Real Estate Continuing

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1 Powered by SPRING SUMMER 2016 Minnesota Real Estate Continuing NEW! Mandatory Course Education 7/1/2015 6/30/16 Salesperson & Broker Required Module Fair Housing, Agency Law, & Legal Update See page 4 for details 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 1 Live Classroom If you work best with set class times and enjoy lively discussions with instructors and classmates, this option is for you. Learn from statecertified instructors at one of our Learning Centers: 2 OnDemand Video 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! St. Paul (SP) Atrium Office Building East Entrance 1295 Bandana Blvd. North, Suite 245 St. Paul, MN 3 Anytime, Anywhere Convenient online learning anywhere you have access to the Internet. 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! 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. Bloomington (BL) BLN Office Park 2051 Killebrew Drive, Suite 110 Bloomington, MN Ol I have benefited from your continuing education classes throughout my 14-year career as a REALTOR the material is clear and I always come away satisfied. David G. Powered by 2 3

3 Table of Contents NEW! 7/1/15 6/30/16 SALESPERSON & BROKER 4 REQUIRED MODULE Fair Housing, Agency Law, & Legal Update Salesperson and Broker Complete 5 CE-Advantage Packages Hot Topics Series 6 NEW! The Tiny House: Is it a Phase or Craze? 6 NEW! Code Red Alert What's New and Necessary for You to Know 6 All Under One Roof 6 7 Real Estate Hangover: 4 Steps to Recovery 7 Unsellable to Sold: Can Every House be a Dream Home? 7 ipad The Hottest Little Helper in the Business Investment and Taxation Series 8 How Land is Developed Today 8 Investing in Real Estate with Self-Directed Retirement Accounts 8 Real Estate: How to Leave a Legacy 8 CSI Minnesota: Credit Score Investigation 9 NEW! 2016 Tax Update 9 Tax Write-Offs for the Self-Employed 9 The Tax Impact of Residential Real Estate Investments 9 Tax Aspects of Homeownership The Professional Agent Series 10 To Fall and Rise Again: Life After Financial Crisis 10 Introduction to Business Brokerage 10 Buying Within Your Budget 11 Residential Property Management: Part 1 11 Residential Property Management: Part 2 11 Strategic Default and the Path Back 11 Death, Divorce, and Disaster: 3D Real Estate The Security Series 12 Workplace Violence: Preparing for the Unthinkable 12 A Day in the Life of an Identity Thief 12 Live Classroom Identity Theft: Protecting Your Clients and Your Business 12 The Secure Property 12 Managing Safe and Sound Rental Property Broker's Course, OnDemand, Online, More 13 NEW! Dually Approved MN/WI CE 13 Broker's Course 14 Spring Tour Package OnDemand and Online Courses Education Planner Required Module NEW! 7/1/15 6/30/16 Salesperson & Broker Required Module Fair This is the required module, effective July 1, 2015, through June 30, It provides essential information concerning agency relationships and duties in Minnesota. It will prepare you to pass an exam, given in class. All salespersons and brokers must complete this course before June 30, 2016, to maintain an active Minnesota real estate license. This class fulfills the agency and fair housing requirements. It also satisfies the 1-hour broker module requirement. Agency relationship options Fiduciary duties to clients and customers Updated RESPA rules and how RESPA applies to marketing services agreements The new RESPA-TILA Integrated Disclosure form Uniform Condominium Act and the Minnesota Common Interest Ownership Act Fair housing Prohibited actions under fair housing laws Resources for working with first-time buyers and struggling homeowners Fri Apr 1 8:00 am 11:45 am BL Wed Apr 6 1:00 pm 4:45 pm BL Thu Apr 14 1:00 pm 4:45 pm BL Sat Apr 16 8:00 am 11:45 am SP Mon Apr 18 8:00 am 11:45 am SP Wed Apr 20 6:15 pm 10:00 pm SP Fri Apr 22 1:00 pm 4:45 pm BL Fri Apr 29 8:00 am 11:45 am BL Mon May 2 1:00 pm 4:45 pm SP Wed May 4 8:00 am 11:45 am Duluth Thu May 5 6:15 pm 10:00 pm BL Fri May 6 1:00 pm 4:45 pm BL Mon May 9 1:00 pm 4:45 pm SP Wed May 11 8:00 am 11:45 am BL Wed May 11 8:00 am 11:45 am Rochester Sat May 14 1:00 pm 4:45 pm BL Mon May 16 8:00 am 11:45 am BL Wed May 18 1:00 pm 4:45 pm SP Wed May 18 8:00 am 11:45 am St Cloud Fri May 20 8:00 am 11:45 am BL Mon May 23 8:00 am 11:45 am BL Wed May 25 8:00 am 11:45 am Hinckley Thu May 26 1:00 pm 4:45 pm BL Fri May 27 8:00 am 11:45 am SP Tue May 31 1:00 pm 4:45 pm BL Thu Jun 2 6:15 pm 10:00 pm BL Fri Jun 3 8:00 am 11:45 am SP Mon Jun 6 1:00 pm 4:45 pm SP Wed Jun 8 8:00 am 11:45 am SP Fri Jun 10 1:00 pm 4:45 pm BL Sat Jun 11 1:00 pm 4:45 pm SP Mon Jun 13 8:00 am 11:45 am SP Wed Jun 15 8:00 am 11:45 am BL Fri Jun 17 1:00 pm 4:45 pm BL Wed Jun 22 1:00 pm 4:45 pm SP Thu Jun 23 8:00 am 11:45 am BL Wed Jun 29 8:00 am 11:45 am SP Our Build-Your-Own CE Packages allow you to purchase 15 credit hours and receive the CE-Advantage Package discount. SAVE $149 (24% discount) for live classroom education $99 OnDemand/Online courses This special may only be requested when you call to place your order. Call now and reserve your courses! Option 1 Classroom OnDemand Online $149 Call to order. Option 2 OnDemand Online $99 Minnesota 15-Hour Complete CE Package OnDemand $99 15 Credit Hours Courses Include: 7/1/15 6/30/16 Salesperson & Broker Required Module Fair Houses: Buy, Fix, Sell! Buying Within Your Budget CE-Advantage Packages Build-Your-Own CE Packages Complete 15 hours of CE, including the required module, in one convenient package. This convenient continuing education package 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 stacked with timely market-sensitive content and strategies to keep you up-to-date and ready for business. 7.5 Credit Hours 3.75 Credit Hours 3.75 Credit Hours 4 5

4 Live Classroom Live Classroom NEW! The Tiny House: Is it a Phase or Craze? NEW! Code Red Alert: What is New and Necessary for You to Know Unsellable to Sold: Can Every House Be a Dream Home? Mediate-Arbitrate-Litigate: An Informed Decision 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 more-efficient living spaces. Emerging values increase demand for tiny houses Real estate solutions addressing new needs of clients Momentum of demand Concerns and obstacles What a tiny house is and is not Basic structural elements Valuation and financing the tiny house Explosive markets of tiny house communities across the U.S. Sat Apr 16 1:00 pm 4:45 pm SP Mon Apr 25 8:00 am 11:45 am BL Thu May 12 8:00 am 11:45 am BL Mon May 23 8:00 am 11:45 am SP Wed Jun 1 1:00 pm 4:45 pm SP Fri Jun 17 8:00 am 11:45 am BL This course has also been approved by the Minnesota Department of Labor and Industry for 3.75 hours of Residential Contractor continuing education. Also approved for Appraiser 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 Mon Apr 4 8:00 am 4:45 pm BL Fri May 13 8:00 am 4:45 pm SP Thu Jun 2 8:00 am 4:45 pm BL This course has also 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. 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 Tue Apr 5 1:00 pm 4:45 pm SP Fri Apr 22 8:00 am 11:45 am BL Mon May 2 8:00 am 11:45 am SP Fri May 20 1:00 pm 4:45 pm BL Sat Jun 11 8:00 am 11:45 am SP Wed Jun 15 1:00 pm 4:45 pm BL This course has also been approved by the Minnesota Dept. of Labor and Industry for 3.75 hours of Residential Contractor continuing education. 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 Tue Apr 19 6:15 pm 10:00 pm SP Fri Apr 29 1:00 pm 4:45 pm BL Fri May 27 1:00 pm 4:45 pm SP Wed Jun 1 6:15 pm 10:00 pm BL 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 and home ownership Appraising and valuing improvements Energy matters Financing improvements Risk management Listing unsellable inventory Wed Apr 20 8:00 am 4:45 pm SP Tue May 17 8:00 am 4:45 pm BL Tue Jun 14 8:00 am 4:45 pm BL 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. 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. Fri May 6 8:00 am 11:45 am BL Fri Jun 3 1:00 pm 4:45 pm SP 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 Wed Apr 6 8:00 am 11:45 am BL Thu Apr 21 6:15 pm 10:00 pm SP Wed May 4 1:00 pm 4:45 pm Duluth Mon May 9 8:00 am 11:45 am SP Wed May 11 1:00 pm 4:45 pm Rochester Wed May 18 1:00 pm 4:45 pm St Cloud Wed May 25 1:00 pm 4:45 pm Hinckley Tue May 31 8:00 am 11:45 am BL Mon Jun 13 1:00 pm 4:45 pm SP 6 7

5 Live Classroom Live Classroom 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 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 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 12 1:00 pm 4:45 pm BL Thu Jun 23 1:00 pm 4:45 pm BL 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 Fri Apr 8 1:00 pm 4:45 pm SP Tue May 3 6:15 pm 10:00 pm BL Thu May 26 8:00 am 11:45 am BL Mon Jun 20 8:00 am 11:45 am SP 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 Wed May 18 8:00 am 11:45 am SP Mon Jun 20 1:00 pm 4:45 pm SP 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 Mon Apr 11 8:00 am 4:45 pm BL Fri Jun 24 8:00 am 4:45 pm SP NEW! 2016 Tax Update Here s your chance to learn how the tax environment of 2016 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 The Federal tax gap and what the IRS is trying to do about it 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 Thu Apr 28 8:00 am 4:45 pm BL Wed May 25 8:00 am 4:45 pm SP Thu Jun 9 8:00 am 4:45 pm BL 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 Tue Apr 26 8:00 am 11:45 am BL Thu May 26 8:00 am 11:45 am SP Wed Jun 8 1:00 pm 4:45 pm BL 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. 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 Tue Apr 26 1:00 pm 4:45 pm BL Thu May 26 1:00 pm 4:45 pm SP Wed Jun 8 8:00 am 11:45 am 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 Wed Apr 27 8:00 am 4:45 pm BL Tue May 24 8:00 am 4:45 pm SP Tue Jun 7 8:00 am 4:45 pm BL 8 9

6 Live Classroom Live Classroom Introduction to Business Brokerage Buying Within Your Budget Residential Property Management: Part 1 Residential Property Management: Part 2 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 Thu May 19 8:00 am 4:45 pm BL 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 Tue May 3 8:00 am 4:45 pm BL 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 hardearned money. The psychology of spending Budgeting with a purpose Decreasing your debt Credit card management Improving credit scores Mon May 16 1:00 pm 4:45 pm BL Wed Jun 22 8:00 am 11:45 am SP 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 Thu Apr 7 8:00 am 4:45 pm SP Gain the tools needed to manage residential income property. You ll learn how to manage residential investments efficiently and profitably. Gain the basic management tools necessary to maximize investment returns through effective planning, policies, and procedures. You ll learn how to conduct a rental market analysis and structure the management agreement. Learn important legal considerations, including the Minnesota Landlord Tenant Act, the unlawful detainer process and anti-discrimination provisions of the Minnesota Human Rights Act. Managing the physical assets Determining the eligibility of applicants The lease Moving procedures Rent management systems, delinquencies, and deposits Record keeping Management agreement Maximizing investor returns Fri May 20 8:00 am 4:45 pm SP 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 Wed May 11 1:00 pm 4:45 pm BL Mon Jun 6 8:00 am 11:45 am SP Develop the skills to manage larger residential properties. There is one key to cash flow maximization during today s tough times intelligent and creative property management. This course will teach you how to profitably manage medium and large rental properties. You ll learn how to help the owner meet financial objectives through your ability to analyze regional and neighborhood trends. You ll also learn how to identify and cure physical deterioration and functional obsolescence. In addition, the process of determining profitable (yet competitive) rental rates will be discussed in detail. Also, you ll gain the tools necessary to improve the property value through effective income capitalization. We suggest attending Residential Property Management: Part 1 before attending this course, and build on the solid foundation of knowledge you will gain there. Determining the owner s objectives Regional and neighborhood trend analysis Property maintenance: in-house vs. contract Maximizing net income through rental rates Capitalizing income into value Physical deterioration and functional obsolescence Determining optimum rental rates Increasing property value Fri Jun 10 8:00 am 4:45 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. Thu Apr 21 1:00 pm 4:45 pm SP 10 11

7 Live Classroom Live Classroom 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. Thu May 5 8:00 am 11:45 am Duluth Tue May 10 1:00 pm 4:45 pm SP Thu May 12 8:00 am 11:45 am Rochester Thu May 19 8:00 am 11:45 am St Cloud Thu May 26 8:00 am 11:45 am Hinckley Thu Jun 16 8:00 am 11:45 am 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. Thu May 5 1:00 pm 4:45 pm Duluth Tue May 10 8:00 am 11:45 am SP Thu May 12 1:00 pm 4:45 pm Rochester Thu May 19 1:00 pm 4:45 pm St Cloud Thu May 26 1:00 pm 4:45 pm Hinckley 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 Thu Apr 21 8:00 am 11:45 am SP 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 Thu Jun 16 1:00 pm 4:45 pm BL Dually-Approved Minnesota and Wisconsin Continuing Education * We have what you need! The Wisconsin Department of Safety and Professional Services requires that in addition to Courses 1, 2, 3, and 4, Wisconsin real estate licensees must complete two half-day elective courses to fulfill the 18-hour requirement by the end of the current biennial license period: December 14, In just two days, you can complete 12 hours of Wisconsin real estate continuing education at the same time as you complete 15 hours of Minnesota real estate continuing education (including mandatory agency and fair housing topics) before your June 30, 2016, Minnesota continuing education deadline. In addition, to meet the Wisconsin requirement, we are offering a one-day program, Minnesota/ Wisconsin Dually Approved Elective Course. These two elective courses allow you to complete the Wisconsin six-hour elective requirement before your December 14, 2016, deadline at the same time as you complete 7.5 hours of Minnesota real estate continuing education. All three days will teach you exactly how to comply with Minnesota and Wisconsin laws. Accreditation in Minnesota: Each course has been approved by the Minnesota Department of Commerce for 3.75 hours of Real Estate Continuing Education. Accreditation in Wisconsin: Each course is approved by the Wisconsin Department of Safety and Professional Services and Licensing for 3 hours of real estate continuing education. SAVE $31 off of the individual course prices when you purchase all courses at one time! Day 1 Tuition: $110 Course 1: Wisconsin State Approved Listing Contracts Wed May 4 8:00 am 11:45 am SP Course 2: Wisconsin State Approved Offers to Purchase Wed May 4 1:00 pm 4:45 pm SP Day 2 Tuition: $110 Course 3: Wisconsin State New Developments Thu May 5 8:00 am 11:45 am SP Course 4: Ethics and Fair Housing in Wisconsin Thu May 5 1:00 pm 4:45 pm SP Day 3 Tuition: $110 Elective A Disclosures in a Wisconsin Transaction Fri May 6 8:00 am 11:45 am SP Elective B Risk Reduction for Wisconsin Salespeople and Brokers Fri May 6 1:00 pm 4:45 pm SP 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. 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. 30 Credit Hours $295 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. Includes Broker Principals of Minnesota Real Estate textbook. Mon Thu Apr :30 am 5:00 pm BL Sat Sun May 14 15, :30 am 5:00 pm SP Mon Thu Jun :30 am 5:00 pm BL 12 13

8 2016 Spring Tour OnDemand Video Courses Get 15 hours of Minnesota continuing education in just 2 days! The 2016 Real Estate Spring Tour is the easy and economical way to complete your continuing education requirement, network with colleagues, and get updated on your industry knowledge. Day 1, taught by Aimee Hanson, includes the mandatory real estate continuing education course for , Fair AND hot-topic 3.75-hour elective course,. Day 2, with instructor Stefan Salmonson, consists of two 3.75-hour elective courses, Workplace Violence: Preparing for the Unthinkable and Identity Theft: Protecting Your Clients and Your Business. These elective courses will raise your consciousness of criminal behavior to help you protect yourself and your clients 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 the single class price of $49. DAY 1 Aimee Hanson , Fair Housing, Agency Law, & Legal Update AND Mediate-Arbitrate-Litigate: An Informed Decision Dates and Locations May 4 5 Duluth The Inn on Lake Superior May Rochester Kahler Apache Hotel May St. Cloud Best Western Plus Kelly Inn May Hinckley Grand Casino Single class price $49 each. DAY 2 Stefan Salmonson Workplace Violence: Preparing for the Unthinkable AND Identity Theft: Protecting Your Clients and Your Business NEW! 7/1/15-6/30/16 SALESPERSON & BROKER REQUIRED MODULE Fair Housing, Agency Law, & Legal Update This is the required module, effective July 1, 2015, through June 30, It provides essential information you need concerning agency relationships and duties in Minnesota. All salespersons and brokers must complete this course before June 30, 2016, to maintain an active Minnesota real estate license. You will explore updated RESPA rules, marketing services agreements, and the new loan estimate form. Common Interest Ownership property statutes will be discussed, highlighting different types of properties, disclosure obligations, and rights. This class fulfills the agency and fair housing Minnesota CE requirements. This module also satisfies the 1-hour broker module requirement. Buying Within Your Budget 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! NEW! 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. You ll learn how the changing demographics and economics of recent years have influenced desirability for some types of homes over others. 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. Go to for details

9 OnDemand Courses OnDemand Courses Houses: Buy Fix SELL! 7.5 Credit Hours $59 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. 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 7.5 Credit Hours $59 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. Houses: Why Bad Things Happen to Good Houses 7.5 Credit Hours $59 We 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. Identity Theft: Protecting Your Clients and Your Business 2.75 Credit Hours $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. Real Estate Math 3.75Credit Hours $29 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! How to Measure Real Property 2.75 Credit Hours $19 Introduction to Real Estate Investments 7.5 Credit Hours $59 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. 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. Choosing these courses was one of the best decisions I ve made in starting a new career. Erin J

10 Heading Text-Based Online Education Planner Heading Text-Based Online Contracts and Minnesota Distressed Properties 7.5 Credit Hours $59 This two-part course provides you with information needed to thrive in today s market! Part 1: Contracts. You ll get a new look at vital agreements and addendums, requisite contracts and forms, bringing specific clarification of often misunderstood clauses and updated language that will help you communicate more accurately and clearly with your clients. You ll ensure more successful transactions, learn to turn a keen eye to the crucial details, and reduce the risk of all parties for future litigation with this course. Part 2: Minnesota Distressed Properties. Our expert instructors will help you navigate a precisely charted path from properly evaluating distressed properties, negotiating the purchase agreement, understanding timing factors, to learning the specific steps necessary to facilitate a successful short sale. You will learn from the best professionals how to steer clear from making costly mistakes and navigate this perilous terrain! Fair Housing: Minnesota 1 Credit Hour $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 upto-speed on fair housing requirements and ensure you are following the law. Real Estate Market Pulse 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. Residential Leasing Discover how the spike in investor activity in residential rental properties is also creating a demand for agents knowledgeable in leasing laws and practices. Learn the entire rental process from application to occupancy and how fair housing laws affect nearly every aspect of the process. Scams, Scoundrels, and Real Estate Stings 7.5 Credit Hours $59 Learn the newest schemes, like flopping, and how far-reaching the impact! Understand how today s high- and low-tech scammers prey on individuals and professionals alike. Understand how scams hurt your reputation and the industry reputation. Learn the liability that comes with being associated with a real estate scam. The Truth About Mold This course explores the impact of mold on the real estate industry. You receive practical information on remediation, reducing liability, sampling and other testing kits, health effects of mold, and the differences between mold and other environmental red flags. In addition to educating you about mold and its effects, it provides resources and next steps in the event mold is an issue in future real estate transactions. Understanding Today s Investors The worlds of investors and general brokerage can collide when you work with investors. Understanding investors mindsets, how they operate, and how they look to profit from deals will allow you to better serve this unique type of client. Additionally, it will help you to avoid potential ethical violations, as well as situations and activities that could lead to liability and perhaps even loss of your license. Virtual Brokerage: How to Do It 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. Looking for industry information? Visit our FREE Career Toolbox for the latest industry news! KAPLAN careertoolbox