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100 — RVing Basics — (Orv Hazelton) This seminar is geared for those new to the RV life-style as well as those desiring to learn more and simplify their RVing experience. This is a true "how to" class where you will learn how to simplify and understand the complex systems that go into operating your recreational vehicle. The newest methods and products will be introduced to help you decide what will best enhance your experience
112 — RV Driving: Towables — (Dennis Hill) How do I drive and tow that 5th wheel or travel trailer safely? Topics covered will be mirrors and their proper setting, turning, tail swing out, backing, braking, campground/fuel station maneuvering and more. (Note: Private behind-the-wheel lessons are not part of this class. Private lessons are available before or after the LOW Conference. Contact the RV Driving School at (530)878-0111 or email at rvschool@wizwire.com..
212A — RV Awnings: Proper Maintenance & Operating information — (Russ Maxwell) A professional in the awning business offers tips on awning care when traveling and discusses how to correctly operate awnings and maintain them to insure longevity — this includes dealing with wind when camping or traveling. Also, information about the care of awning materials both canvas and hardware will be presented. A handout on product information is provided.
218 — RV Electrical Systems — (Al Cohoe) Here's an introduction to the basic electrical systems in your RV. We will help you understand and maintain the 12-volt and 120-volt power system in RVs. We will discuss how the batteries, converters, inverters, solar systems and generators work together to power your RV. This is a basic class aimed at beginners.
252 —Selecting & Buying a 5th Wheel RV for Extended or Fulltime RVing: Features You Can't Live Without — (Joe Green) Many people starting out and planning to live in their 5th wheel RV have limited information or resources to help them make a good decision when buying a 5th wheel. In this introductory class, we will discuss the major features and design considerations one should explore when making this important decision. Some of the more common mistakes that have been made by others will be noted, along with ideas on how to avoid these mistakes. >
367 — The Reluctant Rver — (Nick and Terry Russell) Cold feet? Last minute jitters? Second thoughts? Have we gone totally insane? What have we gotten ourselves into? These are all questions most soon-to-be and new fulltimers ask themselves at one point or another. It's natural to feel this way when we make the decision to sell everything we own, leave our family and friends, and go off wandering around the country in an RV. You're not alone! Learn how to deal with these feelings and go on to enjoy a happy and successful RV lifestyle!
102 — Tips For Buying An RV — (Bob Marx) The focus is a plan that will help the buyer target the RV that best meets their needs. We will discuss types, sizes, features and floorplans, lifestyles, and uses. The class is beneficial to both new buyers and those buying a different RV.
114A — RV Driving: Motorhomes — (Dennis Hill) This is a basic course on how to properly drive a motor home. Most students can benefit from this class. (Important note: Individual behind-the-wheel lessons are NOT a part of this course. Private driving lessons during the pre- and post-conference weeks may be arranged by calling the RV Driving School at 530-878-0111 or email rvschool@wizwire.com)
201 — Selecting a Tow Truck for RV Trailers — (Joe Green) You've just selected the trailer of your dreams, a 30 footer with a couple of slides and lots of storage. What size truck do you need to tow your dream rig safely? This class will discuss important considerations you'll need to address when selecting the proper tow truck for your rig. If you already have a truck, you'll find out how to determine what size trailer you should be able to tow safely. We will use examples to show you how to interpret the information and ratings provided by the tow truck manufacturer and the trailer manufacturer. This class will cover tow vehicle selection for both 5th wheel trailers and travel trailers. This could be your most important class toward being happy and safe when RVing.
207 — Fresh & Waste Water Systems — (Al Cohoe) Fresh water and dump systems are the focus of this class. We will discuss how the systems work together including pumps, plumbing, filters, pressure regulators, tanks, and deodorants/chemicals. We will cover sanitizing and winterization. This is a basic class aimed at beginners.
310 — A Guide to Digital Photography: 101A—All About the Camera— (Linda Quinn) f you use a digital camera and want some insight into how it all works, this class is for you! Find out what you need to know about choosing a digital camera, how the camera works, how many megapixels do you really need, image storage (digital film), differences between point & shoot and SLR cameras, transferring images to your computer, printing your own photos, photo service printing, and tips for getting the most out of your camera while traveling. This class is the first in a four part series of classes on digital photography.You may attend any one or all of the classes.
371 — The Frugal RVer — (Nick Russell) Yes, you can enjoy the RV lifestyle on a budget. The Russells keep very careful records; their overnight parking costs average well under $5 a night. This seminar discusses ways both experienced RVers and newcomers can save money on camping costs, travel expenses, vehicle maintenance, groceries, and entertainment. No matter what your budget is, we can all appreciate saving a buck or two!
124 — Fulltiming Overview — (Gaylord Maxwell) Listen to a quick, lighthearted, rather idealistic overview of the fulltiming lifestyle aimed particularly at "wannabes". Questions addressed are: Who makes a successful fulltimer? What do fulltimers do? How does one get mail, do banking, and keep in touch? How about medical needs? Should I sell the house? What do I do with my things? What do I take? How much income do I need? Should I take a pet? A gun? When should I start?
210 — Motorhome Dinghy Towing Equipment — (TBA) This is a course designed primarily for those who are not yet dinghy towing to assist them in choosing equipment that will best meet their needs. Some discussion of trailers and dollies is included, but the primary focus is on tow bars, mounting systems, and towing system accessories. Topics include: car trailer, tow dolly, and tow bar advantages and disadvantages, automatic transmissions, and towing tips. (It is recommended that you take this class before attending #262—Motorhome Towing Tips and Fundamentals.)
225 — Maintenance & Repair: Propane — (Al Cohoe) Here's an overview of what propane is and what you need to know to be safe and comfortable with it. Learn to handle and use propane safely. What are the components of propane and how do they work together? What are the steps involved in ensuring that your system has been safety-checked properly? What can you do, as an owner, to ensure that your system is functioning safely? Find the answers to these questions in this class.
234 — Gizmo & Gadgets — (Bob Marx) This is a show and tell session of the items that make RVing more enjoyable. Some are necessary, some are for safety and convenience, and some are just for fun. The class is for beginners, but all are welcome. Relax and enjoy.
261 — Suspension Systems, Brakes, & Bearings for 5th Wheels & Travel Trailers — (Joe Green) RV manufacturers utilize a variety of suspension systems and braking systems on RV trailers. These systems are often overlooked or not given much consideration because they are "out of sight". If you want to keep your RV trailer from becoming an expensive shed, come to this class. Or if you are in the market for a new trailer, find out what your options are. We will review the features, performance, and operation of each type of suspension, brake, and wheel bearing system. Manufacturers' recommendations for maintenance and inspection of these systems will also be discussed.
372 — Work Your Way Across the USA — (Nick Russell) Learn about working in RV parks, theme parks, campground map sales, and popular seasonal tourist areas such as Branson, Missouri and Wisconsin Dells, Wisconsin. Hear about small business ideas that fit into the RV lifestyle, including vending at RV rallies, swap meet vending, providing services to other RVers such as repairing RVs, painting murals on rigs, etc. Seasonal work is also covered, such as selling pumpkins at Halloween, Christmas tree sales, working fireworks stands for the 4th of July, hiring on at retail stores for the holiday rush, etc. Time for Q & A when class attendees can share ideas to make money while traveling. This is a valuable class for newbies and experienced RVers alike who want to earn money as they travel.
107 — Choosing the Right RV — (Gaylord Maxwell) This is a discussion of a method for choosing an RV so that you will get the best one for your needs. You will not be told what to buy, but you will be given practical, helpful information about how you should be thinking when you are shopping for an RV. Included are some comparisons of the various types of RVs with pros and cons for each.
115 — Solo Travelers' Connections — (Frances Hawkins) Come join in a discussion of all the many activities available to the solo traveler through groups. Learn how the groups' structures differ from each other and which activities each group stresses. Kayaking, dance rallies, trips to Canada and Mexico, cruises, parking together at rallies and conventions, an annual trip to Branson, hiking. All this and more. The opportunities are limitless. And, you can always decide to travel alone or with a small group of friends whenever you want to.
136 — Extended and Fulltime Travel — (Bob Marx) This course is for both present and prospective RVers who are contemplating extended or fulltime RVing. Learn ways to deal with your present house, communications on the road, banking and bill paying, mail forwarding, medical care and prescriptions, meeting people, and other concerns while on the road. There will be time for questions after the seminar.
212B — RV Awnings: Care & Feeding — (Russ Maxwell) A repeat of Monday, period 1
263 — Hitch Systems for 5th Wheel & Travel Trailers — (Joe Green) Whatever type of RV trailer that you tow, you have numerous options when it comes to selecting a hitch system. This class will provide a complete review of both conventional ("tow behind") trailer and 5th wheel trailer hitch systems. We'll cover the basics of what is currently available and information on how to select the best system for your needs. There will be plenty of opportunity to ask questions.
333 — Keep In Touch With a Personal Blog — (Linda Quinn) A Blog, short for Web Log, is an online journal and the perfect medium for RVers to share their adventures with friends and family back home. Learn how easy it is to create a blog for little or no cost — all you need is Internet access. The instructor will demonstrate how to set up and maintain a blog with text and photos; learn how to select the best Web site to host your blog.
374 — Fulltiming Frequently Asked Questions (FAQs) — (Nick Russell) Are you a fulltimer if you still have a house but don't live in it? How do you get your mail? What are the best cellular telephone plans for fulltimers? What roadside service plans are best for fulltime RVers? Which is better for fulltime use, a motorhome, travel trailer, or a 5th wheel trailer? Can I still get satellite TV when I'm on the road, including the local networks? Are campground memberships a good investment for fulltimers? These are just a few of the questions that all new fulltimers ask. Nick Russell answers these and many other common questions in this fun seminar for newbies and wannabes, and leaves plenty of time for questions from the class.
178 — The Five Biggest Mistakes RVers Make When Buying an RV — (Gaylord Maxwell) Buying a new RV is an intimidating task. The enormous variety of brands, types, models, options and, above all, prices almost stagger the imagination. Even reasonably knowledgeable buyers often end up saying "I wish I had . . . " This seminar explores some of the most common mistakes RV buyers make from the perspective of a veteran RVer whose background includes many years as an RV dealer and decades as an RV lifestyle writer.
226 — Operation & Maintenance: Furnaces/Water Heaters — (Al Cohoe) Find out how the typical RV propane forced air furnace and water heater operates. We will discuss how to prevent common problems with regular maintenance and what can be done to help the service technician diagnose a problem. This is not a class to learn how to repair your appliance and will not be discussing the hot water radiant heating systems found in some high-end coach (RV).
229 — Safe RVing: The Choice is Yours — (Orv Hazelton) Here’s a lively discussion on RV safety focusing on how our attitudes affect our driving and safety experiences. We will focus on the "what if" scenarios to anticipate better preparedness in our RVing.
235 — Electronic GPS Mapping with Your Laptop (Bob Marx) The focus is DeLorme's Street Atlas 2008. Topics include the advantages of very affordable electronic GPS mapping software combined with GPS live-time navigation as you drive. We will explore trip planning, points of interest, and setting route preferences. Solos will be interested in the electronic voice that guides you as you drive.
255 — Safe Trailer Towing with Weight Distributing Hitches — (TBA) A class about how a weight distributing hitch works, how to choose the right weight distributing hitch, and how to use it properly and safely. Plenty of time for Q & A.
312 — A Guide to Digital Photography: 101B—Taking Better Photographs with Your Digital Camera— (Linda Quinn) This class shows you how to get the most out of your digital camera. Topics include using the camera to take sharper photographs, making better compositions, getting the most out of available light, using your camera's built-in features, and sharing your photos with family and friends on the Internet.This class is the second in a four part series of classes on digital photography.You may attend any one or all of the classes.
369 — Considerations in Choosing A Home Base for Fulltimers — (Nick Russell) The domicile you choose for your home base as a fulltimer may affect your income, taxes, RV licenses, drivers license, voting rights, insurance, etc. One size does not fit all! Every person's requirements will be different. The state with the lowest vehicle registration fees may not be the best selection overall! Learn about address requirements and legal implications, available mail forwarding services, and vehicle inspection requirements. Hear the advantages and disadvantages of the more popular states and learn what questions you have to ask before you settle on the best state for your needs.
133 — Snowbird Roosts — (Gaylord Maxwell) Here?s a survey of major regions and specific areas where snowbirds gather and geographical factors that make those places attractive to RVers. Hear some of the "good news" and the "bad news" about each area. Some recommendations for specific places and parks based on recent experiences shared. All are areas Gaylord has visited many times and he talks only about things he has personally experienced. Please be forewarned that most references are to private--not public--parks nor is there a reference to boondocking.
148A — RV Insurance — (Trese Hallett) From RV to personal lines insurance, Trese discusses coverage you need to feel at home on the road. Because you never know what is ahead, she explains insurance coverage and terms and then explains questions like: How are premiums determined? What is credit scoring? Do I need additional coverage if I live in my RV? How does an Excess Personal Liability umbrella policy work? Do I need Mexico coverage? Trese will help you become a more informed consumer about your RV insurance product.
227 — Operation & Maintenance: Refrigerators/Ovens/Ranges — (Al Cohoe) Find out how the typical RV propane refrigerator and oven/range operates. We will discuss how to prevent common problems with regular maintenance and what can be done to help the service technician diagnose a problem. This is not a class to learn how to repair your appliance.
253 — What's Under That Sleek Looking Motorhome? — (Joe Green) Today's motorhomes are built on a variety of gas and diesel chassis. What are your options? Do you know what kind of chassis you are operating? This class will provide a basic overview of the current model year chassis choices that are available to you. We will discuss the features and performance of these systems, both gas and diesel.
311 — A Guide for the Digital Photographer: The Digital Darkroom—Making Your Photos Better— (Linda Quinn) Learn how you can make all your photographs better with simple editing on the computer. Topics include eliminating red-eye, cropping and resizing, erasing blemishes, color correction, printing photo quality images with an inkjet printer, and much more. A variety of image editing software will be discussed. This class is the third in a four part series of classes on digital photography.You may attend any one or all of the classes.
375 — Be a Smart RV Shopper — (Nick Russell) You can avoid the mistakes so many new RV shoppers make! Learn how to do your homework to identify your needs in an RV before going to an RV dealership; see how to use the Internet to research a model or style of RV that works for your lifestyle; discover how to control the sales situation so you find and purchase the RV that is right for you, not what the salesman gets the most commission on; know what to look for in an RV and what equipment is beneficial to fulltimers, as well as the options that are "fluff"; learn what to look out for in a used RV(signs of previous problems, owner neglect, etc.); buying from private owners, how to find RVs for sale by private owners, how to handle financing, etc. are all covered in this seminar that will save you time and money!
400 — Remember When Workshop: How To Create Your Own Legacy — (Alice Kyle & Tom Owens) Learn how to build a legacy using the past, present and future. You as the forefathers of Mobile Retirement will be documenting an emerging movement that is unparalleled in history. Personal interaction and a powerpoint presentation will jog your memory and cause long forgotten ideas to reappear. Each student will receive a free personal copy of the very popular "Just A Few Memories To Share". This magnificent workbook will help you organize your memories and translate your history into print. Learn exciting new ways to provide for your secure future. How do you handle Veteran, Medicare, S.S., Pensions and Insurance benefits? How to respond when the insurance company says "we are going to send you a book of checks, write what you need!" Do you realize that preplanning freezes prices with whatever company you choose and provides complete peace of mind for the final event and that it may, in fact, be cost free? Learn how to guarantee help at the moment you need it no matter where you are located in the world. This course provides a chance to talk face to face with dedicated, nationally licensed professionals at arms length to help you develop your personal Final Exit Plan.
114B — RV Driving: Motorhomes — (Dennis Hill) A repeat of Monday, period 2
148B — RV Insurance — (Trese Hallett) A repeat of Tuesday, period 2
254 — Medium Duty Trucks (MDTs) & Heavy Duty Trucks (HDTs) for RV Applications — (Joe Green) Within the past decade, a new trend has developed in the world of RVs, and that is the use MDTs and HDTs for RVing. Previously only used in commercial applications, these "big trucks" are now used for towing large 5th wheel trailers and serve as the chassis foundation for some unique motorhomes. This class will be a basic overview about these vehicles, providing information on selection and application, and will include a discussion about insurance, licensing, and registration. Lots of pictures will give you an idea of the "possibilities".
256 — Enhanced Steering Control — (TBA) Discuss steering control systems and how they can enhance your travels by reducing driver fatigue and minimizing side wind effects and increased safety during blow-out or highway drop off situations. There will be time for questions and answers.
370 — Meandering Down the Highway — (Nick Russell) Discover how Nick and his wife Terry made the transition from workaholics in their former lives to becoming working fulltime RVers. Included are the topics all new RVers want to know: how to get mail, where to spend holidays, where to register vehicles, what about the family and friends left behind? This seminar also touches on what happened when, eighteen months into their fulltime adventures, Terry was stricken with advanced cervical cancer and told her chances of survival were low. Fortunately she managed a complete recovery. Hear how being able to travel and seek the best medical help played a major role in her survival. Lots of useful information here to help new fulltimers get started, as well experiences seasoned RVers can relate to.
398 — The Basics of Batteries & Solar Recharging —(Rick Schafer) We will cover the basics of RV batteries & Solar Systems. Covered will be your RV's batteries, the parts to a Solar system and how you can determine the size of the Solar system you need. The last part of the session will be Q & A.
217 — Gas VS. Diesel Engines — (Joe Green) Today, when shopping for a RV, buyers have a great selection of engines to choose from. But mainly, the question comes down to "Gas Vs. Diesel?" This class will be a basic introduction to these different types of engines. We will discuss and compare factors such as how they operate, performance, longevity, fuel consumption, environmental impact, and costs. We will also cover the new 2007 requirements for diesel engines and the use of biodiesel fuels.
220— Warranties& Recalls: What We as Consumers Must Know — (Orv Hazelton) Learn how to obtain the best warranty service and where to discover recall and service bulletin information.
223 — Generators — (Al Cohoe) This session focuses primarily on Onan generators, but other brands will receive some attention. Topics include performance features of the various sizes and models in gas, diesel, and propane versions. Proper maintenance will be discussed.
262 — Motorhome Towing Tips and Fundamentals — (TBA) Blue Ox presents a hands-on seminar designed to further educate RVers on the fundamentals of towing a car, as well as the process of hooking and unhooking from their RVs. This will be a hands-on session with questions and answers as you go. (It is recommended that you attend #210—Dinghy Towing, Wednesday, period 3 before this class.)
376 — RVing with a Goal — (Nick Russell) Okay, you've visited the grandkids and that long-lost cousin, you've seen Mount Rushmore, and you've been to Branson. Now what? Your RV is your ticket to a lifetime of adventure, tailored to meet your own special interests. Learn about goal-oriented RVing in this seminar, which discusses the many hobbies and special interests that go hand-in-hand with the RV lifestyle. Some RVers make it a point to follow every major Old West trail or historic route, others explore old Civil War battlefields, some want to visit every president's grave or birthplace, while others use their RVs to follow the square dance or bluegrass circuit. Whatever your goal or special interest, your RV can take you there. This is a fun and interesting class for all RVers, no matter what your experience level.
456 — A Guide for the Digital Photographer: All About Using a Digital SLR — (Linda Quinn) A question and answer session for anyone using, or contemplating using a digital SLR camera. Topics to be covered include a survey of SLR cameras, camera settings, light meter readings, lens options, RAW and JPEG file formats, getting the best picture quality. This class is the fourth in a four part series of classes on digital photography. You may attend any one or all of the classes.
211 — Motorhome Supplemental Braking for Dinghy Towing — (TBA) This is a course for those using or planning to use tow bars to tow a car behind their motor home. It includes safety tips, suggestions for equipment maintenance, and safety equipment choices. Specific focus is given to questions on towed vehicle braking, legal requirements, and a discussion regarding the various choices in braking systems.
238 — You Bought an RV, Now What? Beginner Tech Questions — (Al Cohoe & Bob Marx) First time owners or those who are about to become RV owners are welcome in this open forum. This will be an open forum style class and the instructor will answer questions, but will limit discussion to basic technical issues. Experienced owners are likely to find the material in this class to be too basic for their needs. Come prepared with questions.
257 — Basic Gas and Diesel Engine Maintenance — (Joe Green) Are you a wannabee "shade tree mechanic"? Do you have problems understanding the difference between 10W30 oil and 15W40 oil? Should you use synthetics? What does running the overhead involve? If you want to learn more about maintaining your gas or diesel engine, this class is for you. In this class, we will review the basics when it comes to maintaining your gas or diesel engine RV. Tips for preventative maintenance will also be presented. Please note:This class is on "maintenance" not "repair". Sorry, we can't do any actual repairs on your rig in this class! If you have a repair issue, you really need to talk to a qualified mechanic.
339 —Boondocking Tips & Techniques – Living Well Off The Grid — (Nick Russell) Boondocking does not have to be "roughing it!" One can live quite comfortably without being in a campground all the time. Nick and Terry Russell are experienced boondockers, who have spent as much as 7 months at one time without the benefit of RV hookups. In that time they built cabinets for their bus conversion, published three issues of their RV newspaper, and two books, all while living and working off just their RV's systems! If you want to cut that campground umbilical cord, this class will show you how!
399 — On the Road with Your Computer — (Linda Quinn) Are you looking for some insight into using you computer on the road? Wether you are looking to buy a new computer or you need some tips on configuring you current computer, this session will cover some of the computing from the viewpoint of an RVers. Topics covered will include how to select the best computer for your needs, where to get help when you need it, what applications you really need, and how to connect to the internet on the road.
467 — The First 48 Hours After a Death – What Should I Expect? — (Tom Owens & Alice Kyle) This class covers what to expect immediately after a death, and the following few days. This is a PowerPoint presentation covering end of life issues: planning, personal concerns, financial issues, legal concerns and handling grief. This class includes an open forum to get answers to the questions you always wanted to ask. The instructors have professional experience in funeral service and will guide the group away from mere assumptions to confront reality.
479 — The Escapees RV Club: Who are the SKPs? — (Orv Hazelton & Dennis Hill) Here's an informative class on the origins of this service oriented RV club and CAREs (continuing assistance for retired escapees) center. Included are stories from the group's founders, Joe & Kay Peterson as well as how this association has grown to serve the full and extended time RV lifestyles. Learn why your instructors say they haven't merely joined an RV club but rather have become SKPS.
230 — Extended Service Plans: What We as Consumers Must Know — (Orv Hazelton) Are extended service plans, commonly referred to as "extended warranties" the appropriate product for your needs? This seminar will arm you with the necessary information to decide what is best for you. You will learn of the types of products available and where to purchase them.
237 — How To Inspect An RV Prior To Purchase — A Pre-Delivery Inspecction — (Al Cohoe) Whether buying new or used, every potential purchase should be inspected prior to negotiating the price. This class will teach you to see what a technician sees when they inspect an RV. The most common and serious problem areas in RVs will be covered.
254 — Driving an RV with Air Brakes — (Dennis Hill) Learn what a driver should know about driving with air brakes. You will learn how the air system functions and their safety features. Topics will include the air compressor, gauges, parking, emergency brakes, low air warning devices, and checking for leaks. This is a non-technical course for new owners and those who are considering the purchase of an RV unit with air brakes. Private lessons before or after the Conference may be arranged by calling the RV Driving School 530-878-0111 or email: rvschool@wizwire.com for details.
326 — Map Reading 101 — (Joe Green) Have you ever been lost reading a map? Is a GPS too high tech for you or just not in your budget? Are you the navigator on your traveling team and it's always your fault that "we" got lost? Do you struggle trying to understand all the information on your road map? If you answered yes to any of these questions, then this basic, introductory class is for you. You will learn how to find your way with a road map and how to interpret the various pieces of information provided by the map that will make your travels more informed and pleasant. We will use class exercises to show you how not to get lost when reading a map. This class does not discuss GPS systems. Please note: If you own a Rand McNally Road Atlas, please bring it with you to class for use during the class exercise.
373 — Highway History and Back Road Mystery — (Nick Russell) There is adventure awaiting you just off the interstate! Come along with fulltime RVer and travel author Nick Russell to explore interesting historical sites and puzzling mysteries you will never hear about in the tourist brochures, including the tale of a West Virginia ghost that helped convict a murderer, the Oklahoma outlaw that was more famous dead than alive, the mystery of who is buried in Daniel Boone's tomb, the story of a lady spy from the Civil War and more! This is a fun and interesting class for all RVers, no matter what their experience level.
392 — RV Recordkeeping with Excel — (Marcia Gantz) To help you keep track of your expenses, learn how to set up an Excel spreadsheet. In this how-to session you will see how calculations can track camping, fuel, food, and other related expenses.
466 — Identity Theft and Living Wills — (Tom Owens & Alice Kyle) How vulnerable are you? Learn about ways to protect yourself from identity theft, and what to do if you are a victim. What is a living will? Does everyone need one and what is it used for? Who gets a copy? Templates will be available for each student and there will be time for questions and answers.