Real Estate. Continuing Education. Minnesota. Spring/Summer Mandatory Courses

Transcription

1 CE-Advantage Packages Live Classroom CE Courses Brokers Course and OnDemand Video and Text-Based Online CE Courses Text-Based Online CE Courses and Live Class Calendar Minnesota Real Estate Continuing Education Spring/Summer Mandatory Courses Best selection of live classroom dates and times! Kaplan offers BOTH required modules via Live Class or OnDemand Video. See page 3 and 14 for details SAVE with our new Live Class and OnDemand/Online. See pages 4-5 for details.

2 CE Requirements for the June 30, 2015 Deadline We have the new required modules to keep your license active. For the CE cycle, you must complete two 3.75 credit hour required modules prior to the June 30, 2015 CE deadline. Kaplan offers two ways to complete your requirement: Live Classroom or OnDemand Video. Table of Contents 3 NEW! 7/1/14 6/30/15 Broker & Salesperson Required Module Minnesota Disclosure Laws (#1) 3 NEW! 7/1/14 6/30/15 Broker & Salesperson Required Module Financing Issues, Earnest Money, and Trust Accounts (#2) 4 5 Salesperson and Broker Complete HOT TOPICS SERIES 6 NEW! MN Real Estate Market Pulse 6 NEW! Mediate-Arbitrate-Litigate: An Informed Decision 6 All Under One Roof 7 NEW! Real Estate Hangover: 4 Steps to Recovery 7 NEW! Unsellable to Sold: Can Every House Be a Dream Home? 7 ipad The Hottest Little Helper in the Business INVESTMENT AND TAXATION SERIES` 8 NEW! 2015 Commercial Update: A State of the State 8 NEW! 2015 Tax Update 8 How Land is Developed Today 8 Investing in Real Estate with Self-Directed Retirement Accounts 9 NEW! Tax Aspects of Homeownership 9 NEW! The Tax Impact of Residential Real Estate Investments 9 NEW! Real Estate: How to Leave a Legacy 9 Tax Write-Offs for the Self-Employed THE PROFESSIONAL AGENT SERIES 10 CSI Minnesota: Credit Score Investigation 10 Death, Divorce, and Disaster: 3D Real Estate 10 Introduction to Business Brokerage 10 Buying Within Your Budget 10 Strategic Default and the Path Back THE SECURITY SERIES 11 NEW! Workplace Violence: Preparing for the Unthinkable 11 Identity Theft: Protecting your Clients and Your Business 11 A Day in the Life of an Identity Thief 11 The Secure Property BROKER S COURSE, ONDEMAND, ONLINE, AND MORE 12 Broker's Course For the CE cycle, Minnesota real estate salespersons and brokers are required to successfully complete two mandatory modules: Required Module Minnesota Disclosure Laws (#1) Required Module Financing Issues, Earnest Money, and Trust Accounts (#2) How This Affects You The mandatory modules are part of your 15-hour yearly CE requirement, NOT in addition to it. If you do not complete the courses before the June 30, 2015, deadline, your license will become inactive. Commercial only salespersons may apply for an exemption from the requirement at the Minnesota Department of Commerce. The Current Agency/ Fair Housing Requirement You are required to complete at least 1 hour of training on agency representation and disclosure plus 1 hour of training on fair housing issues once every 2-year licensing period. Your agency requirement was covered in the mandatory module. Education Deadline is June 30, 2015 Officially, the deadline for completing your annual continuing education requirement and reporting hours to your broker is June 30. DON T FORGET. If your license expires June 30, 2015, your deadline for making a timely renewal is June 15, NEW! 7/1/14 6/30/15 Broker & Salesperson Required Module Minnesota Disclosure Laws (#1) This is one of the two new required half-day modules, effective July 1, 2014, through June 30, This course provides indispensable information you need concerning disclosure requirements in today s highly litigious environment. In addition, it will prepare you to pass the 20-question exam to fulfill this new education requirement. All salespersons and brokers must complete the course before June 30, 2015, to maintain an active Minnesota real estate license. Today s real estate disclosure law has become increasingly comprehensive and complicated in the last few years. This course will provide you with in-depth details on numerous real estate licensee disclosure requirement issues. Our industry expert instructor will also inform licensees of proper disclosures required by sellers, including selling property as is and the liability sellers can incur for non-compliance Credits $49 Fri Apr 3 8:00 am 11:45 am PL Fri Apr 10 8:00 am 11:45 am BL Tue Apr 14 8:00 am 11:45 am SP Mon Apr 20 8:00 am 11:45 am SP Sat Apr 25 8:00 am 11:45 am BL Wed Apr 29 8:00 am 11:45 am BL Fri May 1 8:00 am 11:45 am PL Wed May 6 8:00 am 11:45 am BL Fri May 8 8:00 am 11:45 am SP Sat May 9 8:00 am 11:45 am SP Tue May 12 8:00 am 11:45 am SP Thu May 14 8:00 am 11:45 am SP Mon May 18 8:00 am 11:45 am BL Wed May 20 8:00 am 11:45 am BL Fri May 22 8:00 am 11:45 am SP Tue May 26 8:00 am 11:45 am SP Fri May 29 8:00 am 11:45 am BL Sat May 30 8:00 am 11:45 am BL Mon Jun 1 8:00 am 11:45 am SP Wed Jun 3 8:00 am 11:45 am BL Thu Jun 4 8:00 am 11:45 am SP Mon Jun 8 8:00 am 11:45 am BL NEW! 7/1/14 6/30/15 Broker & Salesperson Required Module Financing Issues, Earnest Money, and Trust Accounts (#2) This is one of the two new required half-day modules, effective July 1, 2014, through June 30, It provides essential information you need concerning trust account requirements and issues related to earnest money. In addition, it will prepare you to pass the 20-question exam to fulfill this new education requirement. All salespersons and brokers must complete the course before June 30, 2015, to maintain an active Minnesota real estate license. We will help you better understand financing issues, issues relating to earnest money, and trust account requirements. You will learn information regarding the Mortgage Act and Practices (MAP) rule, the Real Estate Settlement and Procedures Act (RESPA), and the Consumer Financial Protection Bureau (CFPB). Additional financing topics 3.75 Credits $49 Fri Apr 3 1:00 pm 4:45 pm PL Fri Apr 10 1:00 pm 4:45 pm BL Tue Apr 14 1:00 pm 4:45 pm SP Mon Apr 20 1:00 pm 4:45 pm SP Sat Apr 25 1:00 pm 4:45 pm BL Wed Apr 29 1:00 pm 4:45 pm BL Fri May 1 1:00 pm 4:45 pm PL Wed May 6 1:00 pm 4:45 pm BL Fri May 8 1:00 pm 4:45 pm SP Sat May 9 1:00 pm 4:45 pm SP Tue May 12 1:00 pm 4:45 pm SP Thu May 14 1:00 pm 4:45 pm SP Mon May 18 1:00 pm 4:45 pm BL Wed May 20 1:00 pm 4:45 pm BL Fri May 22 1:00 pm 4:45 pm SP Tue May 26 1:00 pm 4:45 pm SP Fri May 29 1:00 pm 4:45 pm BL Sat May 30 1:00 pm 4:45 pm BL Mon Jun 1 1:00 pm 4:45 pm SP Wed Jun 3 1:00 pm 4:45 pm BL Thu Jun 4 1:00 pm 4:45 pm SP Mon Jun 8 1:00 pm 4:45 pm BL 13 Registration and Spring Tour Package OnDemand and Online Courses Wed Jun 10 8:00 am 11:45 am SP Fri Jun 12 8:00 am 11:45 am BL Fri Jun 19 8:00 am 11:45 am BL Wed Jun 10 1:00 pm 4:45 pm SP Fri Jun 12 1:00 pm 4:45 pm BL Fri Jun 19 1:00 pm 4:45 pm BL Education Planner Wed Jun 24 8:00 am 11:45 am SP Mon Jun 29 8:00 am 11:45 am BL Wed Jun 24 1:00 pm 4:45 pm SP Mon Jun 29 1:00 pm 4:45 pm BL

3 Build-Your-Own CE Packages Pre-Built Packages 1. SAVE! Kaplan s Build-Your-Own CE Packages allow you to purchase 15 credit hours and receive the CE-Advantage Package discount. You pay only $149 (24% discount) for live classroom education and only $99 for OnDemand/Online courses. 2. You get an additional 1 hour of online Fair Housing FREE. 3. This special may only be requested when you call to place your order. Call now and reserve your courses! 4. The Required Module: Risk Management fulfilled your 1-hour Agency requirement. If you still need 1 hour of Fair Housing before your 2015 renewal, Kaplan CE packages include 1 hour of Fair Housing FREE. Option 1 Classroom/OnDemand/Online Up to 16 Credits $149 Chris Bird Tax Prep CE Package Up to 16 Credits $149 Package includes: The Tax Impact of Residential Real Estate Investments (3.75 Credits) Tax Aspects of Homeownership (3.75 Credits) Required Module Minnesota Disclosure Laws (#1) (3.75 Credits) Required Module Financing Issues, Earnest Money, and Trust Accounts (#2) (3.75 Credits) Plus, you get an additional 1 hour of online Fair Housing FREE! Live Classroom Packages Land & Legacy CE Package Up to 16 Credits $149 Package includes: How Land is Developed Today (3.75 Credits) Real Estate: How to Leave a Legacy (3.75 Credits) Required Module Minnesota Disclosure Laws (#1) (3.75 Credits) Required Module Financing Issues, Earnest Money, and Trust Accounts (#2) (3.75 Credits) Plus, you get an additional 1 hour of online Fair Housing FREE! Option 2 OnDemand/Online Up to 16 Credits $99 Please note, the Broker s Course on page 12 and Business Brokerage Training on the back cover do not qualify for CE-Advantage pricing. Call to order. I feel I can depend on Kaplan for all of my continuing education courses. James G. OnDemand Package Buy, Fix, Sell Package Up to 16 Credits $99 Package includes: Houses: Buy, Fix, Sell* (7.5 Credits) Required Module Minnesota Disclosure Laws (#1) (3.75 Credits) Required Module Financing Issues, Earnest Money, and Trust Accounts (#2) (3.75 Credits) Plus, you get an additional 1 hour of online Fair Housing FREE! Available Delivery Formats Live Classroom See pages 3, and 7-11 for descriptions OnDemand See pages for descriptions Online See pages for descriptions

4 Hot Topic Series Hot Topic Series NEW! MN Real Estate Market Pulse (Includes Fair Housing) Place your finger on the pulse of today s real estate market and learn why it is more important to your client than ever to comprehend the changing landscape. This course dives into revealing the key market factors and how they impact today s buyers and sellers. In this course, you ll explore current trends in buyer behavior and understand the actions required for today s sellers to make a property more marketable. Learn to recognize housing configurations to meet today s largest growing population the aging. Identify options, challenges and potential solutions to address multi-generational and multi-family homebuyer s needs in these emerging situations, plus smart-home electronic features that are of the greatest interest to your clients. Discover how eco-friendly cities are attracting a growing number of buyers, young and old alike, who are seeking the aesthetic and monetary benefits from these locales. * If you completed the 2014 MN Real Estate Market Pulse course, this course will not qualify for CE credit. Leading market indicators The emergence of multi-generation and multi-family homes Eco-friendly cities on the rise Management trends virtual risks and rewards Thu Apr 9 1:00 pm 4:45 pm BL Thu Apr 23 8:00 am 11:45 am BL Fri May 15 8:00 am 11:45 am SP Wed May 27 1:00 pm 4:45 pm SP Tue Jun 9 1:00 pm 4:45 pm SP Mon Jun 15 8:00 am 11:45 am BL All Under One Roof How do 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. You ll learn how the changing demographics and economics of recent years have influenced desirability for some types of homes over others. You ll also see what new types of properties are emerging to meet these multi-generational buyer challenges. This course will help you understand the changes and communicate with these buyers and sellers with specialized needs that few agents know how to adequately respond to. You ll also gain understanding of fair housing areas that warrant attention. NEW! 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. You may be surprised to learn where each of these resolutions takes place and how that can influence the accuracy and outcome of the decision. Real life situations illustrate each dispute resolution option to help you gain relevant and applicable knowledge to use in future situations, limit your chances of being sued, and prepare you for the real estate world of today. Mediation, arbitration, litigation Sellers Property Disclosure Statement Inspection Lawsuits Title insurance Thu Apr 9 8:00 am 11:45 am BL Mon Apr 27 8:00 am 11:45 am SP Wed May 20 6:15 pm 10:00 pm BL Wed May 27 8:00 am 11:45 am SP Wed Jun 17 1:00 pm 4:45 pm BL Mon Jun 22 8:00 am 11:45 am SP Demographics and the aging population Multigenerational homes Features of the 2020 Smart Home Adapting current homes to meet new needs This course has been approved by the Minnesota Department of Labor and Industry for 7.5 hours of Residential Contractor Continuing Education. Includes mandatory fair housing education for real estate licensees. Also includes Energy Hour for licensed contractors. Wed Apr 1 8:00 am 4:45 pm SP Fri Apr 24 8:00 am 4:45 pm SP Mon May 11 8:00 am 4:45 pm BL Fri Jun 12 8:00 am 4:45 pm SP Thu Jun 25 8:00 am 4:45 pm PL NEW! Real Estate Hangover: 4 Steps to Recovery The real estate recovery is in full swing, but that is not the case for thousands of would-be clients that are still devastated from the crash. In this course, Todd Rooker will introduce you to the steps required for the financially wounded to recover, in order to become viable homeowners again. Learn how to respond to a potential client when asked, When can I own a home again? Learn how short sales, foreclosures, liens, levies, garnishments, bankruptcies, or other financial proceedings can be effectively addressed in order to qualify for a home mortgage. Thousands of potential new homeowners are floundering without this critical information and unable to truly recover from their real estate hangover. Learn to communicate the process and identify ways of removing major road blocks that may be preventing buyers from qualifying for a mortgage. Discover the keys to securing your recovering client s next mortgage and how it all starts with a fundamental change in thinking and actions to prevent a relapse. From responsible budgeting and mortgage payment negotiations to clearing a pile of sticky little loose-end deal killers, this course prepares you to guide your recovering clients on their path back to homeownership. Finally, you ll understand how to help clients refocus on essentials that will aid in financial restructuring, rebuilding, and restoration on their way to attaining their real estate aspirations. Addressing outstanding mortgage debt Proper recording of debt satisfaction Rebuilding credit for future underwriting Setting goals to build net worth with real estate Relapse prevention *This course is also approved for Insurance Continuing Education. Thu May 28 1:00 pm 5:00 pm SP Fri Jun 26 8:00 am 12:00 pm PL NEW! Unsellable to Sold: Can Every House Be a Dream Home? Listing agents are you tired of trying to sell a property that only needs a little work or various upgrades or improvements to make it a winner? Buyer reps are you tired of showing multiple homes to a potential buyer where each home is great, except for one or two factors that eliminates the property and causes you to drive to an endless number of properties to find the perfect fit for your client? 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. Learn about the opportunities to modify a home to make it saleable by tweaks, modifications, or major remodels. You will learn about the costs associated with improvements and the return on investment (ROI) for a variety of house projects. Assess client s specific requirements Buyers/listers demographics and home ownership Appraising and valuing improvements Energy matters Financing improvements Risk management Listing unsellable inventory *This course has also been approved by the Minnesota Dept. of Labor and Industry for 7.5 hours of Residential Contractor Continuing Education. This does NOT include the 1-hour Contractor energy requirement. Wed Apr 15 8:00 am 4:45 pm BL Mon May 4 8:00 am 4:45 pm SP Thu May 28 8:00 am 4:45 pm BL Tue Jun 2 8:00 am 4:45 pm SP Tue Jun 23 8:00 am 4:45 pm SP 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 Thu Apr 23 1:00 pm 4:45 pm BL Understanding app capabilities Fri May 15 1:00 pm 4:45 pm SP Using apps to facilitate business Tue May 19 6:15 pm 10:00 pm BL Expediting communication and transactions Mon Jun 15 1:00 pm 4:45 pm BL

5 Investment and Taxation Series Investment and Taxation Series NEW! 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. The benefits of privacy and personalizing a property have always been a motivator for owning a home, as have tax considerations. 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 *This course is also approved for Insurance CE. Mon May 11 8:00 am 12:00 pm SP Wed Jun 10 1:00 pm 5:00 pm BL NEW! The Tax Impact of Residential Real Estate Investments Taxes are important to us all. This is particularly true for buyers and sellers of residential rental real estate. 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. What is considered rental income? Allowable rental expenses Cost recovery/depreciation Determining value of rental properties Determining the tax due on sale of rental properties Passive loss rules NEW! 2015 Tax Update Here s your chance to learn how the tax environment of 2015 and beyond will affect you and your clients. Your tax expert explains the big changes in simple terms in this annually updated course. You ll learn the specifics of what bills are new and what bills have been extended, modified, or omitted. Don t miss this opportunity to get the inside scoop and to learn how you and your business will be affected by what s new. Financial planning implications of recent changes to the tax code Tax-related ObamaCare issues The 15% tax rate conundrum Status of several significant tax write-offs Who really pays income taxes IRS news: Taxpayer advocate recommendations, offshore banking, and the Taxpayer Bill of Rights *This course is also approved for Insurance CE. Thu Apr 30 8:00 am 5:00 pm PL Wed May 13 8:00 am 5:00 pm SP Thu Jun 11 8:00 am 5:00 pm BL NEW! 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 Mon Apr 6 1:00 pm 4:45 pm SP Thu May 7 6:15 pm 10:00 pm SP Thu May 21 8:00 am 11:45 am BL Thu Jun 18 1:00 pm 4:45 pm BL NEW! 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. 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 Mon Apr 6 8:00 am 11:45 am SP Wed May 6 6:15 pm 10:00 pm SP Thu May 21 1:00 pm 4:45 pm BL Thu Jun 18 8:00 am 11:45 am BL * This course has been approved for Insurance Continuing Education. Mon May 11 1:00 pm 5:00 pm SP Wed Jun 10 8:00 am 12:00 pm BL NEW! 2015 Commercial Update: A State of the State Learn which commercial property segments are prospering in today s business climate, as well as the vacancy rates, rental rates, and financing available for each type, maximizing your knowledge. You ll examine the trajectory of real estate in the mid-2000s, when the abundance of cheap capital allowed buyers to bid up commercial real estate. Learn where the local market is positioned from a regional and national perspective, and how you can best take advantage of the financial and investment opportunities in local real estate ownership. You will be able to identify how interest rates and leverage, cash-on-cash return, and local Fortune 500 vitality impact the trends and climate of the commercial real estate market. Capital and its effect on value Rental rates and their stability factors Key financial indicators impact on the market Twin Cities commercial real estate pulse *This course has been submitted to the MN Dept. of Commerce and is pending approval for real estate continuing education. Thu May 7 8:00 am 11:45 am BL Thu Jun 4 8:00 am 11:45 am BL Mon Jun 22 1:00 pm 4:45 pm SP Investing in Real Estate with 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 self-directed 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. You would certainly benefit from this informative course if you are a real estate agent or real estate investor specializing in commercial real estate, investment real estate, 1031 exchanges, rental properties, and property management. Increasing investment options utilizing SDRA Maximizing benefits with proper investment tool selection. How to set up an SDRA Retirement account eligibility IRS considerations Expanding the value you bring to your clients Thu May 7 1:00 pm 4:45 pm BL Thu Jun 4 1:00 pm 4:45 pm BL 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 *This course is also approved for Insurance CE. Tue May 12 8:00 am 5:00 pm SP Tue Jun 9 8:00 am 5:00 pm BL

6 The Professional Agent Series The Security Series 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 *Also approved for Insurance Continuing Education. Wed Apr 8 8:00 am 5:00 pm SP Wed May 27 8:00 am 5:00 pm BL Introduction to Business Brokerage As baby-boomers across America are reaching retirement in record numbers, the number of small businesses sold annually is exploding, and so is the need for people to help them navigate through the potentially treacherous waters of selling a business. In one fast-paced day, you will be introduced to all the fundamentals, including reading financial statements, determining cash flow, business valuation, and deal structuring. Knowledge / skills you need to succeed Bringing value to the seller Packaging a business for sale Business valuation Negotiations and deal structuring Tue May 26 8:00 am 4:45 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. Todd Rooker will help attendees 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. Impact on retirement, future insurability, and future loan acquisition Moral and ethical dilemma issues *Also approved for Insurance Continuing Education. Tue Jun 16 8:00 am 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. Join us and learn how to avoid the potential disasters while you skillfully and effectively assist clients through roadblocks and difficulties and ensure the destination of CLOSE is reached. Probate: relationships and rights Divorcing buyer and seller cautions Bankruptcy red flags Title issue resolutions Seller s affidavit Wed Apr 27 1:00 pm 4:45 pm SP Wed Jun 17 8:00 am 11:45 am 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. Learn how to create a plan and follow through with it to achieve financial freedom. The psychology of spending Budgeting with a purpose Decreasing your debt Credit card management Improving credit scores *Also approved for Insurance Continuing Education. Thu Apr 16 1:00 pm 5:00 pm BL Mon Jun 8 8:00 am 12:00 pm SP NEW! Workplace Violence: Preparing for the Unthinkable Even though active shooter situations gain most of the attention, violence at the workplace is not limited to homicide. It also involves threats, intimidation, harassment, and assault. Protection Specialist Stefan Salmonson will discuss at length steps to survive all types of workplace violence, including the most horrendous events. Very few of us know effective methods to identify and minimize workplace violence risks. Our expert will discuss these risks which are a major concern for employers, liability insurers, workers compensation insurers, and employees. Attendees will learn the magnitude of workplace violence and will become aware of factors that often foster violence, including a hostile workplace, substance abuse by coworkers, and more. *Also approved for Insurance CE. Mon May 4 1:00 pm 5:00 pm BL Fri Jun 5 8:00 am 12:00 pm SP 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. Tactics to avoid identity theft What to do when identity theft occurs Social networking dangers When NOT to use a debit card *Also approved for Insurance Continuing Education. Fri May 1 8:00 am 12:00 pm SP 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. How business information is hijacked Red flags and appropriate actions How easy it is to get and misuse your business information Data breach prevention * Also approved for Insurance Continuing Education. Mon May 4 8:00 am 12:00 pm BL Fri Jun 5 1:00 pm 5:00 pm SP 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 * Also approved for Insurance Continuing Education. Fri May 1 1:00 pm 5:00 pm SP

7 Broker s Course 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. Broker s Course About the Examination The exam is multiple-choice and is divided into two separate portions: General portion and State-Specific. A score of 75 percent or better is required on each portion in order to pass. 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. Credits: 30 Includes mandatory agency and fair housing education. This course is also approved for 30 hours of continuing education which may be used to renew an existing Salesperson or Broker license. Tuition: $295 Includes Broker Principals of Minnesota Real Estate textbook. Apr Mon Thu 8:30 am 5:00 pm PL May Mon Thu 8:30 am 5:00 pm SP Jun Mon Thu 8:30 am 5:00 pm BL 2015 SPRING TOUR Complete Package Dates and Locations April St. Cloud River s Edge Convention Center April Duluth The Inn on Lake Superior May 7 8 Rochester The Kahler Apache Hotel The 2015 Kaplan Real Estate Spring Tour is the easy and economical way to complete your continuing education requirement for both Brokers and Salespersons. Network with colleagues and get the best in industry knowledge with our expert instructors. Day 1 Day 2 * Join us for BOTH days & get 15 credits for only $149. That s a savings of 24% off the single-day price of $98 each. Mandatory Modules NEW! 7/1/14 6/30/15 Broker & Salesperson Required Module 8:00 am 11:45 am 3.75 Credit Hours Tuition $49* NEW! 7/1/14 6/30/15 Broker & Salesperson Required Module 1:00 pm 4:45 pm 3.75 Credit Hours Tuition $49* Elective Courses Real Estate Hangover: 4 Steps to Recovery 8:00 am 12:00 pm 3.75 Credit Hours Tuition $49* The real estate recovery is in full swing, but that is not the case for thousands of would-be clients who are still devastated from the crash. Join Todd Rooker as he walks you through the steps required for the financially wounded to recover and become viable home owners again, as well as how you can help them. Buying Within Your Budget 1:00 pm 5:00 pm 3.75 Credit Hours Tuition $49* The numbers are startling: 43% of American households spend more than they earn each year. Learning how to budget is essential to getting out of debt and making the best decisions when buying a home. Instructor Todd Rooker will teach various methods to help you and your clients decrease debt, improve credit, and save more hard-earned money

8 Text-Based Online Courses OnDemand Video Courses Complete Your Continuing Education with Kaplan s Text-Based Online Courses Kaplan is known for providing the real estate profession with innovative education solutions. Our Internet-based Continuing Education courses are now offered in two formats: high-quality OnDemand video, and our traditional online click-through, text-based format. The decision is yours! Select the course and delivery format that best fits your needs and learning style. MOST POPULAR OnDemand Video Our most popular option! With a few clicks of the mouse, Kaplan s 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 Text-Based Online Comprehensive text-based (non-video) online instruction available anytime, anywhere you have access to the Internet. This is a great fit for student who prefer to read and learn at their own pace. Benefits: Simple click-through navigation Move through the material at your own pace Convenient online delivery SAVE with our. Complete OnDemand/Online packages only $99. See pages 4-5 for details. NEW! 7/1/14 6/30/15 Broker & Salesperson Required Module Minnesota Disclosure Laws (#1) This is one of the two new required half-day modules, effective July 1, 2014, through June 30, It provides indispensable information you need concerning disclosure requirements in today s highly litigious environment. In addition, it will prepare you to pass the 20-question exam to fulfill this new education requirement. All salespersons and brokers must complete the course before June 30, 2015, to maintain an active Minnesota real estate license. Today s real estate disclosure law has become increasingly comprehensive and complicated in the last few years. This course will provide you with in-depth details on numerous real estate licensee disclosure requirement issues. Our industry expert instructor will also inform licensees of proper disclosures required by sellers, including selling property as is and the liability sellers can incur for non-compliance. NEW! Real Estate Math Does real estate math make you anxious and uneasy? Do you lack confidence in your numbers or need a refresher? Then this course is for you! You will review calculations to determine a commission under different circumstances. Additionally, you will understand how to determine the seller s net from sale and price based on a specified seller s net. You ll review the formulas necessary to establish the amount a property has appreciated or depreciated. Building on this calculation, you will then review how to ascertain the rate of return on a property and verify formulas necessary for property managers. Loan calculations will be reviewed, and you ll develop greater understanding of loan-to-value ratio and equity, discount points and origination fees, amortization and qualifying a buyer, area calculations, legal descriptions, and much more. This course offers valuable information for novices as well as seasoned agents. Enroll today! NEW! 7/1/14 6/30/15 Broker & Salesperson Required Module Financing Issues, Earnest Money, and Trust Accounts (#2) This is one of the two new required half-day modules, effective July 1, 2014, through June 30, It provides essential information you need concerning trust account requirements and issues related to earnest money. In addition, it will prepare you to pass the 20-question exam to fulfill this new education requirement. All salespersons and brokers must complete the course before June 30, 2015, to maintain an active Minnesota real estate license. We will help you better understand financing issues, issues relating to earnest money, and trust account requirements. You will learn information regarding the Mortgage Act and Practices (MAP) rule, the Real Estate Settlement and Procedures Act (RESPA), and the Consumer Financial Protection Bureau (CFPB). Additional financing topics include contract for deed sales and new FHA loan limitations. 2014/2015 Minnesota Real Estate Market Pulse Place your finger on the pulse of today s real estate market and learn why it is more important to your client than ever to comprehend the changing landscape. This course dives into revealing the key market factors and how they impact today s buyers and sellers. In this course, you ll explore current trends in buyer behavior and understand the actions required for today s sellers to make a property more marketable. Learn to recognize housing configurations to meet today s largest growing population the aging. Identify options, challenges and potential solutions to address multi-generational and multi-family homebuyer s needs in these emerging situations, plus smart-home electronic features that are of the greatest interest to your clients. Discover how eco-friendly cities are attracting a growing number of buyers, young and old alike, who are seeking the aesthetic and monetary benefits from these locales. Learn how the minority becomes the majority in less than one generation and how a growing population may ultimately save our industry because of a single strong belief home ownership. In addition you will learn the rewards, challenges, and risk management practices required to protect and serve clients in today s latest management trend virtual brokerages. Fun, fast paced, and packed with the most important information affecting real estate today, this course delivers!

9 OnDemand Video Courses OnDemand Video Courses Houses: Why Bad Things Happen to Good Houses Kaplan will take you on a building physics adventure explaining in easy to understand terms how houses work and more importantly why perfectly good houses sometimes go bad. You will learn the critical role new construction materials play in reduced building tolerances and why that creates huge problems. Find out, for example, what types of insulation materials are effective and what are not. Older homes will be explored as well. You ll learn the many advantages and pitfalls of replacement windows and new energy efficient siding products along with air quality and cleansing technologies. Helpful tips will enable you to communicate more intelligently and effectively with increasingly sophisticated homeowners. No more dealing with individualized parts of the house, this class provides the whole picture. Taught by a respected instructor through OnDemand video lectures, this is a class not to be overlooked. Get the answers to help your clients make decisions and the information to help you compete in the current market. Houses: Buy Fix SELL! Some houses are lumps of coal and others are diamonds in the rough. Can you tell the difference? Learn how to evaluate renovation options to determine if a house will be a money maker or a money taker. Learn the process of buying a distressed property, fixing it up, and selling it for profit. You ll first look at ways to structure the acquisition. Next, you ll determine how to analyze the property s needs and costs. Comparing the costs and returns from renovating bedrooms to baths to kitchens and more will help you put your money in the right place. Also learn how to put together pricing models, accurate construction timelines, and a profitable exit strategy. With a solid plan in place, you ll lessen your risks and realize a greater profit by avoiding coal and discovering diamonds in the rough. Houses: From the Ground Up There are many challenges to helping others find suitable housing. One of the biggest is to effectively answer simple questions about housing structure and condition. That s why we ve put together this special OnDemand video course. In it, you ll learn the language of houses and how they are built plain and simple. Our dynamic instructors take you from the classroom right into the structural workings of a house. This highly visual instruction helps you gain the answers to the questions about the product you sell. From the foundation to the rooftop you will explore everything in-between. You ve spent hours studying finance, negotiation, and law. Now is your chance to learn the basics about how your product is built from the ground up. How to Measure Real Property 2.75 Credits $19 Learn the language and techniques of how to accurately classify and measure residential property from a pro! Real estate licensees, appraisers, assessors, builders and contractors have specific methods used to measure and describe residential real property. In this engaging course, we ll clarify the standards and pinpoint common mistakes made in measuring property. You ll also learn the proper terminology and definitions that even the playing field between agents, appraisers and lenders who use this value-laden information for many of the decisions made concerning a property. Learn to talk the same talk while more accurately representing the home, as well as enhancing the value you bring to your client with this knowledge. It begins with the proper way to measure a house where to start and what to include. You will learn the distinctions between above-grade and below-grade floor areas and other often misunderstood and miscalculated areas. The challenges of calculating attics, lofts and low ceilings will be addressed. You ll also learn how to deal with detached rooms, sunrooms, and other hard to classify and measure rooms. The course will also explain the industry standards for qualifying room counts, bedrooms and bathrooms. Come learn what you need to know to ensure you capture every square foot that translates to value for your clients and protects the biggest investment of their life! Profile of a Super Agent This is one of the two new required half-day 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. Big hitters will tell you their bona fide leads are not coming from the Internet or some corporate marketing strategy. You ll learn how to create a continuous flow of new clients. Discover how savvy agents are tapping into past clients, family, and friends and getting involved in community organizations to make their business thrive. 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 Buying Within Your Budget This course is delivered in our stunning OnDemand video lecture format. With Kaplan s OnDemand video lectures, you have the ability to access professional instruction anytime and anywhere you have an Internet connection! Filled with studio and onsite video learning objectives, this OnDemand course engages, enlightens, and entertains! Over half of all American households cannot sustain their monthly financial obligations without available credit to cover emergencies. The dramatic decline of real estate values, the elimination of second mortgages, and reduced access to available credit of any kind have forced many consumers to a place they have never been. Big changes come from small steps. In this course, you ll learn how to create a plan and follow through with it to achieve financial freedom. Many people want to save more, but don t know where to start or lack restraint to stop spending. Just because your clients qualify for a certain loan amount doesn t mean they can afford it. Clients that understand how to budget correctly can make effective and smart decisions when making any purchase, including home buying. Learn how to live on what you earn to the penny! Generational Selling With a new birth occurring every eight seconds, America will expand to 400 million people within 40 years. Today, the average American moves every five years. To remain competitive, agents must be attuned to the rich diversity of our population. This is your chance to develop the understanding and insights to connect with individuals across a wide range of markets. You ll review the vast array of buyers and seller active in today s market as well as the future. This course focuses on helping you understand what is important to them, their resources, and how they make decisions. You ll look at the unique traits of four groups: Matures, Baby Boomers, Generation Xers, and Millennials. As over 23 percent of sales are to single women, you ll learn about the increasing importance niche markets hold within each generation and what they suggest for the future. This is a compelling course you won t want to miss. Identity Theft: Protecting Your Clients and Your Business 2.75 Credits $19 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! Learn how business ID theft spells potential disaster for your livelihood and your client s. Understand 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. OnDemand Video Course OnDemand Video Course

10 OnDemand Video Courses Text-Based Online Courses 7/1/13 6/30/14 Broker & Salesperson Required Module: Risk Management Our expert instructors will provide vital information to help you manage the most imperative risks that present themselves today. You ll become confident in managing complicated material fact disclosure situations. You will also understand what options your sellers have, that agents do not have, concerning this potentially high-risk territory. The course contains a composite review of vital purchase agreement terms and conditions, including the essential details of terminating key documents, such as listing agreements, buyer representation agreements, and more. We ll also examine cancellation methods that help reduce liability. This course will teach you how to avoid making costly mistakes that could affect both you and your client. Liability issues concerning disclosures Agency disclosure, options, and duties Data security and privacy Consequences of fraudulent and deceptive practices Introduction to Real Estate Investments Real estate is still one of the best investments available anywhere. Agents who understand the numbers are on their way to earning extra commissions. 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. 7/1/13 6/30/14 Broker Only Required Module: Broker Supervisory Obligations 1 Credit $19 With Kaplan s outstanding industry professionals as your instructors, you will acquire essential information and learn preventive measures to help reduce broker exposure to risk and liability. You will learn how to explore vital agreements and disclosures that protect your clients, assess the highest risk areas and adopt risk reduction measures, and ensure that legal and ethical standards are maintained by everyone in your organization. Monitoring documents prepared by salespersons Maintenance and review of trust account records Licensed and unlicensed activity Preventative measures to reduce liability Document retention and protecting sensitive information The Kaplan OnDemand video course was perfect for my busy schedule! Alison P. NEW! Virtual Brokerage: How to Do It Learn how real estate professionals in the virtual brokerage are armed to work for their clients using sophisticated technology, which enables lightningfast communication, immediate response to inquiries, electronic document expediting, and more! Learn what brokers need to know and what agents should understand about their duties and liabilities in a virtual brokerage environment. You will learn to identify the advantages and recognize the challenges, as well as what it takes to thrive in this setting. You ll discover what systems and technologies are necessary for a successful virtual brokerage operation. Also, you ll examine how an array of communication tools and resources facilitate effective communication and transactions, providing a seamless experience for the client. You ll recognize potential risks and identify solutions specific to virtual brokerages, while learning about appropriate broker management of salespeople, liabilities of overseeing conduct, and policy compliance to adhere to ethical and legal principles. Join us to learn about the critical factors of successful virtual brokerages and how your clients will benefit. Enroll today! NEW! Real Estate Market Pulse In this course, you will take a comprehensive look at the redefined American Dream of home ownership. Owning a home is still important to most people, but gone are the days of owning the largest home one can afford. Learn how the concept of right sizing is driving the market and what that means for sellers and buyers. Discover the laundry list of new factors clients use when determining value, including neighborhood amenities, economical transportation options, proximity to work, green assets, and more. The advent of social media as a marketing force in the real estate industry is undeniable, but are you using it legally and ethically? What are its pitfalls that can injure clients and agents alike? Are you complying with the Federal Fair Housing Act with all your posts, tweets, and updates? You will learn what is required to stay within the law and the nine traps licensees are most likely to fall into. Blending market knowledge with cutting-edge solutions, you ll be able to apply what you learn in this course to the compelling real estate questions and problems facing your buyers and sellers today. You ll obtain the know-how and inspiration to read the pulse of the industry. Packed with information, statistics, and practical suggestions, this course delivers. NEW! Selling HUD Homes: Increase Your Client s Options In this course, you will become familiar with unique terminology, the agencies involved, and who can and cannot purchase HUD homes. You ll learn the steps every agent must take to become qualified to sell HUD properties, including specific criteria, establishing a NAID, and obtaining proper certification. A clear path will be outlined that details each process, step, and detail to make representing a buyer a smooth and seamless experience. Learn about showing these properties, placing a bid, contracts, cancellations, and extensions. Additionally, the specific steps in the bidding process are discussed and explained in a clear and concise manner that demystifies the process. You ll also learn about the financing, required escrow, and rehab loan options, plus other special incentives available only to HUD home buyers. Finally, title and closing details will be outlined, including acceptable types of funds and how they must be wired at closing. You ll learn how to address the challenges like an expert and lead your client through the process easily and proficiently. Unravel the challenges of the inspection procedure, learn about what contingencies are allowed, and the use of specific HUD forms/ contracts. Finally, you will learn about special issues and provisions concerning lead based paint, vandalism, and avoiding appraisal issues. If you have wondered how to get in the game, step off the sidelines and join us for this comprehensive summary of everything you need to sell HUD homes. Fair Housing: Minnesota 1 Credit $19 Real estate agents must continuously deal with ever-increasing regulations. Although the Federal Fair Housing Act has been in force for over 40 years, the way it is applied to everyday real estate continues to evolve. This is your chance to get up-to-speed on fair housing requirements and ensure you are following the law