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Trademark Class 36 includes services for insurance, financial, monetary, and real estate affairs. Registrants mainly use Class 36 for financial and monetary services.
Trademark Class 41 includes services for education, tutoring, training, entertainment, and various sporting and cultural activities. The class covers mainly services rendered by persons or institutions to educate persons or train animals, as well as services intended to entertain.
Class 36 includes mainly services relating to banking and other financial transactions, financial valuation services, as well as insurance and real estate activities.
No, once you submit your application to the IP office, you can't add more classes.
Common law trademarks are free and do not require any paperwork or forms. There is no way to register a name trademark for free because you will always have to pay at least a small fee that covers the costs of examining and processing your trademark application. There is no way to get a federal trademark for free.