Money Smart Week 2015

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Here’s Your Chance to Be Smarter About Money You might be 13, 33 or 83. You need to know how to spend, save, borrow and invest money wisely. If you don’t, others take advantage of your ignorance.

That’s why the Iowa JumpStart Coalition hosts Money Smart Week, along with about 200 businesses and organizations and the Federal Reserve Bank of Chicago. This week is filled with free financial education events for everyone, without the pressure of buying financial products.

These Money Smart Week partners, listed on the back page, will teach dozens of financial workshops, choose contest winners, and host investor conferences, kite festivals, cycling events, shred days and scout nights. Join us!

M o n e y S m a r t We e k . o r g

Money Smart Week is April 18-25. Come to learn...and have fun!

Smart Phone Could Soon Be Your Virtual Wallet A simple touch with your phone and you’ve paid for a purchase. A virtual wallet like Apple Pay is a contact-less payment option that accepts most major credit and debit cards. It works like this:

1. Add your credit or debit card number to Passbook (an app).

2. A unique Device Account Number (DAN) is assigned, encrypted and securely stored to a dedicated chip in the phone.

3. When your phone touches the retailer’s terminal, the DAN and a security code is processed for payment.

4. The DAN is actually a stand-in for your real credit card number, and your actual credit card number is never shared.

5. Apple Pay does not store the details of the transaction. iowa insurance division

April 18-25...

THE week to Get Smart!

out the back page to find 1. Check events. Or scan the QR code.

2. Attend free events near you.

3. Learn and boost your money IQ!

See Inside For...

q Protecting Your Data...............page 2

q Chips vs. Strips..............................page 4

q Borrowing Basics........................ page 6

q College Debt................................page 7

Find Great Websites Scan in this QR code with your mobile device to link to the websites in this publication, or find them at EveryoneCanSave.org

Scan this QR code

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So…You Want to be Connected?

So…You Want to be Connected?

Security breaches breachesare arecommon commonas ashackers hackerslove love Security see more more devices devicesconnected connectedto tothe theInternet.

Internet. to see

Data Accessibility...

Data Accessibility...

While it’s it’sconvenient convenientfor foryou youto tohave haveall allyour yourdata data While accessibleby byphone, phone,tablet, tablet,computer computerand andmore, more, accessible it’s it’s also also conveniently convenientlyaccessible accessiblefor forthieves. thieves.An An estimated estimated25 25billion billiondevices deviceswill willbe beconnected connected to to the the Internet Internetthis thisyear. year.They Theycollect, collect,transmit, transmit, store, store, and andshare sharetremendous tremendousamounts amountsofofsome somehighly highly confidential confidentialdata dataon onconsumers. consumers.

Here are are risks risks you you may may not Here not have have considered, considered,and andhow howto toprotect protectyourself: yourself:

Smart phones can can be be infected infected with with malware. malware.Even Evenseemingly seeminglyharmless harmlessapps appsmay may •• Smart

access too too much much information. information. Don’t access Don’t be be too tooquick quickto toclick click“accept.” “accept.”Understand Understandwhat what permissions you are giving and to whom.

Also, it’s a good idea to lock your phone permissions you are giving and to whom. Also, it’s a good idea to lock your phonewith with password. aa password.

Smart televisions televisions offer offer hackers hackers aa path pathinto intoyour yourhome. home.The Thenew newversions versionsreact react •• Smart to voice commands, which means a listening device is incorporated.

••

to voice commands, which means a listening device is incorporated.

Home automation, automation, webcams Home webcams and and security securitysystems systemsoffer offerthieves thieves home access. home access.

New vehicles vehicles use use wireless wireless technology technologythat thatcan canbe behacked hackedwhile whileininmotion. motion.Google, Google, •• New Inc. has created an operating system for cars that allows drivers to use voice controls Inc. has created an operating system for cars that allows drivers to use voice controls tonavigate. navigate. This This technology, technology, in to in addition additionto toInternet Internetconnectivity, connectivity,makes makesititeasier easiertotohack hack remotely. (Manufacturers collecting driving and performance data may or may not be remotely. (Manufacturers collecting driving and performance data may or may not be informing the vehicle owner, sharing their info with third parties, or offering an opt-out.) informing the vehicle owner, sharing their info with third parties, or offering an opt-out.)

Wearables (like (like fitness fitness bands, bands, smart smartwatches, watches,earphones) earphones) •• Wearables store personal data. Apps tied to your smart phone can be infected with malware and

•• ••

store personal data. Apps tied to your smart phone can be infected with malware and compromise privacy, if your data is transmitted to others without your consent. compromise privacy, if your data is transmitted to others without your consent.

Google Glass, a hands-free, head-mounted intelligent wearable that looks Google Glass, a hands-free, head-mounted intelligent wearable that looks like glasses, is powered by the Android operating system, and wearers use voice like glasses, is powered by the Android operating system, and wearers use voice commands to access the Internet. It also records what’s happening around the wearer, commands the Internet. which couldtobeaccess a privacy issue. It also records what’s happening around the wearer, which could be a privacy issue.

Cloud providers (and there are many) store data at remote locations. Users may Cloud providers there arehowever, many) store datacompromise at remote locations. or may not use a secure(and connection, and may all data. Users may or may not use a secure connection, however, and may compromise all data.

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And Data Collection ......And Data Collection Securitydepends depends merchants, third Security onon merchants, third parties,and andhealthcare healthcare providers. parties, providers.

It’sstill stillprofitable profitable thieves target banks, It’s forfor thieves toto target banks, retailers,and and organizations, like health care retailers, organizations, like health care providers, universities and entertainment providers, universities and entertainment companies.

Even though these data collectors companies.

Even though these data collectors mayhave havestepped stepped security, you should may upup security, you should protect own information and: protectyour your own information and: anan identifier other than use identifier other than Asktotouse 44 Ask your Security number. yourSocial Social Security number.

collectors toto shred data collectors shred Askdata 44 Ask

discarded documents that contain your discarded documents that contain your information, oror take them. information, take them.

accounts forfor fraud. financial accounts fraud.

44 Monitor Monitorfinancial secure websites when only secure websites when 44 Use Useonly shopping online.

shopping online.

give permission toto online sites 44 Do not give permission online sites Donot (and limit the number) that store your

(and limit the number) that store your credit information. creditcard card information. credit reports regularly.

4 Check your credit reports regularly.

Checkyour

4 information, forms, 44 Shred personal information, forms, Shredpersonal statements, and receipts not needed. statements, and receipts not needed. software often forfor 44 Update security software often Updatesecurity your computers and cell phones. your computers and cell phones.

not transmit sensitive data over an 44 Do Do not transmit sensitive data over an unsecure or public WiFi connection.

unsecure or public WiFi connection.

strong passwords and change 44 Use strong passwords and change Use often. them

them often.

I f of a security breach that 44 Inotified f notified of a security breach that involves your information, change involves your information, change account numbers and passwords. account numbers and passwords. an identity theft monitoring 4 Consider an may identity theft monitoring Consider 4service, which be offered by your service, which may be offered by your bank or credit union. bank or credit union.

Psssst….Here’s the Password for Online Sites Psssst….Here’s the Password for Online Sites Most of us collect too many passwords to remember. Plus, we’re encouraged to make them tricky and change them routinely.

Most collect too many we’re safer: encouraged to make them tricky and change them routinely.

Here of areusthe two best thingspasswords you can doto toremember. make your Plus, passwords Here are the two best things you can do to make your passwords safer: 1) Creating each password with one uppercase letter, three numbers and a symbol makes it harder to break.

1) each password with system. one uppercase letter, three numbers a symbol makes it harder to break.

2) Creating Use a password management For a nominal fee, use one likeand Keeper Password Manager at the Google Store. Find free ones at:

2) Use a password management system.

For a nominal fee, use one like•Keeper Password •Manager at the Google Store. Find free ones at: • lastpass.com • agilebits.com/onepassword dashlane.com keepass.info roboform.com roboform.com • lastpass.com • agilebits.com/onepassword • dashlane.com • keepass.info

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Phone Hackers Find Your Number So you’re using your smart phone and a screen appears saying, your device is “locked due to violation of federal laws” and you’re told to pay a fine. It looks very official. You’re asked for several hundred dollars on a prepaid debit card.

The Better Business Bureau (BBB) says it’s a scam. This insidious malware is known as “ransomware” and appears disguised as another app or when you click on an infected file or link. Contact your phone provider to remove the ransomware.

BBB gives these tips to protect mobile devices:

o Protect your phone with a password. o Use virus protection software. o Be very careful what you download. o Download apps through the official app store.

Cell Phone Bills Too Costly?

o Don’t download discontinued apps. o Read the user reviews before downloading an app. o Keep security software current . o Be careful how you use public Wi-Fi. Do not do online banking. o Adjust security settings to limit who can access your device.

Save money by switching to a discount wireless carrier when your contract is done. A new federal law requires wireless providers to release your phone at your request.

Discount carriers buy minutes and data wholesale from major carriers (such as Sprint and Verizon) and resell at a discount. You can find discount calling plans at carriers such as RingPlus.net, StraightTalk.com, or CricketWireless.com (AT&T subsidiary).

Some have prepaid cell phones, and many do not lock in a contract. Just make sure your phone is compatible with the carrier, so check whether it uses CDMA or GSM technology. According to PC Magazine, cell phones are aligned with one of these two major radio systems that are not yet interchangeable.

Synthetic Identity Theft Even fake people can get credit. It’s called synthetic identity theft.

This means a thief steals bits and pieces of data, uses a real Social Security number and creates a fictitious identity and name for a “new” person. The Federal Trade Commission estimates that 85% of identity theft is now considered synthetic identity theft.

It takes an average of 220 days to discover identity theft in your accounts, and every three seconds, there is a new victim according to the U.S. Department of Justice.

S ma r t P h o n e u se r s r i se stead i ly More than half - 55% - of the U.S. population will be using smart phones by the end of 2015. By 2017, it will hit 63.5%.

Just five years ago, only one in five had a smart phone, according to Statistica.

Source: eMarketer © Statista 2015

Iowa JumpStart Coalition hosts its annual teacher training conference in July at Des Moines Area Community College in Ankeny. Educators can get plenty of new ideas for teaching personal finance.

For updates and registration, go to IowaJumpstart.org.

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Chip vs. Strip Credit Cards The U.S. still lags behind in credit card security

By October 2015, most Visa, MasterCard and American Express credit cards will finally be using chip (EMV) security. That’s almost ten years after adoption in the United Kingdom.

After October, U.S. banks not issuing chip cards—and merchants not accepting them—are liable for any incurred fraudulent charges. Already adopted in many foreign countries, chip technology makes it harder to counterfeit cards, especially when paired with a PIN. That’s why most countries use chip-and-pin cards, so buyers swipe their card and enter a PIN, Personal Identification Number. In contrast, most U.S. issuers will use chip-and-signature cards, which means you still sign for the transaction. They will eventually move to chip-and-pin cards.

How can you tell if your current card is EMV (that stands for Europay, MasterCard and Visa)? Look for a small silver chip and four blue lines on the front. That means the card is NFC—Near Field Communication—capable, and it will send a cryptogram verifying legitimacy when the card is within two inches of an NFC terminal.

The card’s chip creates a unique, one-time transaction code every time the card is used for payment. With the old magnetic-strip cards, the data stayed the same, making it easy to replicate and perfect for counterfeiters. While EMV cards won’t prevent data breaches, it does stop a counterfeiter from using the data again.

Another added security feature? Bank issuers are comparing the cardholder’s mobile phone location to the location of where the credit card is being used. There is concern the card could be stolen if they don’t match.

Should You Freeze Your Credit?

Worried about identity theft or already experienced several breaches?

You might want to freeze your credit or use a fraud alert.

A fraud alert allows someone to get a copy of your credit report if they can verify your identity, and it’s free. A freeze restricts access to your credit report entirely, and you typically pay a $5-10 fee per agency.

A freeze or fraud alert does not affect your credit score, stop pre-screened offers for credit, or prevent you from getting your free annual credit report from annualcreditreport.com.

To order a credit freeze, you must contact each credit reporting agency:

o o o

Equifax – 800.525.6285

Experian – 888.397.3742 TransUnion – 800.680.7289

Secrets About Credit About 90% of the top lenders use FICO® scores to make lending decisions. According to FICO, the information on your three credit reports could vary because: ➜➜ Lenders are not required to notify all three credit reporting agencies—or any of them. ➜➜ Each agency processes data differently.

➜➜ Even if one FICO score is high, you could be dinged by one of your lower scores. ➜➜ Each lender uses different criteria to evaluate credit scores. ➜➜ Lenders usually report account performance once a month, but not necessarily at the time you pay your credit card bill.

You will supply your

full name, address, birth date, Social Security number and other personal information. Each agency sends a confirmation letter and a PIN (Personal Identification Number) that you use to lift the freeze. The freeze remains in place until you request it be lifted, and there may also be a fee to do so.

You can place a fraud alert to protect your credit from unverified access for 90 days to 7 years. To do this, contact one of the credit reporting agencies listed here and give proof of your identity. This agency must tell the other two agencies.

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Protect Your Credit!

Reduce your risk of identity theft with these tips from the Federal Trade Commission:

• Ask questions before sharing your Social Security number.

• Limit who gets your personal data, especially third parties.

• Don’t share personal info or health plan data unless you initiate the contact.

A new booklet, Financial Self-Defense Guide for Seniors, with reallife scams and common situations of financial abuse, is available from the Certified Financial Planner Board of Standards. To get it, call 800.487.1497 or download at goo.gl/V3dzfa.

Know the red flags

Take copies to appointments.

• Limit the credit and debit cards you carry.

• Opt out of pre-screened credit and insurance offers at optoutprescreen.com.

• Lock financial documents and records in a safe place at home.

• Don’t leave mail set in an unsecure mailbox.

• Destroy labels on prescription bottles before tossing.

• Shred!

Be Secure on Electronic Devices

• Keep passwords private, change them often, make them hard to guess.

• Don’t click on email links, but type in the company name.

• Keep your browser secure.

• Use encryption software to guard online transactions.

• Limit how much you share on social networking sites.

• Install anti-virus and anti-spyware software. Update often.

• Use a firewall.

• Don’t download files or links unless you know the source.

• Use a secure wireless network, not public wi-fi, if sending personal information or making purchases.

• Read privacy policies! Boring, yes. But you will see how Do These Regularly:

Look at your credit report.

…Self Defense

FINA NCIA L E GUID E SELF -DEF ENS FOR SEN IORSabuse

• Leave Social Security and Medicare cards at home.

your information is being used.

Get the Latest on…

Check your bank accounts.

Read your monthly statements.

Stop Identity Theft Quickly

If you think you have been scammed, contact local law enforcement and: Iowa Attorney General: 800.777.4590 Federal Trade Commission: ftc.gov Social Security Administration (fraud line): 800.269.0271

and avoid financial

…Returns vs. Risk A consumer guide Reviewed by Federal

from Certified

Financial Planner

s, Inc.

Board of Standard

n Center, U.S. General

Citizen Informatio

ation Services Administr

Where can you park investments and savings for a better return this year?

Lower interest rates are driving many into riskier investments. According to Nobel-prize wining economist Robert Schiller, investors won’t see the same returns as in the past. Realistically, you just have to save more, he said.

Remember, the greater the return, the greater the risk.

…Banking Trends • Have you noticed online and mobile banking is keeping customers from walking into banks? Over 4,000 branches have closed since 2010.

• The need to use cash is declining and so is the ATM (Automated Teller Machine).

Some banks are reinventing ATMS as “mini branches.”

• A majority of customers want rewards for everyday banking activities and are trying to conserve money, according to a recent survey from Bank of America.

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Borrowing Basics for College Students What Matter’s Most?

Mark Kantrowitz, an expert on financial aid and publisher of FinAid.org and FastWeb.com, offers this rule of thumb: “If total education debt is less than annual

The big question to answer? Is your future salary after graduation adequate to pay off the loans? IHaveaPlanIowa.gov has dozens of resources for parents and students, including the ICSAC slope calculator at goo.gl/Zc0pe.

Before you Borrow

How to Repay

1. Know your costs to attend before you

If you’ve borrowed and are about to repay…

decide to borrow. Most students pay less than a college’s published price.

2. Find a sticker price for tuition around

Grad Can Get Loan History

the U.S., at the College Board: https://bigfuture.collegeboard. org/pay-for-college/college-costs.

3. Find tuition and fees for Iowa colleges

and universities at iowacollegeaid.gov.

Students with federal loans can use the government’s student aid database at nslds.ed.gov to access the status of each loan, outstanding balances, disbursements, and total loan debt.

For this school year, the Iowa Board of Regents froze tuition at the three state universities.

Money Smart Week Partners AARP Advantage Credit Union Advantage Tax Service Albion Municipal Library Alliant Credit Union Alton Public Library American Bank American Bank and Trust American National Bank American State Bank American Trust & Savings Bank Ameriprise Financial Ames Public Library AO Wealth Advisory Ascentra Credit Union Bank First Bank of the West Bank On Dubuque Bankers Trust Beginnings Bettendorf Public Library Black Hawk College Blackhawk Bank & Trust Boy Scouts of America, NE Iowa Council & Mid-America Council

income, the borrower will be able to repay the loans in about 10 years. If total debt exceeds annual income, the borrower will struggle to repay the loans and will need an alternate repayment plan, like extended repayment or income-based repayment, in order to afford the monthly loan payments.”

Boyden Public Library Burlington Public Library Carnegie-Stout Public Library Carrie Houchins-Witt Tax & Financial Services Cedar Falls Community Credit Union Cedar Falls Community Schools Cedar Falls Public Library Cedar Rapids Bank & Trust Cedar Rapids Public Library Cedar Valley United Way Center for Active Seniors-CASI Center for Financial Education Center for Siouxland- Consumer Credit Counseling Central Financial Group CenturyLink Citizens Community Credit Union Citizens Savings Bank Citizens State Bank City of Cedar Rapids Clarke University Clear Lake Public Library Collins Community Credit Union Community Bank & Trust Community Bankers of Iowa

1. Research your options on repayment plans,

grace periods, and consolidation. Get set up to repay in a way that is most beneficial to you.

2. As with any loan, don’t miss payments. Set up a reminder system on your phone, especially for that first payment. Better yet, set up auto-pay with your bank or credit union.

3. If you find you can’t repay, don’t default! Talk with your lenders and work out a plan.

Most borrowers have options. Use the calculator at direct.ed.gov to estimate repayment.

Community Corrections & Improvement Assn.

Community Education Foundation Community First Credit Union Community Foundation of Greater Des Moines Connections Area Agency on Aging Conrad Public Library Consumer Credit Counseling Service of NE Iowa Consumer Credit Counseling Service of Nebraska Consumer Credit of Des Moines Council Bluffs Public Library Council Bluffs Savings Bank Cresco Union Savings Bank Creston Chamber of Commerce Creston Community School District Crossroads Mall CSBank Davenport Public Library Des Moines Area Community College Des Moines Metro Credit Union Des Moines Public Library DHCU Community Credit Union Dickinson Investment Advisors Document Destruction and Recycling Services

Dordt College- Iowa Center for Economic Education Dubuque County Library Dupaco Community Credit Union DuTrac Community Credit Union DynaMinds Publishing Family Management Credit Counselors Inc Farm Bureau Financial Services Federal Reserve Bank of Chicago Fidelity Bank & Trust Financial Architects Inc Financial Plus Credit Union First American Bank First Midwest Bank Wealth Management First National Bank First State Bank Fort Dodge Community Foundation Fort Dodge Family Credit Union Fort Dodge Housing Agency Fort Dodge Public Library Fort Dodge Young Professionals Foster Grandparent Program Frontier Community Credit Union Garner Public Library Generations Area Agency on Aging Gibson Memorial Library

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Did You Know?

Student Loan Debt

Workforce #s ...Millennials—18 to 35 year olds—comprised about 25% the workforce in 2014, which will skyrocket to 50% by 2020, according to the recent PWC “Millennials at Work” Survey.

Before 2009, student loans comprised the smallest form of household debt. Today, it’s the highest. The Federal Reserve Bank of New York recently studied America’s student loan landscape, revealing that:

Credit score info...A survey by Consumer Federation of America and

VantageScore Solutions, shows 18- to 34-year-olds know less than others about credit scores.

Many borrowers are delaying repayment or defaulting.

Non-Mortgage Balances

Growth of student debt appears to stifle household formation and homeownership.

* Iowa college seniors owed an average of $29,456 for 2012-13, says CollegeInSight.com.

Money Smart Week Partners (continued) Girl Scouts of Eastern Iowa & Western Illinois Girl Scouts of Greater Iowa Grady Home Great Western Bank Greater Iowa Credit Union Hawarden Public Library Hawkeye Community College Health Services Credit Union Heartland Family Service Heritage Area Agency on Aging Horizons A Family Service Alliance Hospers Public Library Hull Public Library Hy-Vee Inc. ICA Wealth Advisors IH Mississippi Valley Credit Union ILIowa Council-Boy Scouts of America Independence Public Library Info Dog Security Integrity Financial Group Iowa Attorney General’s Office Iowa Bankers Association Iowa Center for Economic Success Iowa Central Community College Iowa Children’s Museum Iowa City Public Library Iowa College Access Network Iowa Community Credit Union

Iowa Credit Union Foundation Iowa Heartland Habitat for Humanity Iowa Insurance Division Iowa Library Services Iowa National Guard Iowa Small Business Development Center Iowa Society of CPAs Iowa State Bank Iowa State Savings Bank Iowa State University Extension & Outreach Iowa Student Loan Iowa Western Community College Iowa Workforce Development IowaWorks, Southern Hills James Kennedy Public Library Johnson, Kramer, Good, Mulholland, Cochrane & Driscoll, P.L.C. Johnston Public Library Junior Achievement of Eastern Iowa Kanesville-Tinley Neighborhood Kaplan University Libraries Kathleen Kohorst Law Firm Kendall Young Library Knoxville Public Library Kuster Ltd. Legacy Financial Group Lifetime Financial Advisors Lincoln Savings Bank Linn Area Credit Union

Linn County Loras College Malvern Trust & Savings Bank Marion Public Library Matura Action Corporation McGowen, Hurst, Clark & Smith, PC Mid-Iowa Credit Counseling Midland Credit Union Midlands Latino Community Development Corp Midwest Community Credit Union MidWestOne Bank Moline Public Library Morgan Stanley Morningside College MSCB, Inc. Nelson Corp Wealth Management Norelius Community Library North Liberty Public Library Northeast Iowa Area Agency on Aging Northeast Iowa Community College Northwest Bank Northwest Bank & Trust Company Omaha National Community Response Team Operation Threshold Orange City Public Library PCSB Bank Pella Public Library Peoples Bank

Million

There are 43 million borrowers, owing an average of about $27,000.

39%

The Fed study cited four factors contributing to the debt increase: more people attending college, longer college stays, rising college costs, and student loans were cheaper for parents.

Source: Federal Reserve Bank of New York Consumer Credit Panel/Equifax.

Note: HELOC is home equity line of credit .

43

Borrow

Almost 39% of borrowers owe less than $10,000.

4%

Owe

About 4%–1.8 million borrowers–owe more than $100,000.

Peoples Credit Union Polk County Credit Union Premier Advisors LLC Premier Bank Premier Investments of Iowa, Inc. Primebank Principal Bank QC Dollarwise Quad City Bank & Trust Quad-City Times RBC Wealth Management RIA Federal Credit Union Riverbend Financial Group Rock Island Public Library Rock Island-Milan School District Royal Neighbors Foundation SAC Federal Credit Union Scott Community College Second District Chapter of Credit Unions Shelby County Investment Center Shelby County State Bank Silvis Public Library Sioux Center Public Library Sioux Valley Community Credit Union Solidarity Microfinance Solon Public Library Southern Prairie YMCA Southwest 8 Senior Services Southwestern Community College For a listing of more partners, see page 8.

Money Smart Events Free in g ne ar yo u!

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C e d a r V a ll e y

C om

MoneySmartWeek.org Time

Event

Location

(Continued from pages 6-7.)

Cedar Falls-Waterloo Wednesday, April 15 4-5:30pm

Budget Basics

Operation Threshold, 1535 Lafayette St, Waterloo

11am-1pm

GeoCache for College Cash

University of Northern Iowa, Rod Library, Cedar Falls

8:30am-5pm

DASH for the STASH

U.S. Bank lobby, Waterloo and Cedar Falls locations

Monday, April 20

Invent & Invest in Your Second Career

AARP Tele-Town Hall, phone in seminar

5-7pm

Money Smart Financial Education

Waterloo Center for the Arts, 225 Commercial St., Waterloo

5-7pm

Money Smart Youth Night

YMCA, 669 S. Hackett Rd., Waterloo

8:30am-5pm

DASH for the STASH

U.S. Bank lobby, Waterloo and Cedar Falls locations

DASH for the STASH

U.S. Bank lobby, Waterloo and Cedar Falls locations

5:30-6:30pm

Money Smart Kids READ

Cedar Falls Community Credit Union, 123 W. 4th St, Cedar Falls

8:30am-5pm

DASH for the STASH

U.S. Bank lobby, Waterloo and Cedar Falls locations

DASH for the STASH

U.S. Bank lobby, Waterloo and Cedar Falls locations

Money Smart Financial Education

Waterloo Center for the Arts, 225 Commercial St., Waterloo

Money Smart Financial Education

Waterloo Center for the Arts, 225 Commercial St., Waterloo

7-8pm Tuesday, April 21

Wednesday, April 22 8:30am-5pm Thursday, April 23

Friday, April 24 8:30am-5pm Tuesday, April 28 5-7pm Tuesday, May 5 5-7pm

GeoCache for College Cash

DASH for the STASH April 18-25

Working adults can play for a chance to win $1,000 in an Individual Retirement Account.

Scan QR code for list of events

11am-1pm, Monday, April 20 University of Northern Iowa, Rod Library, Cedar Falls College students can play for a chance to win $1,000 in college tuition.

St Ambrose University St. Paul’s United Methodist Church Strong Estate LLC Sumner Public Library Taxpayer Advocate Service Taylor Financial Team Rock Island Telco Triad Community Credit Union The ARC of the Quad Cities The Crazy Man in the Pink Wig LLC The Family Credit Union The Family Museum The First National Bank in Creston Thrivent Financial for Lutherans Town & Country Credit Union Town & Country Insurance Transamerica Financial Advisors Inc Tri State Shred Inc Triangle Financial Services TS Bank TS Bank Institute U.S. Bank U.S. Senator Charles Grassley’s Office U.S. Small Business Administration UNI John Pappajohn Entrepreneurial Center Union County Development Association United Bank of Iowa United Way of Central Iowa United Way of East Central Iowa United Way of Siouxland University of Iowa University of Northern Iowa Urbandale Public Library US Small Business Administration Veridian Credit Union VisionPoint Advisory Group VW Advisors Waterloo Housing Authority Waterloo Public Library WCF Financial Bank Wealth Advisors of Iowa LLC Webster City Area Chamber of Commerce Weissenburger Investments & Financial Planning Inc Wells Fargo Wells Fargo Advisors Wells Fargo Home Mortgage West Bend Public Library Winthrop Public Library WinnerLynk Advisory Group YWCA of Black Hawk County