Money Smart Week

Local businesses and organizations have teamed

up to sponsor personal fi nancial education.

Free seminars at various locations will cover

topics ranging from budgeting to homebuying

to estate planning.

soon to be

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Governor’s Council on Financial Literacy

Dear Friends,

I am pleased to write this message of support for the 2015 Money Smart Week Wisconsin, scheduled for April 18-25 in communities across the state. Nearly 30 organizing teams 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.

I am pleased to join the Governor’s Council on Financial Literacy, the Wisconsin Department of Financial Institutions, the Chicago Federal Reserve Bank, and the many organizers in support of Money Smart Week. 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 partners, educational opportunities will abound during this week-long focus on personal finance.

On behalf of the Governor’s Council on Financial Literacy, I encourage all Wisconsin citizens to improve their financial well-being by taking part in the Money Smart Week activities in their communities. This annual event, first held in 2006 in Wisconsin, truly makes a difference in the lives of many Wisconsin citizens.

I hope you and your families will take advantage of the wonderful programs that will be made available as part of Money Smart Week.

Sincerely,

Tonette Walker

First Lady of WisconsinAmbassador, Governor’s Council on Financial Literacy

WI Department of Financial Institutions, Office of Financial LiteracyMail: PO Box 7846, Madison, WI 53707-7846 • Courier: 201 W. Washington Ave. Ste. 300, Madison, WI 53703

Voice: (608) 267-1713 • Fax: (608) 267-6813 • TTY: (608) 266-8818 • Internet: www.wdfi.org

Saturday, April 18 • 9 am – noonMemorial Mall parking lot (east of Sears) • 3347 Kohler Memorial Dr., Sheboygan

cccsonline.org

Sponsored by:

Shred Fest & Cellphone ★ Free Recycling Event

❏ 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

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Monday, April 20 5 – 6 p.m.Funeral Pre-Planning GuidanceSponsored by: Reinbold – Novak Funeral HomeThis presentation will cover all aspects of funeral pre-planning with a time for questions and answers.» Horace Mann Middle School, 2820 Union Ave., room 123» Mike Reinbold (920) 452-7711, [email protected]

5 – 6 p.m.Your Financial Aid Journey in 5 StepsSponsored by: Wells Fargo Education Financial ServicesLearn the 5 steps to estimate total education costs and financing options. A “must attend” session for parents and anyone pursuing higher education.» Horace Mann Middle School, 2820 Union Ave., room 124» Jane Lemke (920) 996-2231, [email protected]

5 – 6 p.m.Working with an Investment Advisor: What to ConsiderSponsored by: Veritas Financial Services, LLCThe financial services industry can be very confus-ing. 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. This class will cut through all of the industry speak and examine what the all the titles mean, how professionals in the indus-try get compensated, their duties, and the important issues to consider when working with and advisor.» Horace Mann Middle School, 2820 Union Ave., room 125» Jeremy Burri (920) 893-5262, [email protected]

5 – 6 p.m.Home Remedies for GardenersSponsored by: Rob Zimmer, Yard MDLooking for cost effective ways to make your garden thrive? Learn about money saving tips and ways to avoid using harmful chemicals and pesticides.» Horace Mann Middle School, 2820 Union Ave., room 126» Rob Zimmer (920) 851-8996, [email protected]

5 – 6 p.m.Piggy Bank ProgramSponsored by: Thrivent FinancialFor parents and their children ages 3-10. Tips for kids on spending and saving money. All children with a parent will receive a piggy bank. » Horace Mann Middle School, 2820 Union Ave., room 128» Tim Saeger (920) 451-1775, [email protected]

6:15 – 7:15 p.m.Medicare: What You Need to KnowSponsored by: Insurance Solutions of WisconsinDo the A, B, C and D’s of Medicare have you confused? We’ll discuss the federal Medicare program, including what it does/does not pay for. We will explain options to fill in the gaps of Medicare coverage and get the most from your healthcare dollars.» Horace Mann Middle School, 2820 Union Ave., room 123» Dorcas George (920) 268-1600, [email protected]

6:15 – 7:15 p.m.Economic UpdateSponsored by: Thrivent FinancialUpdates on financial markets and the economy and what it means to your financial strategies.» Horace Mann Middle School, 2820 Union Ave., room 124» Cesar Lemus (920) 892-2000, [email protected]

6:15 – 7:15 p.m.It’s ScienceSponsored by: Veritas Financial Services, LLCIt might surprise you, but the financial markets have been studied for over 50 years by academia. While finance may not have as many laws and theories as physics and chemistry, there are several ideas and theories that are widely accepted. This class will talk about these theories and how they are applied by institutional investors.» Horace Mann Middle School, 2820 Union Ave., room 125» Jeremy Burri (920) 893-5262, [email protected]

6:15 – 7:15 p.m.Beating the Financial SqueezeSponsored by: Consumer Credit Counseling ServiceLearn 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 128» Jeannine Folan (920) 458-3784, [email protected]

7:30 p.m. – 8:30 p.m.Preparing for Long-Term Care – A Gift your Family DeservesSponsored by: Thrivent FinancialLearn about long-term care and how you and your family members can prepare for it – emotionally, physically, and financially.» Horace Mann Middle School, 2820 Union Ave., room 124» Cesar Lemus (920) 892-2000, [email protected]

7:30 – 8:30 p.m.Choosing Your Investment PhilosophySponsored by: Veritas Financial Services, LLCDo you believe that some investment firms have the ability to predict market movements, and which stocks will be the top performers? Or, do you believe that the randomness of life and markets makes that impos-sible? Or are you unsure? We will examine how your beliefs should govern how your portfolio is managed.» Horace Mann Middle School, 2820 Union Ave., room 125» Jeremy Burri (920) 893-5262, [email protected]

7:30 – 8:30 p.m.The First time Homebuyer: What is Expected of You Sponsored by: Community Bank & Trust soon to be Wisconsin Bank & TrustBuying your first home can be overwhelming, but the benefits of being a homebuyer make it all worthwhile. Own a home that suits your needs and lifestyle, establish credit, receive tax benefits, and stop throwing your money away on rent. We are the experts and we will work with you in making your dreams become a reality!» Horace Mann Middle School, 2820 Union Ave., room 126» Wendy Conto (920) 208-1111, [email protected]

continued on page 4

Horace Mann Middle School | 2820 Union Avenue • Sheboygan

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7:30 – 8:30 p.m.Common Sense Ways to SaveSponsored by: Consumer Credit Counseling ServiceWe 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 128» Jeannine Folan (920) 458-3784, [email protected]

Tuesday, April 21 5 – 6 p.m.What To Do With Your Company Retirement Plan Sponsored by: Pamela Otten LLCYour company has a 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 company retirement plans. Taught by Pamela Otten, the Financial Mom.» Horace Mann Middle School, 2820 Union Ave., room 123» Pam Otten (920) 459-8933, [email protected]

5 – 6 p.m.So You Want To Be An Entrepreneur? Sponsored by: Lakeshore Technical College Center for EntrepreneurshipHave you been thinking about starting your own

business, but just don’t know where to start? This session is for you and will cover the following topics:• 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 » Horace Mann Middle School, 2820 Union Ave., room 124 » Kristin Bell Abell (920) 693-1658, [email protected]

5 – 6 p.m.Planning for Social Security Sponsored by: Kohler Credit UnionThis 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. » Horace Mann Middle School, 2820 Union Ave., room 125» Thomas Binversie, Financial Advisor (920) 783-2311, [email protected]

5 – 6 p.m.How to Get Out of Debt FasterSponsored by: Consumer Credit Counseling ServiceLearn 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, [email protected]

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Same bank, new look. While our resources will be expanding, the dedication to personal service our customers have always received continues. Come see how we can make Great Things Happen™ for you!

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Horace Mann Middle School | 2820 Union Avenue • Sheboygan 6:15 – 7:15 p.m.Investing 101: How To Get Started As An InvestorSponsored by: Pamela Otten LLCIf you don’t know what a stock or bond or mutual fund is, this class is for you. Investing 101 will cover different types of investments, what they are used for, and different types of investment accounts to put them in. We will also cover impor-tant investing concepts, common mistakes, risk, time horizon, and behavior. Taught by Pamela Otten, the Financial Mom.» Horace Mann Middle School, 2820 Union Ave., room 123» Pam Otten (920) 459-8933, [email protected]

6:15 – 7:15 p.m.Love & Money: A Relationship ChallengeSponsored by: Matt Raunio and Maureen O‘ SheaMoney problems often are a major source of disagreement in a couple’s relationship. We’ll talk about how differing money styles and values lead to unnecessary strain between couples and damage their relationship as well as their finances. Hear ways that both partners can participate in finding solutions.» Horace Mann Middle School, 2820 Union Ave., room 124» Matt Raunio (920) 459-6640, [email protected]

6:15 – 7:15 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 125» Greg Reineking (920) 451-6800, [email protected]

6:15 – 7:15 p.m.Debit Cards & Credit Cards: How to Protect YourselfSponsored by: Consumer Credit Counseling ServiceLearn 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. » Horace Mann Middle School, 2820 Union Ave., room 126» Ken King (920) 458-3784, [email protected]

6:15 – 7:15 p.m.Building and Preserving WealthSponsored by: Community Bank & Trust soon to be Wisconsin Bank & TrustThe market has a very efficient way of transfer-ring wealth from the impatient to the patient. This seminar will cover building wealth and applying the theory of lengthening time horizon. What destroys wealth? How do successful investors

create wealth? How do we alter behavior to work towards being successful? What are the behavior traits that may prevent investors from building and maintaining wealth? Come hear about the different ways to invest.» Horace Mann Middle School, 2820 Union Ave., room 128» Mary Ryan (920) 459-4444, [email protected]

7:30 – 8:30 p.m.How To Be An Intelligent InvestorSponsored by: Pamela Otten LLCA more in-depth investing class that covers ques-tions like: How are you making your investment decisions? Are you choosing the right investments for you, even in your company retirement plan? How do you know if your investments are doing well? Learn how to be an Intelligent Investor with Pamela Otten, the Financial Mom.» Horace Mann Middle School, 2820 Union Ave., room 123» Pam Otten (920) 459-8933, [email protected]

7:30 – 8:30 p.m.The Right Way to Buy a CarSponsored by: Sheboygan Area Credit UnionLearn the Do’s and Don’ts of car buying options and how to value the vehicle you want to purchase and your trade in. » Horace Mann Middle School, 2820 Union Ave., room 124» Pam Madden (920) 459-5154, [email protected]

7:30 – 8:30 p.m.Investing in an Uncertain MarketSponsored by: The Financial Group, Inc.Navigating the rough waters of the market can be a challenge. From calm waters of late, to danger-ous rapids of 2008, how will you be able to map out your white water rafting trip to arrive safely at your desired destination? We’ll help educate and therefore empower you, to make informed deci-sions without drowning along the way. » Horace Mann Middle School, 2820 Union Ave., room 125» Greg Reineking (920) 451-6800, [email protected]

7:30 – 8:30 p.m.Dealing with Student LoansSponsored by: Consumer Credit Counseling ServiceLearn 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, [email protected]

continued on page 7

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Horace Mann Middle School | 2820 Union Avenue • Sheboygan 7:30 – 8:30 p.m.The Importance of Health InsuranceSponsored by: Partnership Community Health Education CenterWhy it is important to have health insurance and how to budget for health insurance premiums and costs. » Horace Mann Middle School, 2820 Union Ave., room 128» Hilary Neste (715) 416-0595, [email protected]

Wednesday, April 22 5 – 6 p.m.Mapping Your Course: A Financial Life PlanSponsored by: Community Bank & Trust soon to be Wisconsin Bank & TrustAddressing future needs is a major component of clients’ financial plans as they “map a course” through retirement. This seminar addresses many questions that arise and also offers possible solu-tions and client tools to help them pursue their goals with confidence. » Horace Mann Middle School, 2820 Union Ave., room 123» Mary Ryan (920) 459-4444, [email protected]

5 – 6 p.m.Stretching Your Food DollarSponsored by: Consumer Credit Counseling ServiceLearn 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?» Horace Mann Middle School, 2820 Union Ave., room 125» Jeannine Folan (920) 458-3784, [email protected]

6:15 – 7:15 p.m.Social Security Disability: What You Need to Know Sponsored by: Wurtz, Roth, & Basler, S.C.This presentation will provide an overview of social security disability, the appeals process, and answers to your questions.» Horace Mann Middle School, 2820 Union Ave., room 123» Attorney Mark E. Wurtz (920) 457-5097, [email protected]

6:15 – 7:15 p.m.Retire WiselySponsored by: Thrivent FinancialThis presentation will help participants learn to manage six risks all retirees face: outliving income, inflation, unpredictable events, market volatility, income taxes and rising health care costs.» Horace Mann Middle School, 2820 Union Ave., room 124» Cesar Lemus (920) 892-2000, [email protected]

6:15 – 7:15 p.m.CouponingSponsored by: Wayne Musch, Dad’s CouponsAre you looking for ways to stretch your food budget and trim excess spending? If so, this class is for you. This class is for everyone - beginners to experts. Attendees will be able to apply concepts immediately to save money.

» Horace Mann Middle School, 2820 Union Ave., room 125» Wayne Musch, [email protected]

6:15 – 7:15 p.m.Retirement Investing: What You Think You Know Might Hurt You! Sponsored by: Kevin Bay InvestmentsYou 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 “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 126 » Adam Ryback (262) 691-2013, [email protected]

6:15 – 7:15 p.m.Understanding Your Tax Assessment Sponsored by: Consumer Credit Counseling ServiceWhat 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, [email protected]

7:30 – 8:30 p.m.Social Security: Strategize to MaximizeSponsored by: Thrivent FinancialThis presentation will helps participants under-stand Social Security and learn ways to optimize those benefits, as well as other considerations to help achieve their goals for retirement.» Horace Mann Middle School, 2820 Union Ave., room 124» Cesar Lemus (920) 892-2000, [email protected]

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 126» Greg Reineking (920) 451-6800, [email protected]

7:30 – 8:30 p.m.Scams and Schemes to Get Your MoneySponsored by: Consumer Credit Counseling ServiceEveryone 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 128» Ken King (920) 458-3784, [email protected]

continued on page 8

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Thursday, April 23 5 – 6 p.m.Resumes: What do Local Employers “Really” Want to See?Sponsored by: Great Lakes Training & Development CorporationBased on statistics gathered from a survey of Sheboygan Human Resource Managers, fi nd out the top issues that will cause your resume to be rejected and the fi rst thing most HR/Hiring Managers tend to look at. We will also discuss attention grabbing tips for your resume.» Horace Mann Middle School, 2820 Union Ave., room 123» Linda Rauwerdink (920) 208-5817 [email protected]

5 – 6 p.m.Income For Life Sponsored by: Kohler Credit UnionThis class will cover the following topics: sources of retirement income, retirement risks to clients drawing on their savings, income strategies to consider, and how to use annuities to guarantee an income for life.» Horace Mann Middle School, 2820 Union Ave., room 124» Thomas Binversie, Financial Advisor (920) 783-2311, [email protected]

5 – 6 p.m.Estate PlanningSponsored 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

5 – 6 p.m.Mind Over MoneySponsored by: Veritas Financial Services, LLCWhy do investors fail to become successful? Mind over Money examines the factors that contribute to investor failure, and how to overcome these factors on the road to realizing our fi nancial goals.» Horace Mann Middle School, 2820 Union Ave., room 126» Margaret Wittkopp (920) 893-5262, [email protected]

5 – 6 p.m.Scams and Schemes to Get Your MoneySponsored by: Consumer Credit Counseling ServiceEveryone 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 128» Lisa Arneson (920) 458-3784, [email protected]

6:15 – 7:15 p.m.Social Security Disability: What You Need to Know Sponsored by: Wurtz, Roth, & Basler, S.C.This presentation will provide an overview of social security disability, the appeals process, and answers to your questions.» Horace Mann Middle School, 2820 Union Ave., room 123» Attorney Mark E. Wurtz (920) 457-5097, mquast@wrblawoffi ce.com

6:15 – 7:15 p.m.Love & Money: A Relationship ChallengeSponsored by: Matt Raunio and Maureen O‘ SheaMoney problems often are a major source of disagreement in a couple’s relationship. We’ll talk about how differing money styles and values lead to unnecessary strain between couples and damage their relationship as well as their fi nances. Hear ways that both partners can participate in fi nding solutions.» Horace Mann Middle School, 2820 Union Ave., room 124» Matt Raunio (920) 459-6640, [email protected]

continued on page 9

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The Value of Knowledge

Money Smart WeekApril 18 - 25, 2015

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Horace Mann Middle School | 2820 Union Avenue • Sheboygan 6:15 – 7:15 p.m.Medicare: What You Need to KnowSponsored by: Insurance Solutions of WisconsinDo the A, B, C and D’s of Medicare have you confused? We’ll discuss the federal Medicare Program, including what it does/does not pay for. We will explain options to fill in the gaps of Medicare coverage and how to get the most from your healthcare dollars.» Horace Mann Middle School, 2820 Union Ave., room 125» Dorcas George (920) 268-1600, [email protected]

6:15 – 7:15 p.m.Costs: The Dark Side of InvestingSponsored by: Veritas Financial Services, LLCDid you know that costs are one of the best deter-minants 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 126» Margaret Wittkopp (920) 893-5262, [email protected]

6:15 – 7:15 p.m.Seven Steps for Financial Success Sponsored by: Consumer Credit Counseling ServiceLearn the 7 basic steps to financial success from visualizing success to accomplishing your goals.» Horace Mann Middle School, 2820 Union Ave., room 128» Lisa Arneson (920) 458-3784, [email protected]

7:30 – 8:30 p.m.Investing in an Uncertain MarketSponsored by: The Financial Group, Inc.Navigating the rough waters of the market can be a challenge. From calm waters of late, to danger-ous rapids of 2008, how will you be able to map out your white water rafting trip to arrive safely at your desired destination? We’ll help educate and therefore empower you, to make informed deci-sions without drowning along the way. » Horace Mann Middle School, 2820 Union Ave., room 123» Greg Reineking (920) 451-6800, [email protected]

7:30 – 8:30 p.m.The First time Homebuyer … What is Expected of You Sponsored by: Community Bank & Trust soon to be Wisconsin Bank & TrustBuying your first home can be overwhelming, but the benefits of being a homebuyer make it all worthwhile. Own a home that suits your needs and lifestyle, establish credit, receive tax benefits, and stop throwing your money away on rent. We are the experts and we will work with you in making your dreams become a reality!» Horace Mann Middle School, 2820 Union Ave., room 124» Wendy Conto (920) 208-1111, [email protected]

7:30 – 8:30 p.m.Rx: Get the Most Bang for Your BuckSponsored by: Sheboygan Health Mart PharmacyLearn from an insider how to maximize your health care dollars at the pharmacy.» Horace Mann Middle School, 2820 Union Ave., room 125» Cammy Jorstad, RPh (920) 459-7467, [email protected]

7:30 – 8:30 p.m.Getting IncomeSponsored by: Veritas Financial Services, LLCAre you retired, or nearing retirement? Will you be deciding how to provide an income during retire-ment in the near future? This class will look at how you can responsibly take an income during retire-ment, the ramifications of a “guaranteed” income, and what reasonable expectations look like.» Horace Mann Middle School, 2820 Union Ave., room 126» Margaret Wittkopp (920) 893-5262, [email protected]

7:30 – 8:30 p.m.You and Your Credit ReportSponsored by: Consumer Credit Counseling ServiceLearn 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 128» Lisa Arneson (920) 458-3784 Email: [email protected]

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Tuesday, April 21 11:30 – 12:30 p.m.Identity Theft : What You Need to KnowSponsored by: Thrivent FinancialHear tips and tools for dealing with the growing problem of identity theft.» Generations, 1500 Douglas Dr., Plymouth, room A/B» Kirsten Lemus (920) 892-2000, [email protected]

12:45 – 1:45 p.m.Financial Elder Abuse: What Is It and How to Prevent ItSponsored by: Sheboygan County Health & Human ServiceFinancial elder abuse continues to be a grow-ing problem in Sheboygan County and across the United States. This class will help you identify ways elders can be taken advantage of fi nancially. Also fi nd out ways to help protect and prevent fi nancial elder abuse.» Generations, 1500 Douglas Dr., Plymouth, room A/B» Christine Freund (920) 467-4120, [email protected]

2 – 3 p.m.Medicare A, B, C, and DSponsored by: Sheboygan County Aging & Disability Resource CenterWhat you need to know about Medicare part A, B, C, and D.» Generations, 1500 Douglas Dr., Plymouth, room A/B» Pat Hafermann (920) 467-4076, [email protected]

Thursday, April 23 11:30 a.m. – 12:30 p.m.Scams and Schemes to Get Your MoneySponsored by: Consumer Credit Counseling ServiceEveryone wants your money! What do you have to do to protect yourself? Learn about various scams and schemes that are used to try to get your money, including telemarketing and mail. Learn some simple prevention habits and precautions to take to protect yourself.» Generations, 1500 Douglas Dr., Plymouth, room A/B» Matt Kautzer (920) 458-3784, [email protected]

12:45 – 1:45 p.m.Health Insurance 101Sponsored by: Insurance Solutions of WisconsinMany changes in health insurance have occurred in the past two years. Open enroll-ment, Marketplace/Obamacare, Essential Health Benefi ts, tax penalties….what does it all mean? This class will explain these new terms and why looking at health insurance options is more impor-tant than ever.» Generations, 1500 Douglas Dr., Plymouth, room A/B» Paulette Ruminski (920) 268-1600, [email protected]

2 – 3 p.m.CouponingSponsored by: Wayne Musch, Dad’s CouponsAre you looking for ways to stretch your food budget and trim excess spending? If so, this class is for you. This class is for everyone - beginners to experts. Attendees will be able to apply concepts immediately to save money. » Generations, 1500 Douglas Dr., Plymouth, room A/B» Wayne Musch, [email protected]

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11

Cedar Grove Public Library | 131 West Van Altena Ave. • Cedar Grove

Oostburg Public Library | 213 North 8th Street • Oostburg

Lakeview Community Library | 112 Butler Street • Random Lake

Additional Events

Wednesday, April 22 10 – 11 a.m.Preschool Story TimeSponsored by: Cedar Grove Public LibraryStory time will feature books about money and will include a book called “Alexander Who Used to

Be Rich Last Sunday” by Judith Viorst. The first 20 families will receive a complimentary copy of the book.» Cedar Grove Public Library, 131 West Van Altena Ave., Cedar Grove» Nancy Trimberger (920) 668-6834

Friday, April 24 10 – 11 a.m.Preschool Story TimeSponsored by: Lakeview Community LibraryStory time will feature books about money and

Saturday, April 18, 2015 9 a.m. – NoonShred Fest and Cell Phone Recycling EventSponsored by: Consumer Credit Counseling Service and Cintas Bring “old” confidential documents to be shred-ded on site and bring cell phones for recycling (data will be removed before recycling). FREE!» Sheboygan Memorial Mall Parking Lot (just east of Sears), 3347 Kohler Memorial Drive» Matt Kautzer (920) 458-3784, [email protected]

Saturday, April 18 10:30 – 11:30 a.m.Preschool Story TimeSponsored by: Oostburg Public LibraryStory time will feature books about money and will include a book called “Alexander Who Used to Be Rich Last Sunday” by Judith Viorst. The first 20 families will receive a complimentary copy of the book.» Oostburg Library, 213 North 8th St., Oostburg» Vicki Markham (920) 564-2934

will include a book called “Alexander Who Used to Be Rich Last Sunday” by Judith Viorst. The first 20 families will receive a complimentary copy of the book.» Lakeview Community Library, 112 Butler St., Random Lake» Darla Jean Kraus (920) 994-4825

Tuesday, April 21, 2015 6:30 – 7:30 PMFAFSA Completion WorkshopSponsored by: University of Wisconsin - SheboyganUW-Sheboygan Student Affairs staff will be available to answer questions and assist students and their families in the completion of the FAFSA. This workshop is open to anyone plan-ning to attend college in Fall 2015. Bring along the following items: parent and student social security numbers, dates (birth, death, marriage, divorce), 2014 federal tax return (if submitted), bank statement, amounts of other income, value of other assets. » UW-Sheboygan, One University Drive, Sheboygan Acuity Technology Main Building, library computer lab room 1120» Elisa Carr (920) 459-6633, [email protected]

Thursday, April 23 10:30 – 11:30 a.m.Meet Penny the PigSponsored by: Consumer Credit Counseling ServicePenny 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.» Oostburg Library, 213 North 8th St., Oostburg» Jeannine Folan (920) 458-3784, [email protected]

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Monday, April 20 Noon – 1 p.m.Fun Food-Theme GardensSponsored by: Rob Zimmer, Yard MDAmazing food-themed gardens to make growing your own food fun for the whole family.» Mead Public Library, 710 North 8th St., Sheboygan, Rocca Room» Rob Zimmer (920) 851-8996, [email protected]

1:15 – 2:15 p.m.How to Affordably Feed Your Family Healthy and Organic Foods Sponsored by: Chef Brian BernierChef Bernie will help you start a plan for a healthy eating lifestyle that fits within your budget. Learn what foods should always be purchased organically grown and what foods are grown with little or no pesticides. He will also show you how to make your own probiotics for healthy digestion.» Mead Public Library, 710 North 8th St., Sheboygan, Rocca Room» Brian Bernier, [email protected]

2:30 – 3:30 p.m.Save Money with Heirloom SeedsSponsored by: Rob Zimmer, Yard MDHow to grow, collect and save heirloom fruit, vegetable and flower seeds.» Mead Public Library, 710 North 8th St., Sheboygan, Rocca Room» Rob Zimmer (920) 851-8996, [email protected]

5 – 6 p.m.Estate PlanningSponsored 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

6:15 – 7:15 p.m.How to Outsmart Social SecuritySponsored by: H.C. Denison CompanyWhether you are currently drawing social security, are ready to retire, or plan on applying for benefits in the future, this seminar will explain how differ-ent social security retirement strategies impact potential lifetime benefits for you and/or your spouse under various life expectancy scenarios.» Mead Public Library, 710 North 8th St., Sheboygan, Rocca Room» Robert J. Kuehl, CFP & Vice President - H.C. Denison (920) 457-9451, [email protected]

7:30 – 8:30 p.m.Investing in an Uncertain MarketSponsored by: The Financial Group, Inc.Navigating the market can be a challenge. From calm waters of late, to dangerous rapids of 2008, how will you be able to map out your white water rafting trip to arrive safely at your desired desti-nation? We’ll educate and empower you to make informed decisions without drowning along the way. » Mead Public Library, 710 North 8th St., Sheboygan, Rocca Room» Greg Reineking (920) 451-6800, [email protected]

Wednesday, April 22 9:30 – 10 a.m.Preschool Story TimeSponsored by: Mead Public LibraryStory time for Preschoolers and their caregivers will feature books 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. After story time, children can stay and create a craft to take home.» Mead Public Library, 710 North 8th St., Sheboygan, Children’s Story Garden (3rd floor)» Susan Durant (920) 459-3400 ext. 3413, [email protected]

10:30 – 11 a.m.Preschool Story TimeSponsored by: Mead Public LibraryStory time for Preschoolers and their caregivers will feature books 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. After story time, children can stay and create a craft to take home.» Mead Public Library, 710 North 8th St., Sheboygan, Children’s Story Garden (3rd floor)» Susan Durant (920) 459-3400 ext. 3413, [email protected]

Noon – 1 p.m.CouponingSponsored by: Wayne Musch, Dad’s CouponsAre you looking for ways to stretch your food budget and trim excess spending? If so, this class is for you. This class is for everyone - beginners to experts. Attendees will be able to apply concepts immediately to save money. » Mead Public Library, 710 North 8th St., Sheboygan, Rocca Room» Wayne Musch, [email protected]

1:15 – 2:15 p.m.Mapping Your Course: A Financial Life PlanSponsored by: Community Bank & Trust soon to be Wisconsin Bank & TrustAddressing future needs is a major component of clients’ financial plans as they “map a course” through retirement. This seminar addresses many questions that arise and also offers possible solutions and client tools to help them pursue their goals with confidence. » Mead Public Library, 710 North 8th St., Sheboygan, Rocca Room» Mary Ryan (920) 459-4444, [email protected]

1 – 4 p.m.Affordable Care Act Enrollment FairSponsored by: Lakeshore Community Health Care Community information and enrollment fair.» Mead Public Library, 710 North 8th St., Sheboygan, 2nd floor conference room» Jennifer Schmidt (920) 783-6633, [email protected]

Mead Public Library | 710 North 8th Street • Sheboygan

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Mead Public Library | 710 North 8th Street • Sheboygan 2:30 – 3:30 p.m.Rx: Get the Most Bang for Your BuckSponsored by: Sheboygan Health Mart PharmacyLearn from an insider how to maximize your health care dollars at the pharmacy.» Mead Public Library, 710 North 8th St., Sheboygan, Rocca Room» Cammy Jorstad, RPh (920) 459-7467, [email protected]

3:30 – 4:30 p.m.Meet Penny the PigSponsored by: Consumer Credit Counseling ServicePenny is a unique piggy bank that will help teach your children about spending and saving money. The program is for parents and their children from ages 3-10. All children attending with a parent will receive Penny the Pig banks.» Mead Public Library, 710 North 8th St., Sheboygan, Children’s Story Garden (3rd floor)» Ken King (920) 458-3784, [email protected]

4 – 4:30 p.m.Money Matters for TeensSponsored by: Consumer Credit Counseling ServiceIt 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, [email protected]

5 – 6 p.m.Travel Tips and MoreSponsored 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. » Mead Public Library, 710 North 8th St., Sheboygan, Rocca Room» Sue Zeier (920) 694-4631, [email protected]

6:15 – 7:15 p.m.How to Outsmart Social SecuritySponsored by: H.C. Denison CompanyWhether you are currently drawing social secu-rity, are ready to retire, or plan on applying for benefits in the future, this seminar will explain how different social security retirement strate-gies impact potential lifetime benefits for you and/or your spouse under various life expectancy scenarios.» Mead Public Library, 710 North 8th St., Sheboygan, Rocca Room» Robert J. Kuehl, CFP & Vice President - H.C. Denison (920) 457-9451, [email protected]

7:30 – 8:30 p.m.Health Insurance 101Sponsored by: Insurance Solutions of WisconsinMany changes in health insurance have occurred in the past two years. Open enroll-ment, Marketplace/Obamacare, Essential Health Benefits, tax penalties….what does it all mean?

This class will explain these new terms and why looking at health insurance options is more impor-tant than ever.» Mead Public Library, 710 North 8th St., Sheboygan, Rocca Room» Paulette Ruminski (920) 268-1600, [email protected]

Thursday, April 236:30 – 7 p.m.Family Movie and Craft ProgramSponsored by: Mead Public LibraryStory time for Preschoolers and their caregivers will feature books 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. After story time, children can stay and create a craft to take home.» Mead Public Library, 710 North 8th St., Sheboygan, Children’s Story Garden (3rd floor)» Susan Durant (920) 459-3400 ext. 3413, [email protected]

Saturday, April 25 Noon – 1 p.m.Nourish: Eat Local Food on a BudgetSponsored by: NourishNourish Food Justice Director, Heather Cleveland, will talk about eating locally grown fruits and vegetables with the season using deli-cious 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) 889-1615, [email protected]

1:15 – 2:15 p.m.Low-Cost Improvements for Your Home that Provide Top-Dollar Savings Sponsored by: Energy Strategies of SheboyganEnergy 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 to save money from the “low hanging fruit” projects. We’re here to make insulation sexy, but also to save you money and make your home more sustainable and comfortable to live in.» Mead Public Library, 710 North 8th St., Sheboygan, Rocca Room» Tammie Gruenke (920) 467-9481, [email protected]

2:30 – 3:30 p.m.Mindful ConsumptionSponsored by: Windhorse RetreatSue Firer, Windhorse Retreat manager, will talk about how she became increasingly aware of what she really needed vs. what she wanted once she decided to make a career change that drastically reduced her salary. This journey led to a deeper understanding of herself and others. » Mead Public Library, 710 North 8th St., Sheboygan, Rocca Room» Sue Firer (414) 975-7370, [email protected]

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Senior Meal Sites & Activity Centers

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

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

Mapping

Mary RyanInvestment Executive920-459-4444

A Financial Life Plan

Located at Community Bank & Trust!

YourCourse

communitybankandtrust.com

Call for a complimentaryinvestment check-up.

604 N. 8th Street, Sheboygan, WI 53081

Cedar Grove – Monday, April 20 10:30 – 11 a.m.Financial Elder Abuse: What Is It and How to Prevent ItSponsored by: Sheboygan County Health & Human ServiceFinancial elder abuse continues to be a growing problem in Sheboygan County and across the United States. This class will help you identify ways elders can be taken advantage of fi nancially. Also fi nd out ways to help protect and prevent fi nancial elder abuse.» First Reformed Church, 237 S. Main St., Cedar Grove» Christine Freund (920) 467-4120, [email protected]

Cascade – Monday, April 20 11:30 a.m. – NoonScams and Schemes to Get Your MoneySponsored by: Consumer Credit Counseling ServiceEveryone 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.» 301 Milwaukee Ave., Cascade » Lisa Arneson (920) 458-3784, [email protected]

Howards Grove – Tues., April 21 11:10 a.m. – NoonLiving on a Fixed IncomeSponsored by: Consumer Credit Counseling ServiceLiving on a fi xed income is not easy, but there are ways to save money every day. Here’s how you can stick to that tight budget and still save for that rainy day!» Village Hall, 913 South Wisconsin Drive, Howards Grove » Jeannine Folan (920) 458-3784, [email protected]

Sheboygan – Tuesday, April 21 11 – 11:45 a.m.Living on a Fixed IncomeSponsored by: Consumer Credit Counseling ServiceLiving on a fi xed 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!» Zion Church, 1125 North 6th St., Sheboygan » Lisa Arneson (920) 458-3784, [email protected]

Oostburg – Wednesday, April 22 10:45 – 11:30 a.m.Financial Elder Abuse: What Is It and How to Prevent ItSponsored by: Sheboygan County Health & Human ServiceFinancial elder abuse continues to be a growing

problem in Sheboygan County and across the United States. Identify ways elders can be taken advantage of fi nancially and to help protect and prevent fi nancial elder abuse.» Civic Center, 213 North 8th St., Oostburg» Christine Freund (920) 467-4120, [email protected]

Sheboygan Falls – Wed., April 22 11:10 a.m. – NoonIdentity Theft : What You Need to KnowSponsored by: Thrivent FinancialHear tips and tools for dealing with the growing problem of identity theft.» 650 Forest Ave., Sheboygan Falls» Kirsten Lemus (920) 892-2000, [email protected]

Adell – Thursday, April 23 11:30 a.m. – NoonCommon Sense Ways to SaveSponsored by: Consumer Credit Counseling ServiceWe all can save money, but why and how are the questions. Learn different ways of approaching savings and how to start a savings habit.» 510 Seifert St., Adell » Lisa Arneson (920) 458-3784, [email protected]

Money Smart Week

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