature can affect real estate. This course teaches you how to recognize potential dangers, as well as what to do if a property has sustained damage from forces such as wind, water, and pest infestation. You will leave this class with an understanding of how weird and wild industry trends affect the real estate market and your clients preferences. Finally, you will learn about some wonderful new alternatives that will help you work with today s clients like never before! Weird shelters in the market today Unusual building products and potential hazards Unique recycled and reused products Wild factors affecting real estate Wonderful energy efficiency advancements Alternative energy sources Air and water quality to improve occupant s health Creative solutions to satisfy your clients requests and needs Apr 5 Wed 8:30 am 5:00 pm BL Apr 20 Thu 8:30 am 5:00 pm Duluth May 4 Thu 8:30 am 5:00 pm Rochester May 11 Thu 8:30 am 5:00 pm Hinckley May 18 Thu 8:30 am 5:00 pm St Cloud May 22 Mon 8:30 am 5:00 pm BL Jun 21 Wed 8:30 am 5:00 pm SP Commissioner of Commerce for 7.5 hours of appraisal Department of Labor and Industry for 7.5 hours for contractor continuing education. NEW! Agent Beware With a growing number of violent incidents across the country, this course prepares agents to be responsive in a variety of environments they encounter while working with buyers, sellers, and other real estate professionals. As an agent, you ll increase your awareness, identify warning signs, and prepare a plan in advance of facing a potentially dangerous situation, keeping you and your clients out of harm s way. In this course, agents learn how to recognize unsafe habits and routines, identify vulnerable situations, manage potential and real risks encountered, and appropriately and effectively communicate with clients to increase safety for all. Whether you and a client are entering a vacant home, preparing for an open house, or interfacing with other professionals such as contractors, home inspectors, or those posing as such, this course provides essential safety precautions, warning signs, and contingency plans for managing a risky or dangerous situation. You will learn valuable specifics that will help the buyer, the seller, and you navigate more safely through any situation. Corporate security and risk management executive, Carol Martinson, shares her vast experience, knowledge, and practical applications of simple and essential strategies to create and sustain an immediately safer environment for everyone involved. Debunking the myths Reading warning signs Keeping buyers and sellers alert and safe Meeting clients in routine and non-routine situations Open house strategies Agent tool kit and plan of action Apr 6 Thu 1:15 pm 5:00 pm BL Apr 22 Sat 1:15 pm 5:00 pm SP May 15 Mon Jun 29 Thu 1:15 pm 5:00 pm SP NEW! Financing Update: What You Need to Know Understanding today s mortgage and financing options is critical for real estate professionals. This course guides you through the complex choices in mortgage financing. Learn how to thrive in this business by understanding the current industry trends, laws, and requirements. This course will bring you up to date and give you the information your clients are requesting. Learn about new loan programs and mortgage regulations, including the TILA-RESPA Integrated Disclosure rule. Understand credit scoring, learn how PITI is determined, and get a handle on the steps you should take for a successful closing. This course covers it all and will prepare you for today s financing marketplace. FNMA HomeReady program Asset assist programs Consumer Financial Protection Bureau (CFPB) TILA-RESPA Integrated Disclosure rule (TRID) Steps for a successful closing Apr 3 Mon 8:30 am 12:15 pm SP May 5 Fri 8:30 am 12:15 pm SP May 31 Wed 1:15 pm 5:00 pm BL Jun 14 Wed 1:15 pm 5:00 pm BL NEW! 2017 Tax Update With new players in Washington, it will be more important than before to be up-to-date on what is changing and what is being proposed for business and personal taxes in Our 2017 Tax Update course is the place to learn how you and your clients will be affected. Those who attend this course will have access to one of the nation s leading tax experts, Chris Bird, and get the expert opinion on what to expect and what the implications will be. Be ahead of the crowd on strategies and get the best out of the new law. Apr 26 Wed 8:30 am 5:00 pm SP May 24 Wed 8:30 am 5:00 pm BL Jun 8 Thu 8:30 am 5:00 pm BL This course has been submitted to the Minnesota Department of Commerce. Its current status is approval pending. 6 Enroll Today

5 NEW! Understanding Association Ownership This half-day course describes various forms of CICs, including condominiums, townhomes, cooperatives, mixed use, and conversions. It identifies the characteristics of the leading buyers (both Millennials and Baby Boomers), as well as ways to assess the CIC s financial security. Including a sample balance sheet and budget, and a discussion of how the real estate market s unprecedented fluctuations affect associations, this course covers all the essentials, from financing to marketing to management. Common interest communities and how they operate Marketing in a CIC to get your client top dollar Is the association financially sound? What s important in a resale disclosure? May 2 Tue 1:15 pm 5:00 pm SP May 17 Wed 6:15 pm 10:00 pm BL May 30 Tue Jun 19 Mon 8:30 am 12:15 pm SP This course has been submitted to the Minnesota Department of Commerce. Its current status is approval pending. The Twenty Most Cost-Effective Home Improvements Homeowners are constantly asking, What home improvements should I do to add value to my house? In this information packed course, we will discuss what home improvements give the best immediate return on investment and which ones will add value over time. We will review energy efficient appliances, and calculate whether upgrading to higher efficiency makes sense. By understanding home inspection standards, you will learn the difference between a properly maintained property and one suffering from deferred maintenance, including what that can mean in value. Your instructor will use expertise and knowledge to educate you about the environmental issues that agents, contractors, and appraisers need to understand. Finally, you will learn how to inform your customers about these related concerns when recognized. Top 10 exterior home improvements Top 5 interior home improvements Top 5 energy conservation improvements Apr 12 Wed May 8 Mon May 16 Tue 6:15 pm 10:00 pm BL Jun 10 Sat 8:30 am 12:15 pm SP Commissioner of Commerce for 3.75 hours of appraisal Department of Labor and Industry for 3.75 hours for contractor continuing education. The Tiny House: Is it a Phase or Craze? Witness this emerging market segment as you learn about the new world of tiny house living. In this new course, you ll learn the origin of the tiny house, the different types, the structural elements, costs and considerations, valuation of property, and when a tiny house is considered real property. We ll also identify financing options specific to the tiny house and introduce you to tiny house communities developing across the country. The tiny house is a reflection of expressed values by a growing number of buyers today: simple living in natural surroundings and smaller moreefficient living spaces. Emerging values increase demand for tiny houses Real estate solutions addressing new needs of clients Momentum of demand Concerns and obstacles Valuation and financing the tiny house Explosive markets of tiny house communities across the U.S. Apr 17 Mon 1:15 pm 5:00 pm BL May 30 Tue 1:15 pm 5:00 pm BL Jun 12 Mon 6:15 pm 10:00 pm SP Jun 20 Tue 8:30 am 12:15 pm SP Commissioner of Commerce for 3.75 hours of appraisal Department of Labor and Industry for 3.75 hours for contractor continuing education. All Under One Roof Learn how successful agents and contractors meet the changing needs in today s market. This class will expand your vision of the new norms that are becoming widely visible and impacting the motivation of buyers and sellers, as well as the configuration of property in the real estate market. Demographics and the aging population Multigenerational homes Features of the 2020 Smart Home Adapting current homes to meet new needs May 12 Fri 8:30 am 5:00 pm BL Jun 2 Fri 8:30 am 5:00 pm BL Department of Labor and Industry for 7.5 hours for contractor continuing education. Code Red Alert What s New and Necessary for You to Know Code changes create significant responsibility and ultimately liability for you and your clients. This course will equip you with essential knowledge concerning both building and energy code changes and how they impact the cost and values of homes today. You ll learn proactive risk management strategies to communicate more effectively with clients buying, selling, or remodeling. Cost and value of code changes on newly constructed and remodeled structures Why building codes are established When and why building permits are required Who is responsible for work completed under a building permit Critical elements of a contract Energy code changes May 23 Tue Department of Labor and Industry for 3.75 hours for contractor continuing education. Also includes Energy Hour for licensed contractors. ipad The Hottest Little Helper in the Business Attention all real estate agents! For those who are interested in learning the essential uses of an ipad in today s technology-driven world, this class is for you! Learn how to facilitate more effective communication and a competitive edge for your clients. Learn how this tool can optimize your mobile capabilities and position you as a premier agent who embraces the newest technology to enhance each client s transaction. Optimizing your mobile capabilities Understanding app capabilities Using apps to facilitate business Expediting communication and transactions May 1 Mon 1:15 pm 5:00 pm SP Jun 16 Fri Department of Labor and Industry for 3.75 hours for contractor continuing education. Also includes Energy Hour for licensed contractors. Unsellable to Sold: Can Every House Be a Dream Home? This course will help you guide your clients through the process of seeing not only what a property is, but what it has the potential to become. You will start by helping your clients define exactly what they are seeking. You ll learn how to ask questions about both present needs and potential future requirements. You ll also learn about the shifting demographics of our maturing population and how to effectively communicate with multiple generations. Assess client s specific requirements Buyers/listers demographics Appraising and valuing improvements Financing improvements Listing unsellable inventory May 16 Tue 8:30 am 5:00 pm BL Jun 7 Wed 8:30 am 5:00 pm BL Department of Labor and Industry for 7.5 hours for contractor continuing education. Also includes Energy Hour for licensed contractors. Mediate-Arbitrate-Litigate: An Informed Decision Each of the three dispute resolution types are examined and explained in simple yet comprehensive terms to enable your understanding and increase your confidence in communicating the specifics clearly to your clients when they need it most. Learn the difference between binding and non-binding arbitration, the defining elements and consequences of both, as well as the potential for an arbitration appeal. Many situations and questions, such as Should a single arbitrator be selected or a panel? are considered for each of the dispute resolution options. You will also examine what your specific role is in each type of resolution, including what is NOT your role and when consulting an attorney is vital. You ll learn what happens when one dispute resolution method fails and what choices remain. Limit your chances of being sued, and prepare yourself for the real estate world of today. Mediation, arbitration, litigation Sellers Property Disclosure Statement Inspection Lawsuits Title insurance May 15 Mon 6:15 pm 10:00 pm BL Jun 15 Thu 8 Enroll Today

6 Good, Better, Best: When Quality, Price and Value All Matter Calling all real estate agents, contractors, builders, and appraisers... In this course, you will learn the universal language used by appraisers that contractors and real estate agents can translate to knowledge that pays when advising clients on everything from product selections to appropriate offers on property or identifying an appropriate listing price for selling a property. You ll acquire an insider s view of how value is defined and assigned by the appraiser. Learn what does and does not have monetary value in an appraiser s eyes with a snapshot of the essential tools and assessment methods used to establish the ultimate value of a property. Also, learn where value lies from a cost approach so you can help your clients identify poor quality in spite of acceptable appearance. Find out what the six surprising low-cost, high-value materials are, what type of siding lasts the longest, and which foundation type will save you the most money in the long run. Learn about the real differences in construction quality, what has monetary value and what has aesthetic value alone. The instructor translates otherwise confusing terms and definitions into useful information you can communicate with your clients. Whether your interest is in existing property, new construction or proposed renovations, you ll pick up essential information to increase your professional competence, evident in your next client conversation. Appraisal what they do and why it matters to you What the new quality numbers mean to your clients Differentiating characteristics Products and materials that create value Architectural styles and features Communicating quality distinctions to clients to improve knowledge and selection Apr 26 Wed 8:30 am 5:00 pm BL Jun 13 Tue 8:30 am 5:00 pm BL Commissioner of Commerce for 7.5 hours of appraisal Department of Labor and Industry for 7.5 hours for contractor continuing education. Investment and Taxation Series NEW! 2017 Tax Update See page 7 for course details. Introduction to Real Estate Investments Investors are discovering that tax, cash flow, principal reduction, and appreciation benefits of single- and multi-family properties outweigh other investment opportunities, including the wildly vacillating stock market. This course can open the door for you to the lucrative investment real estate market. If you are unfamiliar with selling residential real estate as an investment, you ll get a step-by-step understanding of the fundamentals you ll need to get started. You ll learn how real estate compares to non-real estate investments. You ll discover how to package hard-to-sell listings to your existing customer base. You ll learn to identify additional sources of financing, and you ll learn new techniques for using commission dollars to build your own investment portfolio. Estimating net operating income Cash flows and investor behavior Real estate and the IRS Acquisitions and operation Dispositions, capital gain and loss Apr 10 Mon 8:30 am 5:00 pm SP Jun 1 Thu 8:30 am 5:00 pm SP Investing in Real Estate Using Self-Directed Retirement Accounts Learn how this unique strategy can help you and your clients acquire tax deferred investment real estate, and put your investor in the driver s seat. With credit and real estate lending being more difficult to obtain in recent years, many savvy real estate investors have turned to utilizing a selfdirected retirement account to purchase additional investment real estate. This course highlights the different types of accounts, how to set-up an account, IRS rules, how title can be held, what type of client may be interested, and how marketing this to your clients could increase your value to them. Increasing investment options utilizing SDRA Proper investment tool selection How to set up an SDRA Retirement account eligibility IRS considerations Expanding the value you bring to your clients Real Estate: How to Leave A Legacy In this course, you will learn why so many families transfer not only wealth, but also history and meaningful connections to the next generation with the deed to real property. You ll learn how to create a legacy with real estate, some of the special and legal considerations you should know. Our industry expert will also share with you the current estate and gift tax exemptions and valuable annual gift tax exclusion information. You ll learn about the options for transferring real estate to the next generation, including the advantages and disadvantages of each. You ll also learn about advanced methods of transfer and the transfer on death deed (TODD). Why real estate is a good choice in legacy planning Legal concerns Transfer alternatives Co-tenancy agreements, limited liability companies, limited partnerships, and trusts Apr 11 Tue 1:15 pm 5:00 pm BL Jun 22 Thu How Land is Developed Today This course explains it all, including how the planned use of land has evolved over time and the course of action that a land developer must take today. You ll learn about the importance of a comp plan that each city develops, understand the types of zoning, and learn how to best approach the city planner and planning commission and ultimately secure the city council s approval. Our experienced instructor has decades of real life stories and implemented plans that will help illustrate the fascinating and complex land development process of today. More than ever before, land developers must be thoughtful and practical about the needs of the future users of their projects find out how this consideration can sink or swim a project. The history of the land development process The players and their roles The planning process Profitability and reasons for developing land Apr 24 Mon 1:15 pm 5:00 pm SP Jun 15 Thu 1:15 pm 5:00 pm BL CSI Minnesota: Credit Score Investigation Discover why some people recover quickly from major financial problems while others struggle to get back on their feet. You ll learn how a credit rating may be the single biggest factor in determining mortgage rates, insurance rates for home, car, and health policies, along with the rates paid on credit cards. Popular instructor and credit guru Todd Rooker will teach you how to help clients with damaged credit. You will learn trade-secret strategies that can influence and improve anyone s credit score. How credit scores affect everything Strategies for long-term credit repair How to recover from bankruptcy Apr 4 Tue 8:30 am 5:00 pm BL Jun 26 Mon 8:30 am 5:00 pm SP Tax Aspects of Homeownership Homeownership has long been described as living the dream, though the U.S. Census Bureau reports just under 65% of the population are fulfilling that specific dream. Over the past decade, and especially during the housing crisis of the mid-2000s, many people lost that dream. Given today s lower interest rates and more affordable home pricing in many markets, many of these people are reentering the marketplace in search of homeownership. Chris Bird will teach you how to become an indispensable resource for your clients by providing them with critical tax information to make the right housing purchase. The financial advantages of homeownership and deductible expenses Points paid when purchasing a residence Keeping track of basis and adjusted basis Exclusions of gain when sold Apr 27 Thu 8:30 am 12:15 pm SP May 25 Thu 1:15 pm 5:00 pm BL Jun 7 Wed Apr 13 Thu 1:15 pm 5:00 pm BL 10 Enroll Today

7 The Tax Impact of Residential Real Estate Investments In this course, Chris Bird will explore the widespread financial effect a purchase or sale of such properties will have on the investor. You will also learn the essential details that equip you to make financially savvy decisions and guide your clients in their investment endeavors. You ll get up to date on the specific tax rules that apply to these real estate transactions. You will also understand under what circumstances the Internal Revenue Service has been aggressively auditing owners of real estate investment properties, and how the IRS has been successful in denying deductions due to the two most common errors made by investors. Join us to gain relevant, indispensable knowledge regarding residential real estate investments today. Allowable rental expenses Cost recovery/depreciation Determining value of rental properties Determining the tax due on sale Passive loss rules Apr 27 Thu 1:15 pm 5:00 pm SP May 25 Thu Jun 7 Wed 1:15 pm 5:00 pm BL The Professional Agent Series To Fall and Rise Again: Life After Financial Crisis Turmoil in the financial markets and depressed real estate values has had a dramatic impact on everyone s financial picture. The result is that countless Minnesotans and their families are facing complex real estate and financial challenges. This one-day course, featuring popular instructor Todd Rooker, will give you tips to analyze and solve today s problems, while also building a strong financial future. Timing is everything when considering your options: bankruptcy, foreclosure, short sale, loan modification, debt settlement, and credit counseling. When it seems like there isn t enough money, learn about what options are still available and best fit your situation. Taking inventory of your finances What to do when there isn t enough money What can I keep and what must I give up Making the hard decisions Establishing critical timelines Building a comprehensive budget Contingency plans for the future Apr 27 Thu 8:30 am 5:00 pm BL May 30 Tue 8:30 am 5:00 pm BL Strategic Default and the Path Back Increasingly, agents are encountering individuals and families who are financially secure in most areas, but find themselves severely under water on their home. While there are many options available, many are considering strategic default. Todd Rooker will help you gain an understanding of the facts, process, and ramification of strategic default, as well as the effects of mortgage default on current and future credit and loan acquisition, retirement and other assets, and future insurability of a client. This course addresses the difficult decision to default, and provides the details and vital information to equip you to help your clients get on the path back to home ownership and credit viability. You will also gain an understanding of the steps to take in order to rebuild creditworthiness and help clients position themselves as attractive loan candidates after a default. Impact on retirement and other assets Impact on future insurability Impact on future loan acquisition Moral and ethical dilemma issues May 9 Tue 8:30 am 5:00 pm BL Jun 12 Mon 8:30 am 5:00 pm BL The Security Series A Day in the Life of an Identity Thief Learn how to prevent identify theft by thinking like a criminal. Whether it is your or your client s entrusted information, if it falls into the wrong person s hands, the damage to lives and reputations could be severe. Stefan Salmonson shares the methods thieves use to steal identities and how to use that knowledge to limit exposure. From the nuts and bolts of identity theft, to tips to avoid Internet scams and other ways to safeguard information, discover how a few simple steps can help you avoid being a victim. Learn from stories of real-life identity thieves and see how they acquired the potent information. You ll find out how it feels to have your identity stolen, and the repercussions it can have. This course will provide the tools that can significantly reduce the chances of becoming a victim while helping you protect your clients. May 3 Wed Jun 27 Tue 1:15 pm 5:00 pm SP Tax Write-Offs for the Self-Employed Get the latest facts from Chris Bird on tax write-offs available for the self-employed. Self-employed individuals are entitled to many tax deductions; stay abreast with the ever-changing federal and state tax codes. Our resident tax professional, Chris Bird, created this class to give the independent business owner an understanding of the effective tax write-offs they may be missing. Starting with the federal tax system, you ll review record keeping requirements and estimated tax requirements. Learn specific business deductions, including automobile use and expenses; travel, meals, and entertainment; home office expense; depreciation and first-year writeoffs. IRS audit priorities Auto, travel, meals, and other deductions Record keeping requirements Income and estimated tax payments Entity type and depreciation deductions Apr 25 Tue 8:30 am 5:00 pm SP May 26 Fri 8:30 am 5:00 pm BL Jun 6 Tue 8:30 am 5:00 pm BL Buying Within Your Budget Learn how to budget correctly and make sound purchasing decisions. Over half of all American households cannot sustain their monthly financial obligations without available credit to cover emergencies. The dramatic decline in real estate values, elimination of second mortgages and reduced access to available credit have positioned consumers where they have never been before. Learning how to budget is essential to getting out of debt and making the best decision when buying a home. Popular instructor Todd Rooker teaches methods to help you and your clients decrease debt, improve credit, and save more of your hard-earned money. The psychology of spending Budgeting with a purpose Decreasing your debt Credit card management Improving credit scores Apr 24 Mon 8:30 am 12:15 pm SP Jun 9 Fri 1:15 pm 5:00 pm BL Death, Divorce, and Disaster: 3D Real Estate Death, divorce, bankruptcy, and title issues common situations that exist in today s real estate world. Are these deal breakers or navigable obstacles? Learn how to avoid, assess, and solve the many problems and challenges you encounter every day. This course helps you prevent and resolve problems associated with titles, ownership, quit claim deeds, financial situations, and other common yet complicated issues that occur in residential sales. You ll discover the critical factors to keep your client on the road to successful close while managing potential obstacles through real life examples and case studies. A seasoned real estate veteran will lead you through the maze of situations that often impact today s real estate transactions and teach you how to limit liability, while protecting your client s interests. Probate: relationships and rights Divorcing buyer and seller cautions Bankruptcy red flags Title issue resolutions Seller s affidavit Apr 13 Thu May 13 Sat 1:15 pm 5:00 pm BL Identity Theft: Protecting Your Clients and Your Business The odds of experiencing business identity theft are ever increasing. The risks your business faces are bigger yet. From a criminal s perspective, it is significantly more cost-effective to steal business identities than individual identities. Learn how not to let your clients or your business fall victim! One step beyond A Day in the Life of An Identify Thief, learn how business ID theft spells potential disaster for your livelihood and your clients. Learn how to respond if your clients information or yours is compromised. Plus, learn how to spot and address the warning signs. True stories reveal the methods thieves use and what red flags suggest. Learn how to protect your business from a potential data-breach disaster. There s never been more opportunity for identity thieves to strike your business. You ll get the tools and information you need to diminish the havoc of business ID theft. Apr 20 Thu Jun 2 Fri 1:15 pm 5:00 pm SP 12 Enroll Today

8 2017 Spring Tour The Secure Property Learn new security tools and techniques to increase property values and insurability for homes or commercial property. Stefan Salmonson will guide you through advances in technology that make sophisticated security tools and strategies once deployed only in large companies within the reach of nearly every home or business. Get first-hand knowledge of security components for both residential and commercial buildings. Electronic locking systems, for example, can replace the traditional deadbolt and key. Learn about the next generation of cameras, hard drives, and remote monitoring devices that can provide multiple levels of affordable security, enhance property values, optimize value-added features of homes for resale, provide insurability, and reduce insurance premiums. Structural features and design Lighting and alarms Computer integration Special needs occupants May 3 Wed 1:15 pm 5:00 pm BL Jun 27 Tue 8:30 am 12:15 pm SP Commissioner of Commerce for 3.75 hours of real estate Managing Safe and Sound Rental Property Learn how to protect yourself, your tenants, and the property. Increasingly, agents find the responsibilities of property management thrust upon them. As accidental landlords, they may lack the knowledge, tools, and resources to safeguard the property, the owner s investment, the tenants, and themselves. You ll learn how to request quality background checks and minimize risk via the rental agreement. The course reviews prickly issues related to property access by the owner/manager. Learn to recognize possible illegal activity. While many landlords address the property s security concerns, they may overlook their personal safety. A few simple precautions will help ensure you don t get caught off guard. Fast-paced and compelling, this course will provide you with the tools necessary to protect the property, tenants, and yourself. Rental agreements and background checks Recognizing the red flags Monitoring the property Access rights Risk management tools Apr 20 Thu 1:15 pm 5:00 pm BL Jun 2 Fri 8:30 am 12:15 pm SP Commissioner of Commerce for 3.75 hours of real estate Broker s Course 30-Hour Minnesota Pre-License Broker Course 30 Credit Hours $295 This course must be completed prior to applying for the broker s license. You ll get information to help you pass the exam and operate safely as a good broker. The Minnesota Department of Commerce issues licenses to real estate brokers in Minnesota. In order to obtain the license, applicants must meet minimum experience and education requirements and pass the Minnesota Combined General and State Examination. Experience Requirement Each applicant must have a minimum of three years of actual experience, within the past five years, as a licensed real estate salesperson. Education Requirement Each applicant must be current with his or her continuing education requirement. In addition, applicants must apply for and obtain a broker s license within 12 months of completing this course. Examination Requirement Each applicant must pass the Minnesota Combined General and State Exam. PSI administers the licensing exam in multiple locations and requires advance payment. The exam fee is $75. There are two ways to register for the exam: Online Go to and charge with your VISA or MasterCard. Phone Call , 24 hours a day, and register using the Automated Registration System. About the Broker s Course The Broker s Course is designed to teach the information you need to pass the broker s exam and also to give you important information about how to be a good broker. We take an in-depth look at all of the Minnesota real estate laws and regulations. Learn critical information to keep you legal, like how to set up a trust account and how to follow the agency disclosure requirements. Apr Mon Thu 8:30 am 5:00 pm BL May Mon Thu 8:30 am 5:00 pm SP Jun Mon Thu 8:30 am 5:00 pm BL Includes mandatory agency and fair housing education. Commissioner of Commerce for 30 hours of real estate Get 15 hours of Minnesota Real Estate Continuing Education in just 2 days! The 2017 Real Estate Spring Tour is an easy and economical way to complete your continuing education requirement, network with colleagues, and get updated on essential industry knowledge. Day 1, AND hot-topics 3.75-hour elective course, Millennials: Challenging the Traditional Real Estate Model. Day 2 The Weird, Wild, and Wonderful World of Real Estate. This 7.5-hour elective course will inform and enlighten you of trends and opportunities in today s real estate environment Spring Tour coming to a location near you! Join us for BOTH days and get 15 credits for ONLY $135. That s over a 30% savings on individual class pricing. DAY 1 Commissioner of Commerce for 3.75 hours of real estate AND Millennials: Challenging the Traditional Real Estate Model Commissioner of Commerce for 3.75 hours of real estate DAY 2 The Weird, Wild, and Wonderful World of Real Estate Commissioner of Commerce for 7.5 hours of real estate See pages 5 6 for complete course descriptions. Dates & Locations April Duluth The Inn on Lake Superior May 3 4 Rochester Kahler Apache Hotel May Hinckley Grand Casino May St. Cloud Best Western Plus Kelly Inn See for more live courses & dates! Go to for details. 14 Enroll Today

9 OnDemand Courses OnDemand Courses NEW! 7/1/16 6/30/17 SALESPERSON & BROKER REQUIRED MODULE: 3.75 Credit Hours $29 In this year s required course, you will examine contracts and forms essential to Minnesota real estate transactions. Your instructor, an industry expert, will emphasize the contract issues that arise so agents and brokers alike will be better equipped to serve both buyers and sellers, while learning the essential elements that are legally required in today s real estate contracts. You will review various contracts, addendums, agreements, and forms specifically focused on illuminating the issues that create problems in real estate transactions. You will also learn how to avoid contractual perils and pitfalls that could otherwise consume time, energy, money, and increase risk. This course will prepare you to pass an exam, given in class, and provide you with the knowledge to navigate today s complex real estate transactions. NOTE: This module also satisfies the 1-hour Broker module requirement. This is the required module effective July 1, 2016, through June 30, NEW! Guiding Customer Energy Decisions (Includes Energy) 1 Credit Hour $19 There are many energy-based decisions you and your customer must consider when making renovations or building a new home. With the long list of choices to make, where do you start? This course will instruct you on how to prioritize and attack these questions. National and state energy codes will play a role in deciding energy-efficient features. This course will illustrate how to interpret these energy codes and show you how to apply them to building projects. During this hour, we will also go through real-world examples of energy decisions that have been made in the past. Commissioner of Commerce for 1 hour of real estate Department of Labor and Industry for 1 hour for contractor Appraisal Inspection: It s Black and White and Shades of Gray 7.5 Credit Hours $99 The appraiser s ability to gather facts essential to the property has a direct correlation to the integrity of valuation results. To complicate matters, appraisers, real estate agents, and clients all have misconceptions and false expectations of the appraiser s role and responsibilities during the appraisal inspection. This class sets the record straight and details the inspection from many points in the process, such as preparing for the inspection, neighborhood observations, expectations while at the property, comparable observations, and so much more. In this course, the instructor clearly articulates what an appraiser does and doesn t do during the inspection of a property when developing an appraisal. Together, the instructor and students will sort through how assignment conditions affect the appraiser s inspection. Through instructor-led discussions, case studies, videos, and pictures, the students will leave this course with a complete understanding of real estate appraisal inspections. Commissioner of Commerce for 7.5 hours of appraisal Judge and Jury: What Would You Do? 3.75 Credit Hours $54 Appraisers have recently taken a lot of heat for the downfall of the real estate market. Much of the blame is unfounded, but some complaints are valid and could have been avoided if only the appraiser had followed some very simple steps. This course will outline the most common complaints filed against appraisers and detail the very simple steps appraisers should follow to avoid finding themselves in hot water with state or other regulatory bodies. Students will learn how to avoid errors in the appraisal process and what supportive material must be retained in workfiles to be compliant for state or other investigations. Commissioner of Commerce for 3.75 hours of appraisal Making Adjustments in an Appreciating Market: 12 Proven Strategies 7.5 Credit Hours $99 The sales comparison approach to value is essential to the real estate appraisal process, yet it has often been a source of uncertainty for many appraisers. The adjustment calculation process leads many appraisers to just throw their hands up in frustration. Trying to prove, or even offer support for, an adjustment can be a daunting task. And for the readers of the report, it can be even more frustrating because there may not be enough information available to understand how the appraisers arrived at their adjustment conclusion. This course will unlock the mystery behind making adjustments and give you a fundamental understanding of how to make adjustments for the sales comparison approach to value. Commissioner of Commerce for 7.5 hours of appraisal Profile of a Super Agent 3.75 Credit Hours $29 Why are some agents closing six properties a month and others are staring at their computers? No matter how technologically advanced your real estate machine is, you better know how today s business is being done. Finding the client is only half the battle. Huge financial pressure on sellers and skittish buyers are today s norm. Learn how top producers feed their sellers the low-price pill, and the importance they put on properly preparing and marketing a home for a quick sale. Understand how critical it is to be able to guide clients through a short sale or foreclosure deal. In addition, you will learn how super agents get the best price possible for their buyers in every situation. Commissioner of Commerce for 3.75 hours of real estate SEE OUR WEBSITE FOR FULL COURSE DESCRIPTIONS AND MORE ONDEMAND COURSES Great way to learn about complex issues with maximum flexibility, while meeting my CE requirements. Cheryl A. Houses: Buy...Fix...Sell! Houses: From the Ground Up Houses: Why Bad Things Happen to Good Houses Buying Within your Budget All Under One Roof Introduction to Real Estate Investments And Many More 16 Enroll Today

10 REAL ESTATE NEW!Accelerator the Fast Track to Your Success! You ve built a solid foundation for your new career by successfully completing your comprehensive licensing education. Now, you re ready to move to the next phase of your professional development. How do you build on what you ve achieved? How do you start earning commissions as quickly as possible? Real Estate Accelerator has the answers. Brightwood College, powered by Kaplan Real Estate Education, provides the real estate profession with innovative education solutions. Our Internet-based Continuing Education courses are offered in high-quality OnDemand video format. With our OnDemand video lectures, you have the ability to access your course whenever it works for you. OnDemand courses are a great option! With a few clicks, our innovative OnDemand virtual classroom helps you complete your required education on your terms. Benefits: Field videos put lessons into real-life scenarios Start, stop, and pause as needed Interactive and engaging Convenient online delivery This two-day, intensive boot camp and 4-week continued coaching program is designed to teach you the specific activities an agent needs to perform on a daily, weekly, and monthly basis in order to operate a successful real estate business. This program will arm you with business building skills and critical operating activities utilized by the nation s most successful real estate agents. You will leave the program prepared to implement the following plans and tools immediately in your real estate practice: Develop a Business Plan. Develop a Marketing Plan. Develop an Economic Plan. Receive 4 weeks of continued coaching and accountability to ensure success. Identify and practice the most important sales activities you can do to be successful in real estate. Receive a 6-month CRM subscription to IXACT Contact, as well as the skill to build your database and launch activities. Receive 6 weeks of access to KnowledgeDNA Goal Tracker. NEW CLASSES ARE BEING RELEASED REGULARLY. Watch our website for details. Minnesota Real Estate Accelerator $399 DATE DAY TIME LOCATION May Thu Fri 8:00 am 5:30 pm 1295 Bandana Blvd. N St. Paul, MN Jul Thu Fri 8:00 am 5:30 pm 1295 Bandana Blvd. N St. Paul, MN Sep Wed Thu 8:00 am 5:30 pm 2051 Killebrew Drive, Suite 110 Bloomington, MN Enroll Today