Money Smart Week - Sheboygan 2014 by Gannett Wisconsin Media

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Governor’s Council on Financial Literacy Governor’s Council on Financial Literacy Governor’s Council on Financial Literacy State of Wisconsin Scott Walker, GovernorState of Wisconsin State of Wisconsin Scott Walker, Governor Scott Walker, Governor

Dear Friends,

Dear Friends, I am pleased to write this message of support for the 2014 Money Smart Week Wisconsin, I am pleased to write this message of support the 201of 4 Money Smart Week Wisconsin, I am pleased this for message the 201 Money Smart Week Wisconsin, communities across support the state.forMore than4 30 organizing scheduled for April 5-12 in dozenstoofwrite scheduled for Aprilscheduled 5-12 in dozens of organizing communities across the state. More than 30 for April 5-12 Smart in dozens of events communities across the state. More than 30 organizing committees are planning hundreds of Money Week with the assistance of committees are planning hundreds of Money Smart Week events with the assistance of committees are planning hundreds of Money SmarttoWeek events with the assistance of Wisconsin consumers learn about a myriad thousands of volunteers. These events will allow thousands of volunteers. These events will allow Wisconsin consumers to learn about a myriad thousands of volunteers. These events will allow Wisconsin consumers to learn about a myria to insurance to planning for retirement. of financial topics ranging from family budgeting of financial topics ranging from family budgeting to insurance to planning for retirement. of financial topics ranging from family budgeting to insurance to planning for retirement. Governor Walker andand I are join the theGovernor’s Governor’sCouncil Council Financial Governor Walker I arepleased pleasedtotobe beable able to join onon Financial Governor Walker Institutions, and I are pleased to beother ableorganizers to join theinGovernor’s Council on Financial Literacy, Department Financial Institutions, and support of of Literacy, thethe Department ofofFinancial andmany many other organizers in support and many other in support of Literacy, theisisDepartment ofkey Financial Institutions, rt Week. Education definitely the the to survival and success in these Money rt Week. Education definitely key tofinancial financial survival and success in organizers these Money SmaSma Money SmaThrough rtThrough Week.the Education isthe definitely the key to financial survival and success in these changing economic times. the efforts of everMoney Week Wisconsin changing economic times. efforts of the everMoneySmart Smart Week Wisconsin weekorganization hundreds partners, educational abound thisthis of during theduring ever-changing Money Smart Week Wisconsin economic times.opportunities Through thewill efforts abound weekopportunities will organization andand hundreds ofofpartners, educational focus personal finance. and hundreds of partners, educational opportunities will abound during this wee organization longlong focus on on personal finance. long focus on personal finance. On behalf of the Governor’s Council on Financial Literacy, I encourage all Wisconsinites to On behalf of the Governor’s Council on Financial Literacy, I encourage all Wisconsinites to improve their financial well-being by taking part in the Money Smart Week activities in their all Wisconsinites to Onwell-being behalf of the Council on Financial Literacy, I encourage improve their financial by Governor’s taking Money Smart Week held inpart 2006ininthe Wisconsin, truly makes aactivities differencein intheir the communities. This annual event, first improve theirfirst financial well-being by taking truly part inmakes the Money Smart in Week communities. This annual event, held in 2006 in Wisconsin, a difference the activities in their lives of many Wisconsin residents. communities. lives of many Wisconsin residents.This annual event, first held in 2006 in Wisconsin, truly makes a difference in t lives of many residents. I hope you and your families will Wisconsin take advantage of the wonderful programs that will be made I hope you and youroffamilies will take advantage of the wonderful programs that will be made available as part Money Smart Week. I hope Smart you and your families will take advantage of the wonderful programs that will be mad available as part of Money Week. available as part of Money Smart Week. Sincerely, Sincerely, Sincerely, Tonette Walker First Lady of Wisconsin Tonette Walker Governor’s Council on Financial Literacy Ambassador,

Tonette Walker First Lady of Wisconsin First Council Lady of Wisconsin Ambassador, Governor’s on Financial Literacy Ambassador, Governor’s Council on Financial Literacy WI Department of Financial Institutions, Office of Financial Literacy Courier: 201 W. Washington Ave. Ste. 300, Madison, WI 53703 Mail: PO Box 7846, Madison, WI 53707-7846 ax: (608) 267-6813 TTY: (608) 266-8818 Internet:: www.wdfi.org w Voice: (608) 267-1713 Fax

WI Department of Financial Institutions, Office of Financial Literacy Courier: 201 W. Washington Ave. Ste. of 300 , Madison,Literacy WI 53703 Mail: PO Box 7846, Madison, WI 53707-7846 WI Department of Financial Institutions, Office Financial ax: (608) 267-6813 TTY: (608) 266-8818 Internet::201 www.wdfi.org w W. Washington Ave. Ste. 300, Madison, WI Voice: (608) 267-1713 Courier: Mail: PO BoxFax 7846, Madison, WI 53707-7846 ax: (608) 267-6813 TTY: (608) 266-8818 Internet:: www.wdfi.org w Voice: (608) 267-1713 Fax

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Horace Mann Middle School 2820 Union Avenue • Sheboygan

Monday, April 7 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. Working with an Investment Advisor … What to Consider Sponsored by Veritas Financial Services LLC The financial services industry can be very confusing. Broker, advisor, wealth manager, certified financial planner, Investment Representative... it can be almost impossible to tell who people are, who they work for, and what they do. In this class we’ll cut through all of the industry speak, and get to the core of the issues. We’ll examine what the all the titles mean, how professionals in the industry get compensated, their duties and standards, and the important issues to consider when working with and advisor. » Horace Mann Middle School, 2820 Union Ave., room 124 » Jeremy Burri (920) 893-5262, jburri@veritasinvesting.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 124 » Jeremy Burri (920) 893-5262, jburri@veritasinvesting.com 5 - 6 p.m. Understanding Marital Finances from a Divorce Attorney’s Perspective Sponsored by Rohde Dales LLP This session will cover key information on what both spouses should know about their finances. » Horace Mann Middle School, 2820 Union Ave., room 125 » Stephanie E. Malis (920) 458-5501, smalis@rohdedales.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 125 » Paulette Ruminski (920) 268-1600, paulette@insurancesolutions-wi.com

5 - 6 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 126 » Ken King (920) 458-3784, kking@cccsonline.org

6:15 - 7:15 p.m. Debit Cards & Credit Cards: How to Protect Yourself Sponsored by Consumer Credit Counseling Service Learn the difference between debit and credit cards and how to protect yourself from being the victim of identity theft. And, learn steps you should take if your personal information has been stolen. This is a “must see” class given all the recent data breaches that have occurred. » Horace Mann Middle School, 2820 Union Ave., room 126 » Ken King (920) 458-3784, kking@cccsonline.org

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. » Horace Mann Middle School, 2820 Union Ave., room 128 » Pam Otten (920) 459-8933, info@pamelaotten.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

6:15 - 7:15 p.m. Make Sure You Get a Mortgage You Can Afford Sponsored by Community Bank & Trust Are you ready to buy or refinance your dream

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The Educated Investor is a Better Investor. We bring Truth and Clarity to financial decisions faced by Investors. You want Honesty and Transparency disclosure; NOT another sales pitch. We offer 40 Years Expertise in the Financial World Margaret, Jeremy, Mark and Stephanie invite you to be an active participant in one of our many classes: The Myths and Truths of Investing Don’t be a Dumb Money Investor Planning for a Tax-Free Retirement Costs: The Dark Side of Investing Annuities: Peace of Mind or Costly Mistake? www.veritasinvesting.com veritasfinancial.blogspot.com www.facebook.com/veritasinvesting.com

Investment Advisor Representative

Registered Investment Advisor

Investment Advisor Representative

505 E. Mill St. Ste. 101 Plymouth, WI • 932 Main St. Ste. E Oshkosh, WI • Phone: 920-893-5262 • Fax: 920-893-5689

Horace Mann Middle School | 2820 Union Avenue • Sheboygan 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 Exchange (a new program through which to purchase health insurance) are a reality. This session will outline what the exchange is, how it will work, the levels of coverage, and why you may, or may not, choose to consider the exchange when purchasing health insurance coverage. » Horace Mann Middle School, 2820 Union Ave., room 125 » Paulette Ruminski (920) 268-1600, paulette@insurancesolutions-wi.com

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. » Horace Mann Middle School, 2820 Union Ave., room 128 » Pam Otten (920) 459-8933, info@pamelaotten.com 7:30 - 8:30 p.m. The Right Way to Buy a Car Sponsored by Sheboygan Area Credit Union Learn how to value the vehicle you want to purchase and your trade in. Learn the Do’s and Don’ts of car buying options. » Horace Mann Middle School, 2820 Union Ave., room 123 » Pam Madden (920) 459-5154, pmadden@shebareacu.com

7:30 - 8:30 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 126 » Ken King (920) 458-3784, kking@cccsonline.org

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 St. 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 124 » Jeremy Burri (920) 893-5262, jburri@veritasinvesting.com

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Horace Mann Middle School | 2820 Union Avenue • Sheboygan 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? » Horace Mann Middle School, 2820 Union Ave., room 128 » Pam Otten (920) 459-8933, info@pamelaotten.com

home today? New rules are in place for 2014. Know your options and understand homeownership with the new requirements of a Qualified Residential Mortgage. » Horace Mann Middle School, 2820 Union Ave., room 128 » Wendy Conto (920) 208-1111, wendyc@communitybankandtrust.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 123 » Jeannine Folan (920) 458-3784, jfolan@cccsonline.org

Tuesday, April 8 5 - 6 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 123 » Jeannine Folan (920) 458-3784, jfolan@cccsonline.org

6:15 - 7:15 p.m. Building Business Blocks Sponsored by Lakeshore Technical College’s Center For Entrepreneurship Starting your own business and not sure where to begin? • 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 • 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 124 » Kristin Bell Abell (920) 693-1658, kristin.abell@gotoltc.edu

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 124 » Mike Reinbold (920) 452-7711, mike@reinboldfh.com 5 - 6 p.m. Making Your 401(k) Work Harder Sponsored by Veritas Financial Services LLC Are you frustrated with your 401(k)? Seeming to go nowhere over time? Confused about your vast array of fund choices? In this class we look at the right, and wrong way to approach getting the most of out of your 401(k). » Horace Mann Middle School, 2820 Union Ave., room 125 » Jeremy Burri (920) 893-5262, jburri@veritasinvesting.com

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 125 » Jeremy Burri (920) 893-5262, jburri@veritasinvesting.com

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. 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

5 - 6 p.m. Make Sure You Get a Mortgage You Can Afford Sponsored by Community Bank & Trust Are you ready to buy or refinance your dream

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Horace Mann Middle School | 2820 Union Avenue • Sheboygan 6:15 - 7:15 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 128 » Craig Ader (920) 996-2231, craig.j.ader@wellsfargo.com

ney through the options when choosing to start your Social Security payments. It not always a straight forward decision. » Horace Mann Middle School, 2820 Union Ave., room 123 » Thomas Binversie, Financial Advisor (920) 783-2311, tbinversie@kohlercu.com 5 - 6 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 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 125 » Paulette Ruminski (920) 268-1600, paulette@insurancesolutions-wi.com

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 123 » Jeannine Folan (920) 458-3784, jfolan@cccsonline.org 7:30 - 8:30 p.m. A Hobby Farmer’s Business Plan Sponsored by Sheboygan Chamber of Commerce So, you want to make money by growing “crops”? So do I! However, it is not as easy as you might think. Hear the challenges in developing a hobby farm that might actually break even! Yes, you have to plan, plan, plan, and then re-work the plan. » Horace Mann Middle School, 2820 Union Ave., room 124 » John Rogers (920) 457-9491, john@sheboygan.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 125 » Jeremy Burri (920) 893-5262, jburri@veritasinvesting.com

5 - 6 p.m. Yard and Garden Makeovers on a Budget Sponsored by Rob Zimmer, Yard MD Tired of looking at the same old lawn and landscaping? I’ll show you some colorful, creative ways to give your yard and garden a makeover for next to nothing! Whether you are looking for a complete yard redo, or a few quick projects to spice up the landscape, I’ll have some great ideas for you. » Horace Mann Middle School, 2820 Union Ave., room 128 » Rob Zimmer (920) 993-1000, yardmd@postcrescent.com

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

Wednesday, April 9 5 - 6 p.m. Planning for Social Security Sponsored by Kohler Credit Union This presentation is geared to the soon to be retired or planning to retire person. It is a jour-

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Horace Mann Middle School | 2820 Union Avenue • Sheboygan 7:30 - 8:30 p.m. Rx: Get the Most Bang for Your Buck Sponsored by Sheboygan Health Mart Pharmacy Learn from an insider how to maximize your health care dollars at the pharmacy. » Horace Mann Middle School, 2820 Union Ave., room 128 » Cammy Jorstad, RPh (920) 459-7467, cjorstad.shmp@gmail.com

will be answered in this unique discussion of how non-traditional investing can make a difference in your financial life. » Horace Mann Middle School, 2820 Union Ave., room 123 » Greg Reineking (920) 451-6800, greineking@tfgplan.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 124 » Attorney Mark E. Wurtz (920) 457-5097

Thursday, April 10 5 - 6 p.m. Build a Resume That Makes Your Phone Ring! Sponsored by Great Lakes Training & Development Corporation What is the key to building a resume in this day and age? How you construct a resume for today’s job market is different from what you may have done in the past. This session will talk about tips to writing or updating your resume to get your telephone to ring! » Horace Mann Middle School, 2820 Union Ave., room 123 » Linda Rauwerdink (920) 208-5817 linda.rauwerdink@gotoltc.edu

6:15 - 7:15 p.m. Medicare: What You Need to Know 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 125 » Dorcas George (920) 268-1600, dorcas@insurancesolutions-wi.com

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

5 - 6 p.m. Don’t Bet Your Life On It … Sponsored by Veritas Financial Services LLC Overview of why life insurance is important, what it is, and different types of coverage. » Horace Mann Middle School, 2820 Union Ave., room 125 » Stephanie Alecos (920) 744-0010, stephanie@alecosinsurance.com

6:15 - 7:15 p.m. The Right Way to Buy a Car Sponsored by Sheboygan Area Credit Union Learn how to value the vehicle you want to purchase and your trade in. Learn the Do’s and Don’t’s of car buying options. » Horace Mann Middle School, 2820 Union Ave., room 123 » Pam Madden (920) 459-5154, pmadden@shebareacu.com

5 - 6 p.m. Medicare: What You Need to Know 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

7:30 - 8:30 p.m. Pulse of the Market: Changing & Challenging Times For Investors Sponsored by The Financial Group, Inc. Overview and insights of the things that really matter when it comes to investing in an uncertain world. Examination of various markets, economic cycles, risks, rewards, and how to manage your expectations. Play it too “safe” and you may be sorry! » Horace Mann Middle School, 2820 Union Ave., room 123 » Greg Reineking (920) 451-6800, greineking@tfgplan.com

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 continued on page 9

Horace Mann Middle School | 2820 Union Avenue • Sheboygan goals; it’s about making things happen! » Horace Mann Middle School, 2820 Union Ave., room 128 » Ken King (920) 458-3784, kking@cccsonline.org

embark on this journey. » Horace Mann Middle School, 2820 Union Ave., room 128 » Ken King (920) 458-3784, kking@cccsonline.org

6:15 - 7:15 p.m. The Key to a Successful Interview? Be Prepared! Sponsored by Great Lakes Training & Development Corporation Interviews are like the unknown world of employers and we never really know what to expect. This workshop will help you prepare for the unexpected. You will learn that being prepared, doing research, dressing properly and other great tips will put you a step closer to the job you want. » Horace Mann Middle School, 2820 Union Ave., room 123 » Gladys Godinez (920) 208-5817 gladys.godinez@gotoltc.edu

7:30 - 8:30 p.m. Intelligent Investing: What You Think You Know May Hurt You! Sponsored by Kevin Bay Investments Wondering what to do with your retirement plan? Looking to grow your assets for your children to go to college? Many investors, concerned with safely growing their assets, spend time understanding the basics. In this class you will have the rare opportunity to learn the fundamental principles of investing taught in the spirit of Benjamin Graham, billionaire Warren Buffett’s mentor! The class will use Benjamin Graham’s classic book, “The Intelligent Investor,” which Warren Buffett calls the best book on investing ever written, as a guide. » Horace Mann Middle School, 2820 Union Ave., room 123 » Adam Ryback (262) 691-2013, aryback@kevinbayinvestments.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 124 » Attorney Mark E. Wurtz (920) 457-5097

7:30 - 8:30 p.m. Estate Planning 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 125 » Attorney Michael Roth (920) 457-5097

6:15 - 7:15 p.m. Game Changers: Are Your Investments Prepared for Tomorrow’s Unknowns? Sponsored by The Financial Group, Inc. What if I were to tell you there are investors who have been successful over the past decade doing something quite different from traditional investing? Investors that have grown their assets in the face of this unprecedented volatility? Who are they and how can you pattern yourself after them will be answered in this unique discussion of how non-traditional investing can make a difference in your financial life. » Horace Mann Middle School, 2820 Union Ave., room 125 » Greg Reineking (920) 451-6800, greineking@tfgplan.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 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

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

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 128 » Ken King (920) 458-3784, kking@cccsonline.org

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

Generations

1500 Douglas Drive • Plymouth 5 - 6 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 Exchange (a new program through which to purchase health insurance) are a reality. This session will outline what the exchange is, how it will work, the levels of coverage, and why you may, or may not, choose to consider the exchange when purchasing health insurance coverage. » Generations, 1500 Douglas Dr., Plymouth, room B » Paulette Ruminski (920) 268-1600, paulette@insurancesolutions-wi.com

Tuesday, April 8 11:30 a.m. - 12:30 p.m. How Can I Afford to Get Old? Sponsored by Sheboygan County Aging & Disability Resource Center (ADRC) The Family Care and IRIS programs became available to residents in Sheboygan County in 2008. Part of the mission of the ADRC is to ensure that Sheboygan County residents are aware of the services and funding available to them through the Family Care and IRIS programs. There are eligibility requirements to be met in order to pursue these programs. Attend this session if you are interested in hearing more about your long term care options and whether you might be eligible for funding in long term care settings. » Generations, 1500 Douglas Dr., Plymouth, room B » Kelly Lee (920) 467-4178, kelly.lee@sheboygancounty.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). » Generations, 1500 Douglas Dr., Plymouth, room B » Jenni Stein (920) 207-7838, jenniraestein@yahoo.com

12:45 - 1:45 p.m. Funeral Pre-Planning Sponsored by Suchon Funeral Home This presentation will cover all aspects of funeral pre-planning. » Generations, 1500 Douglas Dr., Plymouth, room B » Sam Suchon (920) 893-9797 2 - 3 p.m. Medicare A, B, C, and D 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 Hafermann (920) 467-4076, patricia.hafermann@sheboygancounty.com

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 continued on page 11

Generations | 1500 Douglas Drive • Plymouth 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. » Generations, 1500 Douglas Dr., Plymouth, room B » Matt Kautzer (920) 458-3784, mkautzer@cccsonline.org

targets, and what measures can be taken to prevent id theft, and repair your good name. » Generations, 1500 Douglas Dr., Plymouth, room B » Mark Baumann (920) 980-0106, markl.baumann@gmail.com 6:15 - 7:15 p.m. Bad Things Happen to Good People Sponsored by Veritas Financial Services LLC Sometimes even good people run into trouble with the law through unforeseen circumstances. Unfortunately the legal system we have is neither cheap or completely unbiased. In this class we will look at some of the legal issues that may blindside the average law abiding citizen. » Generations, 1500 Douglas Dr., Plymouth, room B » Mark Baumann (920) 980-0106, markl.baumann@gmail.com

Thursday, April 10 11:30 a.m. - 12:30 p.m. Speculating vs. Investing: Swing for the Fences or Rely on Singles and Doubles? Sponsored by The Financial Group, Inc. Using a baseball analogy we know that when we swing for the fences we often strike out. How can you win in the financial game of life taking a more modest approach at the plate and still reach home plate while sleeping better at night? We’ll discuss the success strategies of the smart investor and the reasons for the pitfalls that so many encounter, that you should try to avoid. » Generations, 1500 Douglas Dr., Plymouth, room B » Greg Reineking (920) 451-6800, greineking@tfgplan.com 12:45 - 1:45 p.m. Planning for Social Security Sponsored by Kohler Credit Union This presentation is geared to the soon to be retired or planning to retire person. It is a journey through the options when choosing to start your Social Security payments. It not always a straight forward decision. » Generations, 1500 Douglas Dr., Plymouth, room B » Thomas Binversie, Financial Advisor (920) 783-2311, tbinversie@kohlercu.com

7:30 - 8:30 p.m. Mind Over Money Sponsored by Veritas Financial Services LLC Why do investors fail to become successful? Mind over Money examines the factors that contribute to investor failure (internal and external), and how we can best overcome these factors on the road to realizing our financial goals. » Generations, 1500 Douglas Dr., Plymouth, room B » Stephanie Alecos (920) 744-0010, stephanie@alecosinsurance.com

Worried about protecting Worried about yourWorried retirement nest egg? aboutprotecting protecting youryour retirement retirementnest nest egg? egg?

What if ifyou had What youhad had What if you more eggs? more eggs? more eggs? Worried about protecting Come see us about

Come see us about 2 - 3 p.m. your retirement nest egg? Retirement – Estate Insurance Retirement –us Estate – –Insurance Come see about Health Insurance: Are You Paying Too Much? Education – Investment What if you had Education – Investment Retirement – Estate – Insurance Sponsored by Insurance Solutions – Investment more eggs? Many people today feel they are paying too much Education for their health insurance coverage. The truth is, Come see us about they probably are according to the “80/20” rule of Retirement – Estate – Insurance Education – Investment 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 Greg L. Reineking truly be getting a good return on the premium Investment Professional The Financial Group we are paying. This class will help you evaluate Greg L. Reineking 625 N. 8th St. Investment Professional your options, including the new Health Exchange Greg L. Reineking Sheboygan, WI 53081 The Financial Group options, and how to maximize your ROI of health 920-451-6800 Investment Professional 625 N. St. greineking@tfgplan.com Greg L. Reineking insurance premiums. The Financial 8th Group www.tfgplan.com Sheboygan, WI 53081 Investment Professional 625 N. 8th St. » Generations, 1500 Douglas Dr., Plymouth, room B The 920-451-6800 Financial Group Sheboygan, WIN.53081 » Paulette Ruminski (920) 268-1600, paulette@insurancesolu625 8th St. Overgreineking@tfgplan.com 30 Years Helping 920-451-6800 Sheboygan, WIPeople 53081 Reach Their Financial Goals tions-wi.com www.tfgplan.com Securities and advisory services offered through SII Investments, Inc. SII Member FINRA/SIPC 920-451-6800 greineking@tfgplan.com and a Registered Investment Advisor. SII and The Financial Group are separate companies. greineking@tfgplan.com www.tfgplan.com 5 - 6 p.m. www.tfgplan.com Protecting Your Identity and Trends in Identity Over 30 Years Helping People Reach Their Financial Goals Securities advisory services offered through SII Investments, Inc. SIIFinancial MemberGoals FINRA/SIPC Theft Over 30 Years Helping People Reach Their Financial Over 30andYears Helping People Reach Their Goals and a Registered Investment Advisor. SII and The Financial Group are separate companies. Sponsored by Veritas Financial Services LLC Securities and advisory services offered through SII Investments, Inc. SII Member FINRA/SIPC Securities and advisory services offered through SII Investments, Inc. SII Member FINRA/SIPC and a Registered Investment Advisor. SII and The Financial Group are separate companies. In this class we will look at the surprising ways and a Registered Investment Advisor. SII and The Financial Group are separate companies. thieves can steal your identity, their unlikely

Mead Public Library 710 North 8th Street • Sheboygan

7:30 - 8:30 p.m. 30 Financial Tips in 30 Minutes Sponsored by H.C. Denison Company In this information packed seminar, consumers of all ages will have an opportunity to pick-up time tested strategies from certified financial planner Robert J. Kuehl. Topics will include 401 plans, retirement income planning, insurance, Roth vs. traditional IRAs, credit scores, income taxes, interest rates, estate planning, 529 plans, social security benefits, the use of mutual funds, individual stocks, and bonds in portfolio planning … get ready to learn, interact and be money smart! » Mead Public Library, 710 North 8th St., Sheboygan, Rocca room » Robert J. Kuehl, CFP & vice president, H.C. Denison, (920) 4579451, rkuehl@hcdenison.com and rscheele@hcdenison.com

Monday, April 7 Noon - 1 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. » Mead Public Library, 710 North 8th St., Sheboygan, Rocca room » Thomas Binversie, Financial Advisor (920) 783-2311, tbinversie@kohlercu.com 1:15 p.m. – 2:15 p.m. Medicare A, B, C, and D Sponsored by Sheboygan County Aging & Disability Resource Center What you need to know about Medicare part A, B, C, and D. » Mead Public Library, 710 North 8th St., Sheboygan, Rocca room » Pat Hafermann (920) 467-4076, patricia.hafermann@ sheboygancounty.com

Wednesday, April 9 Noon - 1 p.m. Flea Market Gardening Sponsored by Rob Zimmer, Yard MD Turning trash into treasure is a hot trend and

2:30 – 3:30 p.m. A Closer Look at Your Social Security Beneﬁts Sponsored by CB Investment Services This seminar will provide a general overview of rules related to social security. » Mead Public Library, 710 North 8th St., Sheboygan, Rocca room » Mary Ryan (920) 459-4444, mary.ryan@ceterais.com

continued on page 13

E C I O H ART C

A SM

5 - 6 p.m. Estate Planning 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., Sheboygan, Rocca room » Attorney Michael Roth (920) 457-5097

Va l u

n owl

6:15 - 7:15 p.m. Building Business Blocks Sponsored by Lakeshore Technical College’s Center For Entrepreneurship Starting your own business and not sure where to begin? ■ 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. ■ Learn about local resources that can help you If you ever thought of starting your own business, this class is for you! » Mead Public Library, 710 North 8th St., Sheboygan, Rocca room » Kristin Bell Abell (920) 693-1658, kristin.abell@gotoltc.edu

e of K

Money Smart Week April 5 - 12, 2014 H. C. DENISON CO. Serving Investors Since 1928 618 N. 7th Street, Sheboygan, WI 53081 (920) 457-9451 • 800-247-8025

Member SIPC

www.hcdenison.com

Member FINRA

Mead Public Library | 710 North 8th Street • Sheboygan creative minds everywhere are creating beautiful, original pieces of garden art and accents on a dime. From metals and glass to wood and concrete, I’ll show you how to create pieces of garden art that match your style. » Mead Public Library, 710 North 8th St., Sheboygan, Rocca room » Rob Zimmer (920) 993-1000, yardmd@postcrescent.com

over Money examines the factors that contribute to investor failure (internal and external), and how we can best overcome these factors on the road to realizing our financial goals. » Mead Public Library, 710 North 8th St., Sheboygan, Rocca room » Jeremy Burri (920) 893-5262, jburri@veritasinvesting.com 9:30 - 10 a.m. Preschool Story Time Sponsored by Mead Public Library This story time for preschoolers and their caregivers will feature books and rhymes about money and counting, and will include a showing of the movie “Lemonade in Winter”, based on the book by Emily Jenkins and G. Brian Karas. How profitable is a lemonade stand in winter? Find out as Pauline and her younger brother John-John set up shop on their cold, snowy street. As their catchy rhyme (Lemon lemon LIME, Lemon LIMEADE! Lemon lemon LIME, Lemon LEMONADE!) attracts customers, the kids are able to explore simple math concepts with each sale. This entertaining film is a great introduction to money and entrepreneurship. » Mead Public Library, 710 North 8th St., Sheboygan, Children’s Story Garden (3rd floor) » Susan Durant (920) 459-3400 ext. 3433, susan.durant@meadpubliclibrary.org

1:15 – 2:15 p.m. A Closer Look at Your Social Security Beneﬁts Sponsored by CB Investment Services This seminar will provide a general overview of rules related to social security. » Mead Public Library, 710 North 8th St., Sheboygan, Rocca room » Mary Ryan (920) 459-4444, mary.ryan@ceterais.com 2:30 – 3:30 p.m. Pulse of the Market: Changing & Challenging Times For Investors Sponsored by The Financial Group, Inc. Overview and insights of the things that really matter when it comes to investing in an uncertain world. Examination of various markets, economic cycles, risks, rewards, and how to manage your expectations. Play it too “safe” and you may be sorry! » Mead Public Library, 710 North 8th St., Sheboygan, Rocca room » Greg Reineking (920) 451-6800, greineking@tfgplan.com

continued on page 14

5 - 6 p.m. 30 Financial Tips in 30 Minutes Sponsored by H.C. Denison Company In this information packed seminar, consumers of all ages will have an opportunity to pick-up time tested strategies from certified financial planner Robert J. Kuehl. Topics will include 401(k) plans, retirement income planning, insurance, Roth vs. traditional IRAs, credit scores, income taxes, interest rates, estate planning, 529 plans, social security benefits, the use of mutual funds, individual stocks, and bonds in portfolio planning … get ready to learn, interact and be Money Smart! » Mead Public Library, 710 North 8th St., Sheboygan, Rocca room » Robert J. Kuehl, CFP & vice president, H.C. Denison, (920) 4579451, rkuehl@hcdenison.com and rscheele@hcdenison.com

Are You Ready to

Buy or Refinance Your Dream Home Today?

6:15 - 7:15 p.m. Travel Tips and More Sponsored by Travel Leaders This presentation will cover all aspects of travel and vacation planning. This session will be packed with tips to be aware of as you plan your next trip. When is the best time to book tickets, travel agent vs. online, best value destinations….. all these questions will be covered and more. » Mead Public Library, 710 North 8th St., Sheboygan, Rocca room » Sue Zeier (920) 694-4631, szeier@tldiscovery.com

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920-208-1111

communitybankandtrust.com

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7:30 - 8:30 p.m. Mind Over Money Sponsored by Veritas Financial Services LLC Why do investors fail to become successful? Mind

Sheboygan ~ Sheboygan Falls ~ Plymouth ~ Chilton Elkhart Lake ~ Glendale ~ Greenfield Member FDIC

Mead Public Library | 710 North 8th Street • Sheboygan 10:30 - 11 a.m. Preschool Story Time Sponsored by Mead Public Library This story time for Preschoolers and their caregivers will feature books and rhymes about money and counting, and will include a showing of the movie “Lemonade in Winter”, based on the book by Emily Jenkins and G. Brian Karas. How profitable is a lemonade stand in winter? Find out as Pauline and her younger brother John-John set up shop on their cold, snowy street. As their catchy rhyme (Lemon lemon LIME, Lemon LIMEADE! Lemon lemon LIME, Lemon LEMONADE!) attracts customers, the kids are able to explore simple math concepts with each sale. This entertaining film is a great introduction to money and entrepreneurship. » Mead Public Library, 710 North 8th St., Sheboygan, Children’s Story Garden (3rd floor) » Susan Durant (920) 459-3400 ext. 3433, susan.durant@meadpubliclibrary.org

from ages 3-10. All children attending with a parent will receive Penny the Pig banks. » Mead Public Library, 710 North 8th St., Sheboygan, Children’s Story Garden (3rd floor) » Ken King (920) 458-3784, kking@cccsonline.org 4 - 4:30 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., Sheboygan, Maas Teen Learning Center (3rd floor) » Matt Kautzer (920) 458-3784, mkautzer@cccsonline.org 4:30 - 5 p.m. Family Movie and Craft Program Sponsored by Mead Public Library Children and their parents are invited to attend a free short movie, “Lemonade in Winter,” based on the book by Emily Jenkins and G. Brain Karas. How profitable is a lemonade stand in winter? Find out as Pauline and her younger brother John-John set up shop on their cold, snowy street.

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

continued on page 15

Shred Fest & Cellphone ★★★

Free Recycling Event ★★★

Saturday, April 5, 2014 • 9 a.m. – noon Memorial Mall parking lot (east of Sears) 3347 Kohler Memorial Dr., Sheboygan, WI 53081 ❏ Bring “old” confidential documents to be shredded on site ❏ Bring cellphones for recycling (data will be removed before recycling)

Call Consumer Credit Counseling Service at (920) 458-3784 for more information. Sponsored by:

www.cccsonline.org

Mead Public Library | 710 North 8th Street • Sheboygan As their catchy rhyme (Lemon lemon LIME, Lemon LIMEADE! Lemon lemon LIME, Lemon LEMONADE!) attracts customers, the kids are able to explore simple math concepts with each sale. This entertaining film is a great introduction to money and entrepreneurship. After the movie, families can stay and create a money themed craft to take home. » Mead Public Library, 710 North 8th St., Sheboygan, Children’s Story Garden (3rd floor) » Susan Durant (920) 459-3400 ext. 3433, susan.durant@meadpubliclibrary.org

to save money from the “low hanging fruit” projects. We’re here to make insulation sexy, but also to save you some money and make your home more comfortable to live in. » Mead Public Library, 710 North 8th St., Sheboygan, Rocca room » Tammie Gruenke (920) 467-9481, kth@energy-strategies.net 1:15 – 2:15 p.m. Mindful Consumption Sponsored by Windhorse Retreat Learn how spending and other consumption choices you make can have a positive impact on your community. » Mead Public Library, 710 North 8th St., Sheboygan, Rocca room » Rebecca McAllister (920) 449-4352, windhorse.shambhala@gmail.com

Thursday, April 10 6:30 - 7 p.m. Family Movie and Craft Program Sponsored by Mead Public Library Children and their parents are invited to attend a free short movie, “Lemonade in Winter,” based on the book by Emily Jenkins and G. Brain Karas. How profitable is a lemonade stand in winter? Find out as Pauline and her younger brother John-John set up shop on their cold, snowy street. As their catchy rhyme (Lemon lemon LIME, Lemon LIMEADE! Lemon lemon LIME, Lemon LEMONADE!) attracts customers, the kids are able to explore simple math concepts with each sale. This entertaining film is a great introduction to money and entrepreneurship. After the movie, families can stay and create a money themed craft to take home. » Mead Public Library, 710 North 8th St., Sheboygan, Children’s Story Garden (3rd floor) » Susan Durant (920) 459-3400 ext. 3433, susan.durant@meadpubliclibrary.org

2:30 – 3:30 p.m. Nourish: Eat Local Food on a Budget Sponsored by Nourish Nourish Food Justice director, Heather Cleveland, will talk about eating locally grown fruits and vegetables with the season using delicious recipes and preservation practices that can be good for your health and your budget. » Mead Public Library, 710 North 8th St., Sheboygan, Rocca room » Heather Cleveland (920) 457-7272 ext. 118, scio.heather@gmail.com

Saturday, April 12 Noon - 1 p.m. Low-Cost Energy and Sustainable Improvements for Your Home that Provide Top-Dollar Savings Sponsored by Energy Strategies of Sheboygan Energy saving ideas can fit into anyone’s budget. Hear about low cost projects and improvements that can provide a big return. We will also cover additional steps that can be taken after you start

Over 30 Years Helping People Reach Their Financial Goals

Cedar Grove Public Library 131 West Van Altena Avenue • Cedar Grove

Wednesday, April 9

Friday, April 11

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., Cedar Grove » Jeannine Folan (920) 458-3784, jfolan@cccsonline.org

10 - 10:45 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 “Curious George Saves His Pennies” 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., Cedar Grove » Nicole Linnaugh (920) 668-6834

Lakeview Community Library 112 Butler Street • Random Lake

Thursday, April 10

math and will include a book called “Curious George Saves His Pennies” 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 10

math and will include a book called “Curious George Saves His Pennies” which introduces counting and earning money. The first 20 families will receive a complimentary copy of the book. » Oostburg Library, 213 North 8th St., 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

Additional Events about the federal governments’ Health Insurance Marketplace will be offered in various libraries through March. » Sheboygan Mead Library: Wednesdays through March 26, 1 - 6 p.m. » Random Lake Library: Thursday, March 13, 4 - 7 p.m. » Sheboygan Mead Library: Monday March 24, 4 - 7 p.m. » Elkhart Lake Library: Thursday, March 27, 4 - 7 p.m. » Lakeshore Community Health Clinic (920) 783-6633 or Partners for Community Development (920) 459-2784

Saturday, April 5 9 a.m. - noon Shred Fest and Cellphone Recycling Event Sponsored by Consumer Credit Counseling Service and Cintas Bring “old” confidential documents to be shredded on site and bring cell phones for recycling (data will be removed before recycling). Free. » Sheboygan Memorial Mall parking lot (east of Sears), 3347 Kohler Memorial Dr. » Matt Kautzer (920) 458-3784, mkautzer@cccsonline.org.

Credit Report Analysis Sponsored by United One Credit Union Visit one of our Sheboygan offices for a free credit report analysis Monday – Friday between 9 a.m. - 4 p.m. (April 7 – 11). No appointment needed. A lender will help you look at your credit report and find ways to save money. » United One Credit Union Sheboygan oﬃces (2122 Superior Ave., 3509 Washington Ave., 2629 North 7th St.) » Katie Schneider (920) 694-3934, kschneider@UnitedOne.org

Tuesday, April 8 6 - 7:30 p.m. FAFSA Completion Workshop Sponsored by University of Wisconsin-Sheboygan UW-Sheboygan staff will be available to answer any questions and assist you in the completion of the FAFSA. Participants will have access to computers to complete the 2014-2015 FAFSA. Bring along the following items: ■ Parent and student social security number ■ Dates: birth, death, marriage, divorce ■ 2013 federal tax return if submitted ■ Bank statement ■ Amounts of other income ■ Value of other assets » UW-Sheboygan, One University Dr., Sheboygan (Acuity Technology main building, library computer lab room 1120) » Elisa Waltz (920) 459-5956, elisa.waltz@uwc.edu

Investing

Saturday, April 26

Introducing a better way to invest with professionals you can trust.

9 a.m. - 1 p.m. Electronic Recycling Day Sponsored by Ebenezer United Church of Christ Bring your old electronics to be recycled. Drive up and your vehicle will be unloaded. Items not accepted are refrigerators, dishwashers, stoves, light bulbs, batteries, air conditioners, or dehumidifiers. All other electronic items are accepted. Ebenezer pays the fees, so donations accepted. Free. » Ebenezer United Church of Christ, 3215 Saemann Ave., Sheboygan (920) 452-9766 or 608-449-2444

Only Located at Community Bank & Trust!

communitybankandtrust.com

Mary Ryan Investment Executive 920-459-4444

Ongoing

Call for a complimentary investment check-up.

Securities and insurance products offered through Cetera Investment Services LLC, member FINRA / SIPC. Investments are: • Not FDIC/NCUSIF insured • May lose

Affordable Care Act Enrollment Fairs Sponsored by Aﬀordable Care Task Force of Sheboygan County Community information and enrollment fairs

• Not insured by any federal government agency. Cetera is under separate ownership from any other named entity.

Senior Meal Sites & Activity Centers Adell • Cascade • Cedar Grove • Howards Grove • Oostburg • Sheboygan • Sheboygan Falls

Cascade – Monday, April 7

Sheboygan – Tuesday, April 8

11:30 a.m. - noon Financial Elder Abuse – Are You or Someone You Love the Target? Sponsored by Sheboygan County Aging & Disability Resource Center Learn different ways our senior’s can become the target of financial elder abuse, how to report suspected abuse and most importantly, ways to prevent it from happening. All age groups welcome. » 301 Milwaukee Ave., Cascade » Christine Freund (920) 467-4120, Christine.freund@sheboygancounty.com

11 - 11:45 a.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. » Zion Church, 1125 North 6th St., Sheboygan » Lisa Arneson (920) 458-3784, larneson@cccsonline.org

Sheboygan Falls – Wednesday, April 9 11:15 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. » 650 Forest Ave., Sheboygan Falls » Lisa Arneson (920) 458-3784, larneson@cccsonline.org

Cedar Grove – Monday, April 7 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. » First Reformed Church, 237 S. Main St., Cedar Grove » Peggy Ayers (920) 457-5626, payers@ccmclending.com

Oostburg – Wednesday, April 9

Howards Grove – Tuesday, April 8

10:45 - 11:30 a.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! » Civic Center, 213 North 8th St., Oostburg » Jeannine Folan (920) 458-3784, jfolan@cccsonline.org

11:15 a.m. - noon 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? » Village Hall, 913 South Wisconsin Dr., Howards Grove » Jeannine Folan (920) 458-3784, jfolan@cccsonline.org

Sheboygan – Thursday, April 10

Adell – Tuesday, April 8

Noon - 1 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. » Sheboygan Senior Activity Center, 428 Wisconsin Ave., Sheboygan » Ken King (920) 458-3784, kking@cccsonline.org

12:30 - 1 p.m. Financial Elder Abuse – Are You or Someone You Love the Target? Sponsored by Sheboygan County Aging & Disability Resource Center Learn different ways our seniors can become the target of financial elder abuse, how to report suspected abuse and most importantly, ways to prevent it from happening. All age groups welcome. » 510 Seifert St., Adell » Christine Freund (920) 467-4120, Christine.freund@sheboygancounty.com

3 THE GLORY YEARS 4

Tom Leibham Oostburg

Larry LeMahieu Oostburg

Steve Wisse Cedar Grove

Rachel Weavers Oostburg

Nancy Huenink Oostburg

Denise Kussard Cedar Grove

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

Becca Koene

Sue Petska

Mortgage Originator

NMLS #503490 920.783.2509 bkoene@kohlercu.com

NMLS #457065 920.783.2326 spetska@kohlercu.com

Apply for your home loan at www.kohlercu.com