Local businesses and organizations have teamed up to sponsor personal financial education. Free seminars at various locations will cover topics ranging from budgeting to homebuying to estate planning.
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First Laddy of Wiscon nsin Tonette Walker W Tonette W Govern Walker Ambassaador, nor’s il Wiscon on Financi First Counci Laddy of nsinial Literacy WI Departm ment of Financiall Institutions, Off ffice of Financiall Literacy First Laddy of Wiscon nsin Ambassa ador, 46Govern nor’s Counci il on Financi ialington Literacy Mail: PO Box 7846, Madiso on, WI 53707-784 Courie er: 201 W. Washi Ave. Ste. 300, 3 Madison, WI W 53703 Ambassaador, Govern nor’s Counci il on Financi ial Literacy V Voice: (608) 267-1713 Faxx: (608) 267-68133 TTY: (608) 266-8818 Internet: www.wdfi.org w
WI Departm ment of Financiall Institutions, Off ffice of Financiall Literacy Mail: PO Box 7846, Madiso on, WI 53707-78446 Courieer: 201 W. Washiington Ave. Ste. 300, 3 Madison, WI W 53703 WI Departm ment of Financiall Institutions, Off ffice of Financiall Literacy V Voice: (608) 267-1713 Fax x: (608) 267-6813 3Institutions, TTY: (608)of266-8818 Internet: www.wdfi.org w WI Departm ment of Financial l Off ffice Financial l Literacy Mail: PO Box 7846, Madiso on, WI 53707-78446 Courieer: 201 W. Washiington Ave. Ste. 300, 3 Madison, WI W Mail: PO Box 7846, Madiso on, WI 53707-784 Courie er: 201 W. Washi Ave.(Ste. 3266-8818 Madison, WI W 53703 V 46(608) 267-1713 Voice: Fax x: (608) 267-6813 3 ingtonTTY: 608)300, Internet: www.wdfi.org w V Voice: (608) 267-1713 Faxx: (608) 267-68133 TTY: (608) 266-8818 Internet: www.wdfi.org w
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Warm Up To
% 3.05
*
APY
On balances up to $24,999.99
Open a PowerInterest Checking today!
459-4444 - communitybankandtrust.com Account eligibility is for consumer customers only. Business customers are not eligible. Limited to one PowerInterest Checking Account per Tax Identification Number. To earn the maximum interest rate (Bonus Rate) and Annual Percentage Yield (APY) you must maintain a PowerInterest Checking Account and meet the following requirements each statement cycle: 1.) Receive your monthly statement electronically by enrolling in eStatements and maintain a valid email address with the bank, and agreeing to receive monthly bank statements and notices electronically over the internet: 2.) Receive at least one ACH Direct Deposit into the account, minimum of at least $200.00, such as payroll, pension or government payment; 3.) Access Online Banking at least once prior to the close of business on the last business day of the statement cycle and 4.) Make 12 signature-based Debit Card/POS Credit transaction (post and settle to your account) transactions of at least $10.00 each. PIN based and ATM transaction do not qualify. If the account requirements are not met during a statement cycle, the Base Rate of 0.10% (0.10%APY) will be paid on the entire balance. Bonus Rate applies as follows: If your daily balance is $0.00 through $24,999.99, the interest rate paid on the entire balance will be 3.01% with an APY of 3.05%. An interest rate of .50% will be paid only for that portion of your daily balance that is $25,000.00 through $99,999.99. The APY for this tier will range from 3.05% to 1.13%, depending on the balance in the account. An interest rate of .25% will be paid only for that portion of your daily balance that is $100,000.00 and above. The APY for this tier will range from 1.13% to .25%, depending on the balance in the account. Rates and APY’s are accurate as of 01/01/2013 and are subject to change without notice. No minimum balance required, however you must deposit a minimum of $50 to open account. Offer may be changed, adjusted or withdrawn at any time. Fees may reduce earnings on account. See account disclosure for more details, and statement cycle definition. Member FDIC.
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Horace Mann Middle School 2820 Union Avenue • Sheboygan
■ Learn about local resources that can help you If you ever thought of starting your own business, this class is for you! » Horace Mann Middle School, 2820 Union Ave., Room 123 » Kristin Bell Abell (920) 693-1658, kristin.abell@gotoltc.edu
Monday, April 22 5 – 6 p.m. Probate, Trusts, and Securing My Assets Sponsored by Wurtz, Roth, & Basler, S.C. Do I need a trust to avoid probate? How can I transfer my home and retain my rights? How do I save my assets for my family? Have an Attorney explain it for you. » Horace Mann Middle School, 2820 Union Ave., Room 123 » Attorney Michael Roth (920) 457-5097
6:15 – 7:15 p.m. Landlord and Tenant Rights Sponsored by Hawley, Kaufmann, & Kautzer Law Offices This presentation will cover important aspects of landlord and tenant rights. » Horace Mann Middle School, 2820 Union Ave., Room 124 » Hawley, Kaufmann, & Kautzer Law Offices (920) 457-4800, information@hkklawoffices.com
5 – 6 p.m. Your Money and the Market: What the Media Missed Sponsored by H.C. Denison Company Consumers have been bombarded by a negative stream of news from various media outlets predicting economic Armageddon. In this informative, eye-opening seminar, Robert J. Kuehl dispels these doomsday reports with underreported factual data, arming attendees with valuable insights that will lead to “money smart” decisions and a positive disposition. » Horace Mann Middle School, 2820 Union Ave., Room 124 » Robert J. Kuehl, CFP & Vice President - H.C. Denison (920) 457-9451, rkuehl@hcdenison.com
6:15 – 7:15 p.m. Saving for College and the Financial Aid Process Sponsored by Veritas Financial Services LLC Not all college savings accounts are created equal. This class will look at the various ways in which you can save for college, and how these accounts affect how your financial aid is calculated. This class is a must for parents! » Horace Mann Middle School, 2820 Union Ave., Room 125 » Jeremy Burri (920) 893-5262, jburri@veritasinvesting.com 6:15 – 7:15 p.m. Long Term Care: the Overlooked Risk Sponsored by Insurance Solutions Many people put off thinking about Long Term Care, however, delaying your decision could be costly to you and your family. Learn about the programs, such as the Wisconsin Partnership Plan and tax deductions available today to assist in protecting you and your nest egg. » Horace Mann Middle School, 2820 Union Ave., Room 126 » Paulette Ruminski (920) 268-1600, paulette@insurancesolutions-wi.com
5 – 6 p.m. Planning for a Tax Free Retirement Sponsored by Veritas Financial Services LLC This presentation will look at ways to prepare for retirement in a tax efficient way, and will also look at proposed changes to the tax code going forward. This presentation is packed full of great information! » Horace Mann Middle School, 2820 Union Ave., Room 125 » Jeremy Burri (920) 893-5262, jburri@veritasinvesting.com
6:15 – 7:15 p.m. Social Security Disability Sponsored by Wurtz, Roth, & Basler, S.C. This presentation will provide a general overview of disability claims and the appeals process. » Horace Mann Middle School, 2820 Union Ave., Room 128 » Attorney Mark E. Wurtz (920) 457-5097
5 – 6 p.m. Funeral Pre-Planning Guidance Sponsored by Reinbold–Novak Funeral Home This presentation will cover all aspects of funeral pre-planning with a time for questions and answers. » Horace Mann Middle School, 2820 Union Ave., Room 126 » Mike Reinbold (920) 452-7711, mike@reinboldfh.com
7:30 – 8:30 p.m. A Strategy for Recovery Sponsored by CB Investment Services This seminar will discuss the current economic environment, historical data, cycles in the market over time, and a discussion on personal investment planning strategies. » Horace Mann Middle School, 2820 Union Ave., Room 123 » Mary Ryan (920) 459-4444, mary.ryan@ceterais.com
6:15 – 7:15 p.m. Building Business Blocks Sponsored by Lakeshore Technical College’s Center For Entrepreneurship Starting your own business? ■ Understand what qualities are needed to become a successful entrepreneur ■ Determine if you have an idea that will work ■ Understand the first steps you need to take to start a business
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Horace Mann Middle School | 2820 Union Avenue • Sheboygan 7:30 – 8:30 p.m. Don’t be a Dumb Money Investor Sponsored by Veritas Financial Services LLC Those in the know who work on Wall Street have long used the term “dumb money.” Unfortunately, that term was not invented to describe institutions or wealthy, affluent investors. The truth is that it was designed to describe the general investing public. In this class we will learn about the behaviors of the “smart money,” and how to pattern their successful investing behavior. » Horace Mann Middle School, 2820 Union Ave., Room 125 » Jeremy Burri (920) 893-5262, jburri@veritasinvesting.com
Tuesday, April 23 5 – 6 p.m. Stretching Your Food Dollar Sponsored by Consumer Credit Counseling Service Learn basic concepts of getting more for less in your grocery shopping. Discover how to save 10 percent or more on your grocery bill every month. What could you do with that extra money? » Horace Mann Middle School, 2820 Union Ave., Room 123 » Jeannine Folan (920) 458-3784, jfolan@cccsonline.org 5 – 6 p.m. Don’t Forget Your Home Inspection Sponsored by 4 Square Home Inspections, LLC Important information you should know “before” buying or selling your home. » Horace Mann Middle School, 2820 Union Ave., Room 124 » Greg Liebig, Certified Home Inspector (920) 451-4646, greg@4squarehi.com
7:30 – 8:30 p.m. Health Care Reform & New Health Insurance Exchanges: What Will Exchanges Mean to Consumers? Sponsored by Insurance Solutions While there have been many moving parts to the Health Care Reform bill, health insurance exchanges (a new program through which to purchase health insurance) will soon be a reality. This session will outline what the exchange is, how it will work, the 4 levels of coverage (Bronze, Silver, Gold and Platinum) and why you may, or may not, choose to consider the exchange when purchasing health insurance coverage in the future. » Horace Mann Middle School, 2820 Union Ave., Room 126 » Paulette Ruminski (920) 268-1600, paulette@insurancesolutions-wi.com
5 – 6 p.m. Planning for Social Security Sponsored by Kohler Credit Union This presentation is geared to the soon-to-beretired or planning-to-retire person. It is a journey through the options when choosing to start your Social Security payments. It’s not always a straight forward decision. » Horace Mann Middle School, 2820 Union Ave., Room 125 » Tom Binversie, Financial Advisor (920) 783-2311, tbinversie@kohlercu.com continued on page 6
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Horace Mann Middle School | 2820 Union Avenue • Sheboygan 5 – 6 p.m. Scams and Schemes to Get Your Money Sponsored by Consumer Credit Counseling Service Everyone wants your money! What do you have to do to protect yourself? Learn about various scams and schemes that are used to try to get your money, including telemarketing and mail. Learn some simple prevention habits and precautions to take to protect yourself. » Horace Mann Middle School, 2820 Union Ave., Room 126 » Lisa Arneson (920) 458-3784, larneson@cccsonline.org
6:15 – 7:15 p.m. The Dark Side of Investing Sponsored by Veritas Financial Services LLC Did you know that costs are one of the best determinants of portfolio performance, yet investors are in the dark regarding what they are actually paying. Compounding the issue is that many of these costs are hidden. This class will shed light on the many costs associated with investing and how to reduce them. » Horace Mann Middle School, 2820 Union Ave., Room 128 » Margaret Wittkopp (920) 893-5262, margaret.wittkopp@veritasinvesting.com
5 – 6 p.m. Myths and Truths of Investing Sponsored by Veritas Financial Services LLC This presentation looks at the still widely held myths of the investment community and the true story of investing from an academic standpoint. We will also discuss the warning signs that you are actually gambling and speculating with your portfolio versus prudently investing. » Horace Mann Middle School, 2820 Union Ave., Room 128 » Margaret Wittkopp (920) 893-5262, margaret.wittkopp@veritasinvesting.com
7:30 – 8:30 p.m. Medicare & You Sponsored by Insurance Solutions This class will discuss the federal Medicare program - what it pays for and what it doesn’t pay for. We will also explore options to fill in the gaps of Medicare coverage and how to get the most from your health care dollars. » Horace Mann Middle School, 2820 Union Ave., Room 123 » Dorcas George (920) 268-1600, dorcas@insurancesolutions-wi.com
6:15 – 7:15 p.m. Couponing 101 Boot Camp Sponsored by Jenni Stein Learn the “boot camp basics” of everyday couponing and saving money. Learn tips on how to save your family at least 50 percent on your food budget by using coupons, watching sales and comparing pricing. Attendees do not need any previous coupon skills. Attendees will be able to apply concepts immediately to save their family money. This class is for anyone looking to stretch their food budget and trim out any excess spending (this is not extreme couponing). » Horace Mann Middle School, 2820 Union Ave., Room 123 » Jenni Stein (920) 207-7838, jenniraestein@yahoo.com
7:30 – 8:30 p.m. An Economic & Investment Update Sponsored by Thrivent Financial for Lutherans In this “Economic and Investment Update” you’ll gain a better understanding of today’s economy and we will put the economy into perspective. It’s been a difficult couple of years in the financial world. Even if the worst is behind us, the recovery is far from over. Come and hear some meaningful perspectives that can help guide your financial future. » Horace Mann Middle School, 2820 Union Ave., Room 124 » Bart Malcomson, professional development manager, east Wisconsin and upper Michigan region (920) 851-0688, jenny.rohan@thrivent.com
6:15 – 7:15 p.m. Beating the Financial Squeeze Sponsored by Consumer Credit Counseling Service Learn the basic tools to develop and implement a successful spending plan to help you take control of your financial matters. » Horace Mann Middle School, 2820 Union Ave., Room 125 » Jeannine Folan (920) 458-3784, jfolan@cccsonline.org
7:30 – 8:30 p.m. Investing Your Assets? What You Think You Know May Hurt You Sponsored by Kevin Bay Investments, LLC This class will cover the basics of portfolio management: time value of money, compounding, capital markets, value vs. growth investing, and separate accounts vs. mutual funds. While a few unlucky investors may begin investing without understanding the basics, you will have the opportunity to learn the fundamental principles of investing taught in the spirit of Ben Graham, billionaire Warren Buffett’s mentor! » Horace Mann Middle School, 2820 Union Ave., Room 125 » Adam Ryback (262) 691-2013, aryback@kevinbayinvestments.com
6:15 – 7:15 p.m. You and Your Credit Report Sponsored by Consumer Credit Counseling Service Learn what a credit report contains and how this information is used by creditors to determine whether or not you will be considered for a loan. Find out who the three major credit bureaus are and how to obtain a free copy of your credit report. » Horace Mann Middle School, 2820 Union Ave., Room 126 » Lisa Arneson (920) 458-3784, larneson@cccsonline.org
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Horace Mann Middle School | 2820 Union Avenue • Sheboygan 7:30 – 8:30 p.m. Seven Steps for Financial Success Sponsored by Consumer Credit Counseling Service Learn the 7 basic steps to financial success from visualizing success to accomplishing your goals. » Horace Mann Middle School, 2820 Union Ave., Room 126 » Lisa Arneson (920) 458-3784, larneson@cccsonline.org
that are available. » Horace Mann Middle School, 2820 Union Ave., Room 123 » Lacey Busse (920) 693-8256, lbusse@bankatcsb.com 6:15 – 7:15 p.m. Meet Penny the Pig Sponsored by Consumer Credit Counseling Service Penny is a unique piggy bank that will help teach your children about spending and saving money. The program is for parents and their children from ages 3-10. All children attending with a parent will receive Penny the Pig banks. » Horace Mann Middle School, 2820 Union Ave., Room 124 » Jeannine Folan (920) 458-3784, jfolan@cccsonline.org
7:30 – 8:30 p.m. Annuities: Peace of Mind or Costly Mistake Sponsored by Veritas Financial Services LLC The proliferation of annuity products over the past 10 years has been nothing short of amazing. This presentation will go over the considerations you must weigh to make sure your investment decisions are based on facts and logic, not fear of the market. We will show you methods to calculate the true rate of return promised by many of these products. » Horace Mann Middle School, 2820 Union Ave., Room 128 » Margaret Wittkopp (920) 893-5262, margaret.wittkopp@veritasinvesting.com
6:15 – 7:15 p.m. Dealing with Student Loans Sponsored by Consumer Credit Counseling Service Learn important information on the financial aid process, options that are available to parents and students to pay for education, and how to manage student loans. This class will cover critical information that will prove to be valuable as you embark on this journey. » Horace Mann Middle School, 2820 Union Ave., Room 125 » Ken King (920) 458-3784, kking@cccsonline.org
Wednesday, April 24 5 – 6 p.m. Don’t Forget Your Home Inspection Sponsored by 4 Square Home Inspections, LLC Important information you should know “before” buying or selling your home. » Horace Mann Middle School, 2820 Union Ave., Room 123 » Greg Liebig, Certified Home Inspector (920) 451-4646, greg@4squarehi.com
6:15 – 7:15 p.m. Love and Money: a Relationship Challenge Sponsored by Matt Raunio and Maureen O‘ Shea Money problems often are a major source of disagreement in a couple’s relationship. We’ll talk about how our differing money styles and values may lead to unnecessary strain between couples and damage their relationship as well as their finances. Dealing with money issues within the context of a relationship doesn’t mean just focusing on financial skills and options, but must also include communication and relationship skills so that both partners can participate in finding a solution that works for both of them. » Horace Mann Middle School, 2820 Union Ave., Room 126 » Matt Raunio (920) 459-6640, matthew.raunio@uwc.edu
5 – 6 p.m. Living on a Fixed Income Sponsored by Consumer Credit Counseling Service Living on a fixed income is not easy, but there are ways to save money every day. Here’s how you can stick to that tight budget and still save for that rainy day! » Horace Mann Middle School, 2820 Union Ave., Room 124 » Jeannine Folan (920) 458-3784, jfolan@cccsonline.org
7:30 – 8:30 p.m. Common Sense Ways to Save Sponsored by Consumer Credit Counseling Service We all can save money, but why and how are the questions. Learn different ways of approaching savings and how to start a savings habit. » Horace Mann Middle School, 2820 Union Ave., Room 124 » Jeannine Folan (920) 458-3784, jfolan@cccsonline.org
5 – 6 p.m. Your Financial Aid Journey in 5 Steps Sponsored by Wells Fargo Education Financial Services Learn the 5 steps to estimate your total education costs and your financing options. This is a “must attend” session for parents and anyone pursuing higher education. » Horace Mann Middle School, 2820 Union Ave., Room 125 » Jane Lemke (920) 996-2231, jane.a.lemke@wellsfargo.com
7:30 – 8:30 p.m. Health Insurance: Are You Paying Too Much? Sponsored by Insurance Solutions Many people today feel they are paying too much for their health insurance coverage. The truth is — they probably are — according to the “80/20” rule of insurance. On average, 80 percent of any group’s costs are spent by only 20 percent of
6:15 – 7:15 p.m. How to Qualify for a Home Loan Sponsored by Cleveland State Bank Learn what is needed to qualify for a home loan and what to expect when applying for a loan. This class will also cover the home buying “decision process” and the different loan programs
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Horace Mann Middle School | 2820 Union Avenue • Sheboygan 5 – 6 p.m. So You Have a 401(k) Plan Sponsored by Pamela Otten, LLC Your company has a 401(k) retirement plan you can participate in. You have no clue what to do with it. It’s not as complicated as you may think. And your comfortable retirement depends on making smart decisions. Learn what to do, and what not to do, including the biggest mistakes investors make with their 401(k) retirement plans. Taught by Pamela Otten, the Financial Mom. » Horace Mann Middle School, 2820 Union Ave., Room 128 » Pam Otten (920) 459-8933, info@pamelaotten.com
the group. Translated another way, only 1 in 5 of us may truly be getting a good return on the premium we are paying. This class will help you evaluate your options, including the new Health Exchange options and how to maximize your ROI of health insurance premiums. » Horace Mann Middle School, 2820 Union Ave., Room 126 » Paulette Ruminski (920) 268-1600, paulette@insurancesolutions-wi.com
Thursday, April 25 5 – 6 p.m. Resumes for Today’s Job Market Sponsored by Great Lakes Training & Development Corporation This class will discuss the basics of a good resume for today’s job market, the do’s and don’ts, and the importance of including social media as part of your branding “sales package.” » Horace Mann Middle School, 2820 Union Ave., Room 123 » Linda Rauwerdink (920) 208-5817 linda.rauwerdink@gotoltc.edu
6:15 – 7:15 p.m. How to be a S.T.A.R. in Your Interview Sponsored by Great Lakes Training & Development Corp. Attend this presentation to obtain interviewing techniques to help you “shine” with confidence and win over the interviewer and land the job. » Horace Mann Middle School, 2820 Union Ave., Room 123 » Linda Rauwerdink (920) 208-5817 linda.rauwerdink@gotoltc.edu 6:15 – 7:15 p.m. Social Security Disability Sponsored by Wurtz, Roth, & Basler, S.C. This presentation will provide a general overview of disability claims and the appeals process. » Horace Mann Middle School, 2820 Union Ave., Room 124 » Attorney Mark E. Wurtz (920) 457-5097
5 – 6 p.m. Your Money and the Market: What the Media Missed Sponsored by H.C. Denison Company Consumers have been bombarded by a negative stream of news from various media outlets predicting economic Armageddon. In this informative, eye-opening seminar, Robert J. Kuehl dispels these doomsday reports with underreported factual data, arming attendees with valuable insights that will lead to “money smart” decisions and a positive disposition. » Horace Mann Middle School, 2820 Union Ave., Room 124 » Robert J. Kuehl, CFP & Vice President - H.C. Denison (920) 457-9451, rkuehl@hcdenison.com
6:15 – 7:15 p.m. How to Get Out of Debt Faster Sponsored by Consumer Credit Counseling Service Learn how to develop a simple plan to get debt free. Learn the simple strategies you can use to pay off your debt faster and the keys to financial freedom. » Horace Mann Middle School, 2820 Union Ave., Room 125 » Ken King (920) 458-3784, kking@cccsonline.org
5 – 6 p.m. Making Dreams Come True Sponsored by Consumer Credit Counseling Service We all want the most out of life. Learn how to change your outlook on life and make your dreams come true. It’s not just about setting goals; it’s about making things happen! » Horace Mann Middle School, 2820 Union Ave., Room 125 » Ken King (920) 458-3784, kking@cccsonline.org
6:15 – 7:15 p.m. Long Term Care: the Overlooked Risk Sponsored by Insurance Solutions Many people put off thinking about long term care, however, delaying your decision could be costly to you and your family. Learn about the programs, such as the Wisconsin Partnership Plan and tax deductions available today to assist in protecting you and your nest egg. » Horace Mann Middle School, 2820 Union Ave., Room 126 » Paulette Ruminski (920) 268-1600, paulette@insurancesolutions-wi.com
5 – 6 p.m. Medicare & You Sponsored by Insurance Solutions This class will discuss the federal Medicare program - what it pays for and what it doesn’t pay for. We will also explore options to fill in the gaps of Medicare coverage and how to get the most from your health care dollars. » Horace Mann Middle School, 2820 Union Ave., Room 126 » Dorcas George (920) 268-1600, dorcas@insurancesolutions-wi.com
6:15 – 7:15 p.m. Investing 101: How to Get Started as an Investor Sponsored by Pamela Otten, LLC If you don’t know what a stock or bond or mutual fund is, this class is for you. Investing 101 will continued on page 9
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Horace Mann Middle School | 2820 Union Avenue • Sheboygan cover different types of investments, what they are used for, and different types of investment accounts to put them in. Investing 101 also will cover important investing concepts, including common investor mistakes, risk, time horizon, and investor behavior. Taught by Pamela Otten, the Financial Mom. » Horace Mann Middle School, 2820 Union Ave., Room 128 » Pam Otten (920) 459-8933, info@pamelaotten.com
rule of insurance. On average, 80 percent of any group’s costs are spent by only 20 percent of the group. Translated another way — only 1 in 5 of us may truly be getting a good return on the premium we are paying. This class will help you evaluate your options, including the new Health Exchange options and how to maximize your ROI of health insurance premiums. » Horace Mann Middle School, 2820 Union Ave., Room 126 » Paulette Ruminski (920) 268-1600, paulette@insurancesolutions-wi.com
7:30 – 8:30 p.m. Understanding Your Tax Assessment Sponsored by Consumer Credit Counseling Service What is your home really worth? Have you received your tax notice and don’t feel your home is fairly assessed? Learn what the difference is between assessed and appraised value and how to appeal the assessment to the local assessor. » Horace Mann Middle School, 2820 Union Ave., Room 125 » Ken King (920) 458-3784, kking@cccsonline.org
7:30 – 8:30 p.m. How to be an Intelligent Investor Sponsored by Pamela Otten LLC A more in-depth investing class that covers questions such as: ■ How are you making your investment decisions? ■ How do you know you are choosing the right investments for you, even in your 401(k)? ■ How do you know if your investments are doing well? Learn how to be an intelligent investor with Pamela Otten, the Financial Mom. » Horace Mann Middle School, 2820 Union Ave., Room 128 » Pam Otten (920) 459-8933, info@pamelaotten.com
7:30 – 8:30 p.m. Health Insurance: Are You Paying Too Much? Sponsored by Insurance Solutions Many people today feel they are paying too much for their health insurance coverage. The truth is — they probably are — according to the “80/20”
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Money Smart Week April 20 - 27, 2013 H. C. DENISON CO.
Located at Community Bank & Trust! Mary Ryan Investment Executive 920-459-4444 Securities and advisory services offered through Cetera Investment Services LLC, member FINRA/SIPC. Investments are: • Not FDIC/NCUSIF insured • May lose value • Not financial institution guaranteed • Not a deposit • Not insured by any federal government agency. Cetera is under separate ownership from any other named entity.
Serving Investors Since 1928 618 N. 7th Street, Sheboygan, WI 53081 (920) 457-9451 • 800-247-8025
Member SIPC
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www.hcdenison.com
Member FINRA
Mead Public Library 710 North 8th Street • Sheboygan
Tuesday, April 23
You Made a Million,” based on the book written by David M. Schwartz and illustrated by Steven Kellogg. Have you ever dreamed of making a million dollars? Then this movie is for you! Join Marvelosissimo, the Mathematical Magician, as he explains the various forms of money, the world of work, and other simple financial concepts. This fun film is a whimsical introduction to counting, earning, spending and saving money. » Mead Public Library, 710 North 8th St., Children’s Story Garden (3rd floor) » Susan Durant (920) 459-3400 ext. 3433, susan.durant@meadpubliclibrary.org
5 – 6 p.m. 5 Foundations of a Lifetime Income Sponsored by Thrivent Financial for Lutherans Will your money last as long as your retirement? This session will discuss the financial effects of living longer and healthier lives in retirement. We’ll also share how you can develop and implement an income strategy that will last through your retirement years. Come and hear some meaningful perspectives that can help guide your financial future. » Mead Public Library, 710 North 8th St., Rocca Room » Bart Malcomson, professional development manager, east Wisconsin and upper Michigan region (920) 851-0688, jenny.rohan@thrivent.com
10:30 – 11 a.m. Preschool Story Time Sponsored by Mead Public Library Story time will feature books about money and math and will include a showing of the movie “If You Made a Million,” based on the book written by David M. Schwartz and illustrated by Steven Kellogg. Have you ever dreamed of making a million dollars? Then this movie is for you! Join Marvelosissimo, the Mathematical Magician, as he explains the various forms of money, the world of work, and other simple financial concepts. This fun film is a whimsical introduction to counting, earning, spending and saving money. » Mead Public Library, 710 North 8th St., Children’s Story Garden (3rd floor) » Susan Durant (920) 459-3400 ext. 3433, susan.durant@meadpubliclibrary.org
6:15 – 7:15 p.m. Defense Wins Championships! Life Insurance in the Financial Planning Process Sponsored by Brian Gesch State Farm Insurnace We are living in turbulent financial times and investment options receive a great deal of attention in our financial press—and they should! While offense is always a bit more interesting than defense, life insurance is often the last defense in times of economic and personal trauma. This class will explore the basics of life insurance and its place in comprehensive financial plans. The following topics will be covered: ■ What is life insurance? ■ What are the types of life insurance and how do they work? ■ How much life insurance do you need? » Mead Public Library, 710 North 8th St., Rocca Room » Brian Gesch (920) 668-6214, brian.gesch.b1c2@statefarm.com
3:30 – 4:30 p.m. Meet Penny the Pig Sponsored by Consumer Credit Counseling Service Penny is a unique piggy bank that will help teach your children about spending and saving money. The program is for parents and their children from ages 3-10. All children attending with a parent will receive Penny the Pig banks. » Mead Public Library, 710 North 8th St., Children’s Story Garden (3rd floor) » Ken King (920) 458-3784, kking@cccsonline.org
7:30 – 8:30 p.m. Probate, Trusts, and Securing My Assets Sponsored by Wurtz, Roth, & Basler, S.C. Do I need a trust to avoid probate? How can I transfer my home and retain my rights? How do I save my assets for my family? Have an Attorney explain it for you. » Mead Public Library, 710 North 8th St., Rocca Room » Attorney Michael Roth (920) 457-5097
4:30 – 5 p.m. Preschool Movie Program Sponsored by Mead Public Library Children and their parents are invited to attend a free movie, “If You Made a Million,” based on the book written by David M. Schwartz and illustrated by Steven Kellogg. Have you ever dreamed of making a million dollars? Then this movie is for you! Join Marvelosissimo, the Mathematical Magician, as he explains the various forms
Wednesday, April 24 9:30 – 10 a.m. Preschool Story Time Sponsored by Mead Public Library Story time will feature books about money and math and will include a showing of the movie “If
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Mead Public Library | 710 North 8th Street • Sheboygan Thursday, April 25
of money, the world of work, and other simple financial concepts. This fun film is a whimsical introduction to counting, earning, spending and saving money. » Mead Public Library, 710 North 8th St., Children’s Story Garden (3rd floor) » Susan Durant (920) 459-3400 ext. 3433, susan.durant@meadpubliclibrary.org
6:30 – 7 p.m. Family Story Time Sponsored by Mead Public Library Story time will feature books about money and math and will include a showing of the movie “If You Made a Million,” based on the book written by David M. Schwartz and illustrated by Steven Kellogg. Have you ever dreamed of making a million dollars? Then this movie is for you! Join Marvelosissimo, the Mathematical Magician, as he explains the various forms of money, the world of work, and other simple financial concepts. This fun film is a whimsical introduction to counting, earning, spending and saving money. » Mead Public Library, 710 North 8th St., Children’s Story Garden (3rd floor) » Susan Durant (920) 459-3400 ext. 3433, susan.durant@meadpubliclibrary.org
4 – 5 p.m. Money Matters for Teens Sponsored by Consumer Credit Counseling Service It is essential in today’s fast moving society to have a working knowledge of the fundamentals of money management. This presentation will cover valuable tools and tips to help teens get started on the “right foot” financially. » Mead Public Library, 710 North 8th St., Maas Teen Learning Center (3rd floor) » Matt Kautzer (920) 458-3784, mkautzer@cccsonline.org
Generations
1500 Douglas Drive • Plymouth Find out who the three major credit bureaus are and how to obtain a free copy of your credit report. » Generations, 1500 Douglas Dr., Room B » Matt Kautzer (920) 458-3784, mkautzer@cccsonline.org
Monday, April 22 5 – 6 p.m. Individual Retirement Accounts and Tax Sheltered Annuities Sponsored by Kohler Credit Union This presentation will go through the use of IRAs and TSAs in retirement income planning. It is also setup to give you strategies to potentially reduce your tax burdens in retirement. » Generations, 1500 Douglas Dr., Room B » Thomas Binversie, Financial Advisor (920) 783-2311, tbinversie@kohlercu.com
Tuesday, April 23 5 – 6 p.m. Dealing with Student Loans Sponsored by Consumer Credit Counseling Service Learn important information on the financial aid process, options that are available to parents and students to pay for education, and how to manage student loans. This class will cover critical information that will prove to be valuable as you embark on this journey. » Generations, 1500 Douglas Dr., Room B » Ken King (920) 458-3784, kking@cccsonline.org
6:15 – 7:15 p.m. Money Personalities Sponsored by Consumer Credit Counseling Service Do you know your money personality? Come and learn about the different money personalities in this fun and interactive session. This will help you determine which money personality fits you and how that works in your family situation and lifestyle. » Generations, 1500 Douglas Dr., Room B » Ken King (920) 458-3784, kking@cccsonline.org
6:15 – 7:15 p.m. Building Business Blocks Sponsored by Lakeshore Technical College’s Center For Entrepreneurship Starting your own business? ■ Understand what qualities are needed to become a successful entrepreneur ■ Determine if you have an idea that will work ■ Understand the first steps you need to take to start a business
7:30 – 8:30 p.m. You and Your Credit Report Sponsored by Consumer Credit Counseling Service Learn what a credit report contains and how this information is used by creditors to determine whether or not you will be considered for a loan.
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Generations | 1500 Douglas Drive • Plymouth ■ Learn about local resources that can help you If you ever thought of starting your own business, this class is for you! » Generations, 1500 Douglas Dr., Room B » Kristin Bell Abell (920) 693-1658, kristin.abell@gotoltc.edu
Thursday, April 25 11:30 a.m. – 12:15 p.m. Protecting Your Assets Sponsored by Veritas Financial Services LLC As important as accumulating wealth is, we also have to know how to protect it. Threats to your financial life come in all shapes and forms: from disability, death, criminal acts, and even longevity itself. In this class we will take a broad look at these topics and provide you with some important points to think about in protecting your assets. » Generations, 1500 Douglas Dr., Room B » Jeremy Burri (920) 893-5262, jburri@veritasinvesting.com
7:30 – 8:30 p.m. How to Qualify for a Home Loan Sponsored by Cleveland State Bank Learn what is needed to qualify for a home loan and what to expect when applying for a loan. This class will also cover the home buying “decision process” and the different loan programs that are available. » Generations, 1500 Douglas Dr., Room B » Lacey Busse (920) 693-8256, lbusse@bankatcsb.com
12:15 – 1 p.m. Living on a Fixed Income Sponsored by Consumer Credit Counseling Service Living on a fixed income is not easy, but there are ways to save money every day. Here’s how you can stick to that tight budget and still save for that rainy day! » Generations, 1500 Douglas Dr., Room B » Matt Kautzer (920) 458-3784, mkautzer@cccsonline.org
Wednesday, April 24 5 – 6 p.m. Myths and Truths of Investing Sponsored by Veritas Financial Services LLC This presentation looks at the still widely held myths of the investment community and the true story of investing from an academic standpoint. We will also discuss the warning signs that you are actually gambling and speculating with your portfolio versus prudently investing. » Generations, 1500 Douglas Dr., Room B » Jeremy Burri (920) 893-5262, jburri@veritasinvesting.com
1 – 1:45 p.m. Medicare: What’s it Going to Cost Me? Sponsored by Sheboygan County Aging & Disability Resource Center What you need to know about Medicare part A, B, C, and D. » Generations, 1500 Douglas Dr., Room B » Pat Haferman (920) 467-4076, haferpmh@co.sheboygan.wi.us
6:15 – 7:15 p.m. The Dark Side of Investing Sponsored by Veritas Financial Services LLC Did you know that costs are one of the best determinants of portfolio performance, yet investors are in the dark regarding what they are actually paying. Compounding the issue is that many of these costs are hidden. This class will shed light on the many costs associated with investing and how to reduce them. » Generations, 1500 Douglas Dr., Room B » Jeremy Burri (920) 893-5262, jburri@veritasinvesting.com
1:45 – 2:30 p.m. Couponing 101 Boot Camp Sponsored by Jenni Stein Learn the “boot camp basics” of everyday couponing and saving money. Learn tips on how to save your family at least 50 percent on your food budget by using coupons, watching sales and comparing pricing. Attendees do not need any previous coupon skills. Attendees will be able to apply concepts immediately to save their family money. This class is for anyone looking to stretch their food budget and trim out any excess spending (this is not extreme couponing). » Generations, 1500 Douglas Dr., Room B » Jenni Stein (920) 207-7838, jenniraestein@yahoo.com
7:30 – 8:30 p.m. Annuities: Peace of Mind or Costly Mistake Sponsored by Veritas Financial Services LLC The proliferation of annuity products over the past 10 years has been nothing short of amazing. This presentation will go over the considerations you must weigh to make sure your investment decisions are based on facts and logic, not fear of the market. We will show you methods to calculate the true rate of return promised by many of these products. » Generations, 1500 Douglas Dr., Room B » Jeremy Burri (920) 893-5262, jburri@veritasinvesting.com
5 – 6 p.m. Common Sense Ways to Save Sponsored by Consumer Credit Counseling Service We all can save money, but why and how are the questions. Learn different ways of approaching savings and how to start a savings habit. » Generations, 1500 Douglas Dr., Room B » Lisa Arneson (920) 458-3784, larneson@cccsonline.org continued on page 13
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Generations | 1500 Douglas Drive • Plymouth 6:15 – 7:15 p.m. 5 Foundations of a Lifetime Income Sponsored by Thrivent Financial for Lutherans Will your money last as long as your retirement? This session will discuss the financial effects of living longer and healthier lives in retirement. We’ll also share how you can develop and implement an income strategy that will last through your retirement years. Come and hear some meaningful perspectives that can help guide your financial future. » Generations, 1500 Douglas Dr., Room B » Bart Malcomson, professional development manager, east Wisconsin and upper Michigan region (920) 851-0688, jenny.rohan@thrivent.com
7:30 – 8:30 p.m. Scams and Schemes to Get Your Money Sponsored by Consumer Credit Counseling Service Everyone wants your money! What do you have to do to protect yourself? Learn about various scams and schemes that are used to try to get your money, including telemarketing and mail. Learn some simple prevention habits and precautions to take to protect yourself. » Generations, 1500 Douglas Dr., Room B » Matt Kautzer (920) 458-3784, mkautzer@cccsonline.org
Cedar Grove Public Library 131 West Van Altena Avenue • Cedar Grove
Thursday, April 25
Friday, April 26
4 – 5 p.m. Meet Penny the Pig Sponsored by Consumer Credit Counseling Service Penny is a unique piggy bank that will help teach your children about spending and saving money. The program is for parents and their children from ages 3-10. All children attending with a parent will receive Penny the Pig banks. » Cedar Grove Public Library, 131 West Van Altena Ave. » Jeannine Folan (920) 458-3784, jfolan@cccsonline.org
10 – 10:35 a.m. Preschool Story Time Sponsored by Cedar Grove Public Library Story time will feature books about money and math and will include a book called “A Dollar for Penny” which introduces counting and earning money. The first 20 families will receive a complimentary copy of the book. » Cedar Grove Public Library, 131 West Van Altena Ave. » Nicole Linnaugh (920) 668-6834
Lakeview Community Library 112 Butler Street • Random Lake
Thursday, April 25
math and will include a book called “A Dollar for Penny” which introduces counting and earning money. The first 20 families will receive a complimentary copy of the book. » Lakeview Community Library, 112 Butler St., Random Lake » Darla Jean Krause (920) 994-4825
10 – 10:35 a.m. Preschool Story Time Sponsored by Lakeview Community Library Story time will feature books about money and
Oostburg Public Library 213 North 8th Street • Oostburg
Thursday, April 25
math and will include a book called “A Dollar for Penny” which introduces counting and earning money. The first 20 families will receive a complimentary copy of the book. » Oostburg Library, 213 North 8th Street, Oostburg » Trixine Tahtinen (920) 564-2934
10:30 – 11:15 a.m. Preschool Story Time Sponsored by Oostburg Public Library Story time will feature books about money and
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Senior Meal Sites
Adell • Cedar Grove • Howards Grove • Oostburg • Plymouth • Sheboygan • Sheboygan Falls
Cedar Grove – Monday, April 15
Adell – Thursday, April 25
10:30 – 11:15 a.m. Preventing Financial Elder Abuse Sponsored by Sheboygan County Health & Human Services Learn ways to protect yourself and others from financial elder abuse. Do you think that someone is spending an elderly persons’ money without their knowledge or understanding of what is happening? This class will help identify different types of financial elder abuse, how to report it, and how to prevent it. » First Reformed Church, 237 S. Main St., Cedar Grove » Christine Freund (920) 467-4120, hinricah@co.sheboygan.wi.us
11:30 a.m. – noon Scams and Schemes to Get Your Money Sponsored by Consumer Credit Counseling Service Everyone wants your money! What do you have to do to protect yourself? Learn about various scams and schemes that are used to try to get your money, including telemarketing and mail. Learn some simple prevention habits and precautions to take to protect yourself. » 510 Seifert St., Adell » Lisa Arneson (920) 458-3784, larneson@cccsonline.org
Plymouth – Thursday, April 25
Sheboygan Falls – Monday, April 22
11:30 a.m. – 12:15 p.m. Protecting Your Assets Sponsored by Veritas Financial Services LLC As important as accumulating wealth is, we also have to know how to protect it. Threats to your financial life come in all shapes and forms: from disability, death, criminal acts, and even longevity itself. In this class we will take a broad look at these topics and provide you with some important points to think about in protecting your assets. » Generations, 1500 Douglas Dr., Plymouth, Room B » Jeremy Burri (920) 893-5262, jburri@veritasinvesting.com
11:15 a.m. – noon Reverse Mortgage … is it Right for You? Sponsored by Cherry Creek Mortgage Explore how a reverse mortgage works and whether it is right for your financial situation. » 650 Forest Ave., Sheboygan Falls » Peggy Ayers (920) 457-5626, payers@ccmclending.com
Howards Grove – Tuesday, April 23 11:10 a.m. – noon Living on a Fixed Income Sponsored by Consumer Credit Counseling Service Living on a fixed income is not easy, but there are ways to save money every day. Here’s how you can stick to that tight budget and still save for that rainy day! » Village Hall, 913 South Wisconsin Dr., Howards Grove » Jeannine Folan (920) 458-3784, jfolan@cccsonline.org
12:15 – 1 p.m. Living on a Fixed Income Sponsored by Consumer Credit Counseling Service Living on a fixed income is not easy, but there are ways to save money every day. Here’s how you can stick to that tight budget and still save for that rainy day! » Generations, 1500 Douglas Dr., Plymouth, Room B » Matt Kautzer (920) 458-3784, mkautzer@cccsonline.org
Oostburg – Wednesday, April 24
1 – 1:45 p.m. Medicare: What’s it Going to Cost Me? Sponsored by Sheboygan County Aging & Disability Resource Center What you need to know about Medicare part A, B, C, and D. » Generations, 1500 Douglas Dr., Plymouth, Room B » Pat Haferman (920) 467-4076, haferpmh@co.sheboygan.wi.us
10:45 – 11:30 a.m. Preventing Financial Elder Abuse Sponsored by Sheboygan County Health & Human Services Learn ways to protect yourself and others from financial elder abuse. Do you think that someone is spending an elderly persons’ money without their knowledge or understanding of what is happening? This class will help identify different types of financial elder abuse, how to report it, and how to prevent it. » Civic Center, 213 North 8th St., Oostburg » Christine Freund (920) 467-4120, hinricah@co.sheboygan.wi.us
1:45 – 2:30 p.m. Couponing 101 Boot Camp Sponsored by Jenni Stein Learn the “boot camp basics” of everyday couponing and saving money. Learn tips on how continued on page 15
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Senior Meal Sites to save your family at least 50 percent on your food budget by using coupons, watching sales and comparing pricing. Attendees do not need any previous coupon skills. Attendees will be able to apply concepts immediately to save their family money. This class is for anyone looking to stretch their food budget and trim out any excess spending (this is not extreme couponing). » Generations, 1500 Douglas Dr., Plymouth, Room B » Jenni Stein (920) 207-7838, jenniraestein@yahoo.com
3 THE GLORYYEARS 4
Tom Leibham Oostburg
Larry LeMahieu Oostburg
Steve Wisse Cedar Grove
Rachel Weavers Oostburg
Nancy Huenink Oostburg
Denise Kussard Cedar Grove
Sheboygan – Thursday, April 25
MoneySmartWeek.org
11 – 11:45 a.m. Reverse Mortgage — is it Right for You? Sponsored by Cherry Creek Mortgage Explore how a reverse mortgage works and whether it is right for your financial situation. » Zion Church, 1125 North 6th St., Sheboygan » Peggy Ayers (920) 457-5626, payers@ccmclending.com
Do you remember the glory years of banking, when telephone calls were answered by people, decisions were made locally by the person sitting across the desk from you, and rates and fees were fair? The glory years are easy to remember at Oostburg State Bank because they never actually left. Oostburg State Bank has the ability to treat each customer as an individual and take care of their needs directly, along with providing the products and services you expect.
Modern Banking... the Old Fashioned Way
564-2336 668-6216
OOSTBURGBANK.COM WI-5001580168
United One Credit Union Sheboygan
Ongoing events Credit Report Analysis Sponsored by United One Credit Union Visit one of our offices for a free credit report analysis Monday – Friday, between 9 a.m. – 5 p.m. (April 22 – 26). No appointment needed. A lender
will help you look at your credit report and find ways to save money. » United One Credit Union offices (2122 Superior Ave. or 3509 Washington Ave., Sheboygan) » Sheila Mork, (920) 694-3906, smork@UnitedOne.org
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...in owning your own home.
Becca Koene NMLS #503490
Sue Petska NMLS #457065
920.783.2509 Sheboygan Area bkoene@kohlercu.com
920.783.2326 Sheboygan Area spetska@kohlercu.com
Jon Jagemann NMLS #445876 920.783.2510 Plymouth Area jjagemann@kohlercu.com
Apply for your home loan online 24/7 at www.kohlercu.com!