Sheboygan Calendar of Events Sheboygan Calendar of Events
April 21–28, 2012 April 21–28, 2012 MoneySmartWeek.org MoneySmartWeek.org
CCCS Cons um e r C re d it Cou ns e li ng Se rvice
Governor’s Council on Financial Literacy
Dear friends, I am pleased to write this message of support for the 2012 Money Smart Week Wisconsin, scheduled for April 21-28 in communities across the state. At least 26 organizing committees have planned hundreds of Money Smart Week events with the assistance of thousands of volunteers. Wisconsin consumers will be able to attend outstanding sessions on a variety of financial topics ranging from personal budgeting, to investing, to planning for retirement. Education is the key to financial survival and success in these fast-changing economic times. Through the efforts of the Money Smart Week Wisconsin organization and hundreds of business and community partners, educational opportunities will abound during this week-long focus on personal finance. Most of the events are free of charge. On behalf of the Governor’s Council on Financial Literacy, I encourage all Wisconsin citizens to take advantage of the Money Smart Week activities in their communities. First held in 2006 in Wisconsin, Money Smart Week is an annual event that truly makes a difference in the lives of many Wisconsin citizens. I hope you and your families will join in the wonderful programs that will be made available as part of Money Smart Week. Sincerely,
Tonette Walker First Lady of Wisconsin Ambassador, Governor’s Council on Financial Literacy
WI Department of Financial Institutions, Office of Financial Literacy Mail: PO Box 8861, Madison, WI 53708-8861 Courier: 345 W. Washington Ave. 5 th Floor, Madison, WI 53703 Voice: (608) 267-1713 Fax: (608) 261-4334 TTY: (608) 266-8818 Internet: www.wdfi.org
MONEY SMART WEEK | April 21-28, 2012 | PAGE 2
Sheboygan
Horace Mann Middle School | Monday, April 23, 2012
5:00pm – 6:00pm
5:00pm – 6:00pm
Learn the 7 basic steps to financial success from visualizing success to accomplishing your goals.
More Information: 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!
Seven Steps for Financial Success
Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 123 Ken King (920) 458-3784 kking@cccsonline.org Sponsored by: Consumer Credit Counseling Service
5:00pm – 6:00pm
Myths and Truths of Investing
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 Avenue, Sheboygan, Room 124 Margaret Wittkopp (920) 893-5262 margaret.wittkopp@veritasinvesting.com Sponsored by: Veritas Financial Services LLC
Living on a Fixed Income
Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 126 Jeannine Folan (920) 458-3784 jfolan@cccsonline.org Sponsored by: Consumer Credit Counseling Service
6:15pm – 7:15pm
How to Get Out of Debt FASTER
More Information: 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 Avenue, Sheboygan, Room 123 Ken King (920) 458-3784 kking@cccsonline.org Sponsored by: Consumer Credit Counseling Service
6:15pm – 7:15pm 5:00pm – 6:00pm
The Dark Side of Investing
Learn about common myths and mistakes related to buying a car today. Learn how buying a car in the past will not work today and avoid common mistakes and traps.
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 Avenue, Sheboygan, Room 125 Scott Presutti, Automotive Resource Manager (920) 459-2595 | spresutti@kohlercu.com Sponsored by: Kohler Credit Union
Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 124 Margaret Wittkopp (920) 893-5262 margaret.wittkopp@veritasinvesting.com Sponsored by: Veritas Financial Services LLC
Buying a Vehicle – What You Think You Know Might Hurt You (Part 1)
MONEY SMART WEEK | April 21-28, 2012 | PAGE 3
Horace Mann Middle School | Monday, April 23, 2012 continued
6:15pm – 7:15pm
making things happen!
Buying a Vehicle – What You Think You Know Might Hurt You (Part 2) Learn about common myths and mistakes related to buying a car today. Learn how buying a car in the past will not work today and avoid common mistakes and traps. Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 125 Scott Presutti, Automotive Resource Manager (920) 459-2595 | spresutti@kohlercu.com Sponsored by: Kohler Credit Union
Horace Mann Middle School, |2820 Union Avenue, Sheboygan, Room 123 Ken King (920) 458-3784 kking@cccsonline.org Sponsored by: Consumer Credit Counseling Service
7:30pm – 8:30pm
Family Budgeting and Finances (Presented in Spanish)
Learn tips on budgeting, finances, and smart spending. Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 124
7:30pm – 8:30pm
Making Dreams Come True
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
Jose Araujo (920) 459-2780 josea@partners4cd.com Sponsored by: Partners for Community Development and Hispanic-American Information Center
Horace Mann Middle School | Tuesday, April 24, 2012
5:00pm – 6:00pm
Saving Energy is the Secret to Saving Money
Want to keep comfortable while saving energy and money? Wisconsin Public Service has some proven ideas for you and your family. This hour long course will teach easy-to-do conservation techniques, offer low cost ways to conserve, instruct on how to use energy wisely and have an affordable energy future. Learn how much each appliance uses, how to calculate your bill, tools available for use, and a lot more. Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 123 Robert Hernke (920) 236-5945 rhhernke@wisconsinpublicservice.com Sponsored by: Wisconsin Public Service Company
5:00pm – 6:00pm
Facing Mortgage Issues
Having trouble making a house payment? Heading for or currently in foreclosure? This class will answer questions about your options and give you information about how to avoid or stop foreclosure. Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 124 Lisa Arneson (920) 458-3784 larneson@cccsonline.org Sponsored by: Consumer Credit Counseling Service
5:00pm – 6:00pm
Don’t Forget Your Home Inspection
Important information you should know “before” buying or selling your home. Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 125 Greg Leibig, Certified Home Inspector (920) 451-4646 | greg@4squarehi.com Sponsored by: 4 Square Home Inspections, LLC
MONEY SMART WEEK | April 21-28, 2012 | PAGE 4
Horace Mann Middle School | Tuesday, April 24, 2012
5:00pm – 6:00pm
6:15pm – 7:15pm
Explore how a reverse mortgage works and whether it is right for your financial situation.
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.
Reverse Mortgage… Is it Right For You?
Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 126 Peggy Ayers (920) 457-5626 payers@ccmclending.com Sponsored by: Cherry Creek Mortgage
5:00pm – 6:00pm
Couponing 101 Boot Camp
More Information: Learn the “boot camp basics” of everyday couponing and saving money. Learn tips on how to save your family at least 50% 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 Avenue, Sheboygan, Room 128 Jenni Stein (920) 207-7838 jenniraestein@yahoo.com Sponsored by: Jenni Stein
Scams and Schemes to Get Your Money
Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 124 Lisa Arneson (920) 458-3784 larneson@cccsonline.org Sponsored by: Consumer Credit Counseling Service
6:15pm – 7:15pm
Building Business Blocks
Learn what a prospective entrepreneur should know and questions they should ask themselves before venturing down the road to potentially opening their own business. If you ever thought of owning your own business, but want to know what to do first, BBB is for you! Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 125 John Rogers (920) 457-9491 rogers@sheboygan.org Sponsored by: Sheboygan County Chamber of Commerce
6:15pm – 7:15pm
Beating the Financial Squeeze
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 Avenue, Sheboygan, Room 123 Jeannine Folan (920) 458-3784 jfolan@cccsonline.org Sponsored by: Consumer Credit Counseling Service
6:15pm – 7:15pm
Reverse Mortgage… Is it Right For You?
Explore how a reverse mortgage works and whether it is right for your financial situation. Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 126 Peggy Ayers (920) 457-5626 payers@ccmclending.com Sponsored by: Cherry Creek Mortgage
MONEY SMART WEEK | April 21-28, 2012 | PAGE 5
Get started on a
Business Management Degree close to home Associate degree classes begin August 2012 in Sheboygan or Plymouth Classes offered evenings Being successful in the business world means having a broad range of up-to-date business skills. our Business management program classes focus on key topics such as business operations, accounting, marketing, human resource management, team building and problem solving, and business law. With a Business management associate degree from ltc you’ll be ready to meet the challenges of managing a business. • Flexible scheduling helps you balance working and learning • Convenient location so you won’t have to go far to earn your degree • Credit transfer opportunities allow you to earn a bachelors degree learn more at an upcoming Information session. register for a session, or find out more about Business management, at gotoltc.edu.
gotoltc.edu
1.888.GO TO LTC • 920.693.1000 1290 North Avenue • Cleveland WI 53015-1414 NCA-Accredited (ncahlc.org • 312.263.0456) Lakeshore TechnicaL coLLege does noT discriminaTe on any unLawfuL basis, To incLude race, coLor, naTionaL origin, sex, disabiLiTy or age, in empLoymenT, admissions or in iTs programs or acTiviTies. aLL inquiries regarding The coLLege’s nondiscriminaTion poLicies, shouLd be direcTed To The human resources direcTor.
MONEY SMART WEEK | April 21-28, 2012 | PAGE 6
PROUD TO SPONSOR
Where the community and trust come together!
Banking
simplified Introducing a better way to bank
Trust • Investments • Private Banking • Corporate Financing • Commercial Real Estate Lending • Cash Management Services • SBA Loans • Personal & Business Accounts • Mortgages
459-4444 • 888-582-4440 communitybankandtrust.com
Where the community and trust come together!
Member FDIC
SHEBOYGAN • SHEBOYGAN FALLS • PLYMOUTH • ELKHART LAKE • CHILTON • GLENDALE • APPLETON • GREENFIELD MONEY SMART WEEK | April 21-28, 2012 | PAGE 7
Horace Mann Middle School | Tuesday, April 24, 2012 continued
6:15pm – 7:15pm
Couponing 101 Boot Camp
Learn the “boot camp basics” of everyday couponing and saving money. Learn tips on how to save your family at least 50% 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 Avenue, Sheboygan, Room 128
7:30pm – 8:30pm
Women: Investing and Retirement
More Information: Take charge of your retirement. This workshop provides practical tips on how to save more and spend longer. It explains the unique challenges women face. Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 125 Mary Ryan (920) 459-4444 mary.ryan@primevest.com Sponsored by: CB Investment Services
7:30pm – 8:30pm
Stretching Your Food Dollar
Jenni Stein (920) 207-7838 jenniraestein@yahoo.com
Learn basic concepts of getting more for less in your grocery shopping. Discover how to save 10% or more on your grocery bill every month. What could you do with that extra money?
Sponsored by: Jenni Stein
7:30pm – 8:30pm
Common Sense Ways to Save
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 Avenue, Sheboygan, Room 123
Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 126 Matt Kautzer (920) 458-3784 mkautzer@cccsonline.org Sponsored by: Consumer Credit Counseling Service
Jeannine Folan (920) 458-3784 jfolan@cccsonline.org
7:30pm – 8:30pm
Sponsored by: Consumer Credit Counseling Service
Learn the “boot camp basics” of everyday couponing and saving money. Learn tips on how to save your family at least 50% 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).
7:30pm – 8:30pm
You and Your Credit Report
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 Avenue, Sheboygan, Room 124 Lisa Arneson (920) 458-3784 larneson@cccsonline.org Sponsored by: Consumer Credit Counseling Service
Couponing 101 Boot Camp
Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 128 Jenni Stein (920) 207-7838 jenniraestein@yahoo.com Sponsored by: Jenni Stein
MONEY SMART WEEK | April 21-28, 2012 | PAGE 8
Horace Mann Middle School | Wednesday, April 25, 2012
5:00pm – 6:00pm
6:15pm – 7:15pm
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.
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.
You and Your Credit Report
Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 123 Jeannine Folan (920) 458-3784 jfolan@cccsonline.org Sponsored by: Consumer Credit Counseling Service
Meet Penny the Pig
Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 123 Jeannine Folan (920) 458-3784 jfolan@cccsonline.org Sponsored by: Consumer Credit Counseling Service
6:15pm – 7:15pm
5:00pm – 6:00pm
1st Time Home Buyers
How to Qualify for a Home Loan
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. Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 124 Lacey Busse (920) 693-8256 lbusse@bankatcsb.com Sponsored by: Cleveland State Bank
5:00pm – 6:00pm
Long Term Care: The Overlooked Risk
Many people put off thinking about Long Term Care, however, delaying an education on Long Term Care could be a very costly mistake to you and your family. There are many new programs, choices, and incentives available today to assist individuals in protecting themselves and their nest egg from a Long Term Care event.
Buying a home can seem overwhelming, especially when you’re experiencing it for the first time. I believe in the dream of homeownership and I will show you how to realize yours. Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 125 Linda Serrano (920) 694-3932 lserrano@unitedone.org Sponsored by: United One Credit Union
6:15pm – 7:15pm
Medicare and You
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 Avenue, Sheboygan, Room 126 Dorcas George (920) 893-5262 dorcas.george@veritasinvesting.com Sponsored by: Veritas Financial Services LLC
Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 126 Paulette Ruminski (920) 893-5262 pruminski@veritasinvesting.com Sponsored by: Veritas Financial Services LLC
MONEY SMART WEEK | April 21-28, 2012 | PAGE 9
Horace Mann Middle School | Wednesday, April 25, 2012 continued
7:30pm-8:30pm
7:30pm – 8:30pm
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.
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.
How to Identify and Prevent Financial Elder Abuse
Where: Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 125 Christine Freund (920) 467-4120 hinricah@co.sheboygan.wi.us Sponsored by: Sheboygan County Health & Human Services
Probate, Trusts, and Securing My Assets
Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 124 Attorney Michael Roth (920) 457-5097 Sponsored by: Wurtz, Roth, & Basler, S.C.
7:30pm – 8:30pm
Finances for Couples
7:30pm – 8:30pm
Beating the Financial Squeeze
Learn the basic tools to develop and implement a successful spending plan to help you take control of your financial matters
Money issues are one of the top sources of conflict for couples. A fun quiz will help you each identify your “money personality” and gain insights to help you start working together to meet your financial goals. Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 126
Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 123
Dorcas George (920) 893-5262 dorcas.george@veritasinvesting.com
Jeannine Folan (920) 458-3784 jfolan@cccsonline.org
Sponsored by: Veritas Financial Services LLC
Sponsored by: Consumer Credit Counseling Service
Horace Mann Middle School | Thursday, April 26, 2012
5:00pm – 6:00pm
5:00pm – 6:00pm
The majority of people today feel they are paying too much for their health insurance. This session will help individuals understand their health insurance choices and how they can maximize the dollars they spend on health insurance.
Consumers have been bombarded with apocalyptic news about the economy and market. In this eye-opening seminar, Robert J. Kuehl dispels the barrage of doomsday reports circulating in the mainstream media, arming attendees with valuable insights that will enhance both their financial and personal wellbeing.
Choosing Your Health Insurance Wisely… Maximizing the Dollars You Spend
Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 123 Paulette Ruminski (920) 893-5262 pruminski@veritasinvesting.com Sponsored by: Veritas Financial Services LLC
Market Mayhem & Economic Madness: Finding Your Way Through the Maze
Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 124 Robert J. Kuehl, CFP & Vice President H.C. Denison (920) 457-9451 | rkuehl@hcdenison.com Sponsored by: H.C. Denison Company
MONEY SMART WEEK | April 21-28, 2012 | PAGE 10
Horace Mann Middle School | Thursday, April 26, 2012 continued
5:00pm – 6:00pm
Saving for College and the Financial Aid Process
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 Avenue, Sheboygan, Room 125 Jeremy Burri (920) 893-5262 jburri@veritasinvesting.com
Julie Anderson (920) 783-6620 juliana.anderson@gotoltc.edu Sponsored by: Great Lakes Training & Development Corp.
6:15pm – 7:15pm
Reverse Mortgage…Is it Right For You?
Explore how a reverse mortgage works and whether it is right for your financial situation. Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 123
Sponsored by: Veritas Financial Services LLC
Peggy Ayers (920) 457-5626 payers@ccmclending.com
5:00pm – 6:00pm
Sponsored by: Cherry Creek Mortgage
For Women Only – Why Women Need Financial Intimacy
90% of women will be alone at some point in their life. Women need to have financial intimacy in their relationships to protect themselves from financial harm, caused by unexpected events such as job loss, death, separation or divorce. Learn how to have good financial planning conversations with Pamela Otten, the Financial Mom. Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 126 Pam Otten (920) 459-8933 info@pamelaotten.com
6:15pm – 7:15pm
Understanding Your Tax Assessment 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 Avenue, Sheboygan, Room 124 Ken King (920) 458-3784 kking@cccsonline.org
Sponsored by: Pamela Otten LLC
Sponsored by: Consumer Credit Counseling Service
5:00pm – 6:00pm
6:15pm – 7:15pm
Using Your Resume to Advertise Your Most Important Product – YOU!
This class will discuss sensible up-todate resume writing information for today’s job market. Today’s resume writing skills are not those of years before. Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 128 Linda Rauwerdink (920) 208-5817 linda.rauwerdink@gotoltc.edu
Creating a Tax Free Environment
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 Avenue, Sheboygan, Room 125 Jeremy Burri (920) 893-5262 jburri@veritasinvesting.com Sponsored by: Veritas Financial Services LLC
MONEY SMART WEEK | April 21-28, 2012 | PAGE 11
Horace Mann Middle School | Thursday, April 26, 2012 continued
6:15pm – 7:15pm
Basics of Investing
If you don’t know what a stock or bond or mutual fund is, this class is for you. Basics of Investing will cover different types of investments, what they are used for, and different types of investment accounts to put them in. Basics of Investing also will cover important investing concepts, including biggest investor mistakes, risk, time horizon, and investor behavior. Taught by Pamela Otten, the Financial Mom. Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 126 Pam Otten (920) 459-8933 info@pamelaotten.com Sponsored by: Pamela Otten LLC
6:15pm – 7:15pm
How to be a S.T.A.R. in Your Interview
More Information: Attend this presentation if you are interested in learning about great techniques to improve your interviewing skills and make a positive impression with employers using the S.T.A.R. technique. Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 128 Linda Rauwerdink (920) 208-5817 linda.rauwerdink@gotoltc.edu Julie Anderson (920) 783-6620 juliana.anderson@gotoltc.edu Sponsored by: Great Lakes Training & Development Corp.
7:30pm – 8:30pm
Investing
simplified
Introducing a better way to invest with professionals you can trust.
Love and Money: A Relationship Challenge
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 Avenue, Sheboygan, Room 123 Matt Raunio (920) 459-6640 matthew.raunio@uwc.edu
Located at Community Bank & Trust! Mary Ryan Investment Executive 920-459-4444
Sponsored by: Matt Raunio and Maureen O‘ Shea
7:30pm – 8:30pm
Social Security Disability
PRIMEVEST® Financial Services, Inc. is an independent, registered broker/dealer. Member SIPC/NASD. Securities and insurance products offered by PRIMEVEST: • Not FDIC/NCUSIF insured • May go down in value • Not financial institution guaranteed • Not a deposit • Not insured by any government agency • Advisory services may only be offered by Investment Adviser Representatives in connection with an appropriate PrimeVest Advisory Services Agreement and disclosure brochure as provided. Consult your tax/legal advisor. Neither PrimeVest nor its representatives may give tax/legal advice. 604 N. 8th Street, Sheboygan, Wisconsin
This presentation will provide a general overview of disability claims and the appeals process. Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 124 Attorney Mark E. Wurtz (920) 457-5097 Sponsored by: Wurtz, Roth, & Basler, S.C.
MONEY SMART WEEK | April 21-28, 2012 | PAGE 12
Horace Mann Middle School | Thursday, April 26, 2012 continued
7:30pm – 8:30pm
7:30pm – 8:30pm
The proliferation of annuity products over the past 10 years has been nothing short ofamazing. 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.
More Information: How are you making your investment decisions? How do you know you are choosing the right investments for you, even in your 401k? How do you know if your investments are doing well? Learn how to be an Intelligent Investor with Pamela Otten, the Financial Mom.
Annuities: Peace of Mind or Costly Mistake
How to be an Intelligent Investor
Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 126
Horace Mann Middle School, 2820 Union Avenue, Sheboygan, Room 125
Pam Otten (920) 459-8933 info@pamelaotten.com
Jeremy Burri (920) 893-5262 jburri@veritasinvesting.com
Sponsored by: Pamela Otten LLC
Sponsored by: Veritas Financial Services LLC
Mead Public Library
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Market Mayhem & Economic Madness: Finding Your Way Through the Maze
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Money Smart Week April 21 - 29, 2012 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
Consumers have been bombarded with apocalyptic news about the economy and market. In this eyeopening seminar, Robert J. Kuehl dispels the barrage of doomsday reports circulating in the mainstream media, arming attendees with valuable insights that will enhance both their financial and personal wellbeing. Mead Public Library, 710 North 8th Street, Sheboygan, Rocca Room Robert J. Kuehl, CFP & Vice President - H.C. Denison (920) 457-9451 rkuehl@hcdenison.com Sponsored by: H.C. Denison Company
Member FINRA
MONEY SMART WEEK | April 21-28, 2012 | PAGE 13
Mead Public Library | Monday, April 23, 2012 continued
6:15pm – 7:15pm
7:30pm – 8:30pm
Take charge of your retirement. This workshop provides practical tips on how to save more and spend longer. It explains the unique challenges women face.
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.
Women: Investing and Retirement
Mead Public Library, 710 North 8th Street, Sheboygan, Rocca Room Mary Ryan (920) 459-4444 mary.ryan@primevest.com Sponsored by: CB Investment Services
Probate, Trusts, and Securing My Assets
Mead Public Library, 710 North 8th Street, Sheboygan, Rocca Room Attorney Michael Roth (920) 457-5097 Sponsored by: Wurtz, Roth, & Basler, S.C.
Mead Public Library | Tuesday, April 24, 2012
9:30am – 10:00am
10:30am – 11:00am
Story time will feature stories about money and counting and will include a showing of “Alexander Who Used To Be Rich Last Sunday” based on the book by Judith Viorst. This movie is about a young boy, Alexander, who, when his grandparents give him five dollars, is rich! With his new fortune, Alexander embarks on a whimsical spending spree that ultimately teaches the value of saving and spending money carefully.
Story time will feature stories about money and counting and will include a showing of “Alexander Who Used To Be Rich Last Sunday” based on the book by Judith Viorst. This movie is about a young boy, Alexander, who, when his grandparents give him five dollars, is rich! With his new fortune, Alexander embarks on a whimsical spending spree that ultimately teaches the value of saving and spending money carefully.
Preschool Story Time
Preschool Story Time
Mead Public Library, 710 North 8th Street, Sheboygan, Children’s Story Garden (3rd floor)
Mead Public Library, 710 North 8th Street, Sheboygan, Children’s Story Garden (3rd floor)
Karin Menzer (920) 459-3400 ext. 3433 Karin.Menzer@meadpubliclibrary.org
Karin Menzer (920) 459-3400 ext. 3433 Karin.Menzer@meadpubliclibrary.org
Sponsored by: Mead Public Library
Sponsored by: Mead Public Library
Mead Public Library | Wednesday, April 25, 2012
3:30pm – 4:30pm
4:30pm – 5:00pm
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.
Children and their parents are invited to attend a free movie, “Alexander Who Used To Be Rich Last Sunday” based on the book by Judith Viorst. This movie is about a young boy, Alexander, who, when his grandparents give him five dollars, is rich! With his new fortune, Alexander embarks on a whimsical spending spree that ultimately teaches the value of saving and spending money carefully.
Meet Penny the Pig
Mead Public Library, 710 North 8th Street, Sheboygan, Children’s Story Garden (3rd floor) Ken King (920) 458-3784 kking@cccsonline.org Sponsored by: Consumer Credit Counseling Service
Preschool Movie Program
Mead Public Library, 710 North 8th Street,
MONEY SMART WEEK | April 21-28, 2012 | PAGE 14
Mead Public Library | Wednesday, April 25, 2012 continued Sheboygan, Children’s Story Garden (3rd floor) Karin Menzer (920) 459-3400 ext. 3433 Karin.Menzer@meadpubliclibrary.org Sponsored by: Mead Public Library
4:00pm – 5:00pm
Money Matters for Teens
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 Street, Sheboygan, Maas Teen Learning Center (3rd floor)
Mead Public Library, 710 North 8th Street, Sheboygan, Rocca Room Jeremy Burri (920) 893-5262 jburri@veritasinvesting.com Sponsored by: Veritas Financial Services LLC
6:15pm – 7:15pm
Building Business Blocks
Learn what a prospective entrepreneur should know and questions they should ask themselves before venturing down the road to potentially opening their own business. If you ever thought of owning your own business, but want to know what to do first, BBB is for you! Mead Public Library, 710 North 8th Street, Sheboygan, Rocca Room
Matt Kautzer (920) 458-3784 mkautzer@cccsonline.org
John Rogers (920) 457-9491 rogers@sheboygan.org
Sponsored by: Consumer Credit Counseling Service
Sponsored by: Sheboygan County Chamber of Commerce
5:00pm – 6:00pm
7:30pm – 8:30pm
Saving for College and the Financial Aid Process 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!
Social Security Disability This presentation will provide a general overview of disability claims and the appeals process. Mead Public Library, 710 North 8th Street, Sheboygan, Rocca Room Attorney Mark E. Wurtz (920) 457-5097 Sponsored by: Wurtz, Roth, & Basler, S.C.
Mead Public Library | Thursday, April 26, 2012
6:30pm – 7:30pm
Preschool Movie Program
“Alexander Who Used To Be Rich Last Sunday” based on the book by Judith Viorst. This movie is about a young boy, Alexander, who, when his grandparents give him five dollars, is rich! With his new fortune, Alexander embarks on a whimsical spending spree that ultimately teaches the value of saving and spending money carefully. Mead Public Library, 710 North 8th Street, Sheboygan, Children’s Story Garden (3rd floor) Karin Menzer (920) 459-3400 ext. 3433 | Karin.Menzer@meadpubliclibrary.org Sponsored by: Mead Public Library
MONEY SMART WEEK | April 21-28, 2012 | PAGE 15
plymouth
Plymouth High School | Monday, April 23, 2012
5:00pm – 6:00pm
5:00pm – 6:00pm
Learn how to protect yourself from identity theft and fraud.
Explore how a reverse mortgage works and whether it is right for your financial situation.
Protect Yourself from Identity Theft
Plymouth High School, 125 Highland, Plymouth, Room B201 Chris Ringel, Deputy Chief Plymouth Police Dept. (920) 893-6541 | ringel@wiplymouthpd.com
Reverse Mortgage… Is it Right For You?
Plymouth High School, 125 Highland, Plymouth, Room B209 Karen Madson (920) 457-5626 kmadson@ccmclending.com
Sponsored by: Plymouth Police Department
Sponsored by: Cherry Creek Mortgage
5:00pm – 6:00pm
6:15pm – 7:15pm
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!
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.
Plymouth High School, 125 Highland, Plymouth, Room B203
Plymouth High School, 125 Highland, Plymouth, Room B201
Jeremy Burri (920) 893-5262 jburri@veritasinvesting.com
Matt Kautzer (920) 458-3784 mkautzer@cccsonline.org
Sponsored by: Veritas Financial Services LLC
Sponsored by: Consumer Credit Counseling Service
Creating a Tax Free Environment
5:00pm – 6:00pm
Long Term Care: The Overlooked Risk
Many people put off thinking about Long Term Care, however, delaying an education on Long Term Care could be a very costly mistake to you and your family. There are many new programs, choices, and incentives available today to assist individuals in protecting themselves and their nest egg from a Long Term Care event. Plymouth High School, 125 Highland, Plymouth, Room B207 Paulette Ruminski (920) 893-5262 pruminski@veritasinvesting.com Sponsored by: Veritas Financial Services LLC
You and Your Credit Report
6:15pm – 7:15pm
Annuities: Peace of Mind or Costly Mistake
The proliferation of annuity products over the past 10 years has been nothing short ofamazing. 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. Plymouth High School, 125 Highland, Plymouth, Room B203 Jeremy Burri (920) 893-5262 jburri@veritasinvesting.com Sponsored by: Veritas Financial Services LLC
MONEY SMART WEEK | April 21-28, 2012 | PAGE 16
Plymouth High School | Monday, April 23, 2012 continued
6:15pm – 7:15pm
125 Highland, Plymouth, Room B201
Medicare and You
More Information: 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. Plymouth High School, 125 Highland, Plymouth, Room B207 Dorcas George (920) 893-5262 dorcas.george@veritasinvesting.com Sponsored by: Veritas Financial Services LLC
6:15pm – 7:15pm
Reverse Mortgage… Is it Right For You?
Explore how a reverse mortgage works and whether it is right for your financial situation. Plymouth High School, 125 Highland, Plymouth, Room B209 Karen Madson (920) 457-5626 kmadson@ccmclending.com Sponsored by: Cherry Creek Mortgage
7:30pm – 8:30pm
Stretching Your Food Dollar
Learn basic concepts of getting more for less in your grocery shopping. Discover how to save 10% or more on your grocery bill every month. What could you do with that extra money?
Matt Kautzer (920) 458-3784 mkautzer@cccsonline.org Sponsored by: Consumer Credit Counseling Service
7:30pm – 8:30pm
How to Qualify for a Home Loan
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. Plymouth High School, 125 Highland, Plymouth, Room B203 Lacey Busse (920) 693-8256 lbusse@bankatcsb.com Sponsored by: Cleveland State Bank
7:30pm – 8:30pm
Finances for Couples
Money issues are one of the top sources of conflict for couples. A fun quiz will help you each identify your “money personality” and gain insights to help you start working together to meet your financial goals. Plymouth High School, 125 Highland, Plymouth, Room B207 Dorcas George (920) 893-5262 dorcas.george@veritasinvesting.com Sponsored by: Veritas Financial Services LLC
Plymouth High School,
Plymouth High School | Tuesday, April 24, 2012
5:00pm – 6:00pm
Beating the Financial Squeeze
Learn the basic tools to develop and implement a successful spending plan to help you take control of your financial matters. Plymouth High School, 125 Highland, Plymouth, Room B201 Tammy Harris (920) 458-3784 | tharris@cccsonline.org Sponsored by: Consumer Credit Counseling Service
MONEY SMART WEEK | April 21-28, 2012 | PAGE 17
Plymouth High School | Tuesday, April 24, 2012 continued
5:00pm – 6:00pm
125 Highland, Plymouth, Room B209
For Women Only – Why Women Need Financial Intimacy
90% of women will be alone at some point in their life. Women need to have financial intimacy in their relationships to protect themselves from financial harm, caused by unexpected events such as job loss, death, separation or divorce. Learn how to have good financial planning conversations with Pamela Otten, the Financial Mom. Plymouth High School, 125 Highland, Plymouth, Room B203 Pam Otten (920) 459-8933 info@pamelaotten.com Sponsored by: Pamela Otten LLC
Robert J. Kuehl, CFP & Vice President H.C. Denison (920) 457-9451 | rkuehl@hcdenison.com Sponsored by: H.C. Denison Company
6:15pm – 7:15pm
Making Dreams Come True
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! Plymouth High School, 125 Highland, Plymouth, Room B201 Ken King (920) 458-3784 kking@cccsonline.org Sponsored by: Consumer Credit Counseling Service
5:00pm – 6:00pm
Choosing Your Health Insurance Wisely… Maximizing the Dollars You Spend
The majority of people today feel they are paying too much for their health insurance. This session will help individuals understand their health insurance choices and how they can maximize the dollars they spend on health insurance. Plymouth High School, 125 Highland, Plymouth, Room B207 Paulette Ruminski (920) 893-5262 pruminski@veritasinvesting.com Sponsored by: Veritas Financial Services LLC
6:15pm – 7:15pm
Basics of Investing
If you don’t know what a stock or bond or mutual fund is, this class is for you. Basics of Investing will cover different types of investments, what they are used for, and different types of investment accounts to put them in. Basics of Investing also will cover important investing concepts, including biggest investor mistakes, risk, time horizon, and investor behavior. Taught by Pamela Otten, the Financial Mom. Plymouth High School, 125 Highland, Plymouth, Room B203 Pam Otten (920) 459-8933 info@pamelaotten.com Sponsored by: Pamela Otten LLC
5:00pm – 6:00pm
Market Mayhem & Economic Madness: Finding Your Way through the Maze
Consumers have been bombarded with apocalyptic news about the economy and market. In this eye-opening seminar, Robert J. Kuehl dispels the barrage of doomsday reports circulating in the mainstream media, arming attendees with valuable insights that will enhance both their financial and personal wellbeing. Plymouth High School,
6:15pm – 7:15pm
Medicare and You
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. Plymouth High School, 125 Highland, Plymouth, Room B207 Dorcas George (920) 893-5262 dorcas.george@veritasinvesting.com Sponsored by: Veritas Financial Services LLC
MONEY SMART WEEK | April 21-28, 2012 | PAGE 18
Plymouth High School | Tuesday, April 24, 2012 continued
6:15pm – 7:15pm
1st Time Home Buyers
More Information: Buying a home can seem overwhelming, especially when you’re experiencing it for the first time. I believe in the dream of homeownership and I will show you how to realize yours. Plymouth High School, 125 Highland, Plymouth, Room B209 Linda Serrano (920) 694-3932 lserrano@unitedone.org Sponsored by: United One Credit Union
7:30pm – 8:30pm
How to be an Intelligent Investor
How are you making your investment decisions? How do you know you are choosing thze right investments for you, even in your 401k? How do you know if your investments are doing well? Learn how to be an Intelligent Investor with Pamela Otten, the Financial Mom. Plymouth High School, 125 Highland, Plymouth, Room B203 Pam Otten (920) 459-8933 nfo@pamelaotten.com
7:30pm – 8:30pm
Seven Steps for Financial Success
Learn the 7 basic steps to financial success from visualizing success to accomplishing your goals.
Sponsored by: Pamela Otten LLC
7:30pm – 8:30pm
Finances for Couples
Ken King (920) 458-3784 kking@cccsonline.org
More Information: Money issues are one of the top sources of conflict for couples. A fun quiz will help you each identify your “money personality” and gain insights to help you start working together to meet your financial goals.
Sponsored by: Consumer Credit Counseling Service
Plymouth High School, 125 Highland, Plymouth, Room B207
Plymouth High School, 125 Highland, Plymouth, Room B201
Dorcas George (920) 893-5262 dorcas.george@veritasinvesting.com Sponsored by: Veritas Financial Services LLC
Plymouth High School | Wednesday, April 25, 2012
5:00pm – 6:00pm
5:00pm – 6:00pm
Having trouble making a house payment? Heading for or currently in foreclosure? This class will answer questions about your options and give you information about how to avoid or stop foreclosure.
More Information: Important information you should know “before” buying or selling your home.
Facing Mortgage Issues
Plymouth High School, 125 Highland, Plymouth, Room B201 Lisa Arneson (920) 458-3784 larneson@cccsonline.org
Don’t Forget Your Home Inspection
Plymouth High School, 125 Highland, Plymouth, Room B203 Greg Leibig, Certified Home Inspector (920) 451-4646 greg@4squarehi.com Sponsored by: 4 Square Home Inspections, LLC
Sponsored by: Consumer Credit Counseling Service
MONEY SMART WEEK | April 21-28, 2012 | PAGE 19
Plymouth High School | Wednesday, April 25, 2012 continued
5:00pm – 6:00pm
6:15pm – 7:15pm
Explore how a reverse mortgage works and whether it is right for your financial situation.
Explore how a reverse mortgage works and whether it is right for your financial situation.
Reverse Mortgage… Is it Right For You?
Plymouth High School, 125 Highland, Plymouth, Room B207 Karen Madson (920) 457-5626 kmadson@ccmclending.com
Reverse Mortgage… Is it Right For You?
Plymouth High School, 125 Highland, Plymouth, Room B207 Karen Madson (920) 457-5626 kmadson@ccmclending.com Sponsored by: Cherry Creek Mortgage
Sponsored by: Cherry Creek Mortgage
7:30pm – 8:30pm
6:15pm – 7:15pm
Buying a Vehicle – What You Think You Know Might Hurt You (Part 1) Learn about common myths and mistakes related to buying a car today. Learn how buying a car in the past will not work today and avoid common mistakes and traps. Plymouth High School, 125 Highland, Plymouth, Room B201 Scott Presutti, Automotive Resource Manager (920) 459-2595 | spresutti@kohlercu.com
Buying a Vehicle – What You Think You Know Might Hurt You (Part 2) Learn about common myths and mistakes related to buying a car today. Learn how buying a car in the past will not work today and avoid common mistakes and traps. Plymouth High School, 125 Highland, Plymouth, Room B201 Scott Presutti, Automotive Resource Manager (920) 459-2595 | spresutti@kohlercu.com Sponsored by: Kohler Credit Union
Sponsored by: Kohler Credit Union
Plymouth High School | Thursday, April 26, 2012
5:00pm – 6:00pm
5:00pm – 6:00pm
Learn the basic tools to develop and implement a successful spending plan to help you take control of your financial matters.
Tammy Harris (920) 458-3784 tharris@cccsonline.org
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.
Sponsored by: Consumer Credit Counseling Service
Plymouth High School, 125 Highland, Plymouth, Room B203
Beating the Financial Squeeze
Plymouth High School, 125 Highland, Plymouth, Room B201
Myths and Truths of Investing
Margaret Wittkopp (920) 893-5262 margaret.wittkopp@veritasinvesting.com Sponsored by: Veritas Financial Services LLC
MONEY SMART WEEK | April 21-28, 2012 | PAGE 20
Plymouth High School | Thursday, April 26, 2012 continued
5:00pm – 6:00pm
Love and Money: A Relationship Challenge
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.
Tammy Harris (920) 458-3784 tharris@cccsonline.org Sponsored by: Consumer Credit Counseling Service
6:15pm – 7:15pm
The Dark Side of Investing 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.
Plymouth High School, 125 Highland, Plymouth, Room B207
Plymouth High School, 125 Highland, Plymouth, Room B203
Matt Raunio (920) 459-6640 matthew.raunio@uwc.edu
Margaret Wittkopp (920) 893-5262 margaret.wittkopp@veritasinvesting.com
Sponsored by: Matt Raunio and Maureen O‘ Shea
Sponsored by: Veritas Financial Services LLC
6:15pm – 7:15pm
7:30pm – 8:30pm
Scams and Schemes to Get Your Money
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. Plymouth High School, 125 Highland, Plymouth, Room B201
Stretching Your Food Dollar
Learn basic concepts of getting more for less in your grocery shopping. Discover how to save 10% or more on your grocery bill every month. What could you do with that extra money? Plymouth High School, 125 Highland, Plymouth, Room B201 Tammy Harris (920) 458-3784 tharris@cccsonline.org Sponsored by: Consumer Credit Counseling Service
oostburg
Oostburg Public Library | Monday, April 23, 2012
5:00pm – 6:00pm
Common Sense Ways to Save
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. Oostburg Library, 213 North 8th Street, Oostburg Lisa Arneson (920) 458-3784 | larneson@cccsonline.org Sponsored by: Consumer Credit Counseling Service
MONEY SMART WEEK | April 21-28, 2012 | PAGE 21
Random Lake
Lakeview Community Library | Wednesday, April 25, 2012
5:00pm – 6:00pm
How to Identify and Prevent 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. Lakeview Community Library, 112 Butler Street, Random Lake Christine Freund (920) 467-4120 | hinricah@co.sheboygan.wi.us Sponsored by: Sheboygan County Health & Human Services
6:15pm – 7:15pm
You and Your Credit Report
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.
Est. 1954
Lakeview Community Library, 112 Butler Street, Random Lake Matt Kautzer (920) 458-3784 mkautzer@cccsonline.org Sponsored by: Consumer Credit Counseling Service
cedar grove Cedar Grove Public Library Thursday, April 26, 2012
“Celebrating our 56th Year in Business” 1707 Indiana Ave.—4019 Hwy 42 459-5151 24 Hour Loan Line 459-5154 www.shebareacu.com We have money to lend. Deans List for fair and ethical practices 24X7 Loans Expert Advice
4:00pm – 5:00pm
Meet Penny the Pig
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 Avenue, Cedar Grove Jeannine Folan (920) 458-3784 jfolan@cccsonline.org
Payments to fit your budget Home Loans, Home Improvements, Vehicle Loans, Credit Cards, Personal Loans Free Online Banking & Billpay Free Checking with Direct Deposit Debit Cards
Sponsored by: Consumer Credit Counseling Service MONEY SMART WEEK | April 21-28, 2012 | PAGE 22
senior meal sites Cascade | Monday, April 23
Plymouth | Thursday, April 26
11:30am – 12:00 Noon
11:30am – 12:00 Noon
Money to help finance your retirement is locked up in the equity of your home. You can find out how to get it when you need it the most.
Explore how a reverse mortgage works and whether it is right for your financial situation.
Reverse Mortgages for Seniors
Reverse Mortgage…Is it Right For You?
301 Milwaukee Avenue, Cascade
Intergenerational Center, 1500 Douglas Drive, Plymouth
James Cullen (920) 265-0949 james.w.cullen@wellsfargo.com
Peggy Ayers (920) 457-5626 payers@ccmclending.com
Sponsored by: Wells Fargo Home Mortgage
Sponsored by: Cherry Creek Mortgage
Howards Grove | Tuesday, April 24
Sheboygan Falls | Thursday, April 26
11:15am – 12:00 Noon
11:15am – 12:00 Noon
Money to help finance your retirement is locked up in the equity of your home. You can find out how to get it when you need it the most.
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.
Reverse Mortgages for Seniors
Village Hall, 913 South Wisconsin Drive, Howards Grove James Cullen (920) 265-0949 james.w.cullen@wellsfargo.com Sponsored by: Wells Fargo Home Mortgage
Adell | Tuesday, April 24
Medicare and You
650 Forest Avenue, Sheboygan Falls Dorcas George (920) 893-5262 dorcas.george@veritasinvesting.com Sponsored by: Veritas Financial Services
Sheboygan | Thursday, April 26
12:30pm – 1:00pm
11:15am – 12:00 Noon
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.
Money to help finance your retirement is locked up in the equity of your home. You can find out how to get it when you need it the most.
How to Identify and Prevent Financial Elder Abuse
Reverse Mortgages for Seniors
Zion Church, 1125 North 6th Street, Sheboygan
510 Seifert Street, Adell
James Cullen (920) 265-0949 james.w.cullen@wellsfargo.com
Christine Freund (920) 467-4120 hinricahygan.wi.us
Sponsored by: Wells Fargo Home Mortgage
Sponsored by: Sheboygan County Health & Human Services
MONEY SMART WEEK | April 21-28, 2012 | PAGE 23
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MONEY SMART WEEK | April 21-28, 2012 | PAGE 24
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