Money Smart

Local businesses and organizations have teamed up to sponsor personal financial education. Free seminars at various locations will cover topics ranging from budgeting to homebuying to estate planning.

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Horace Mann Middle School2820 Union Avenue • Sheboygan

Monday, April 22 5 – 6 p.m.Probate, Trusts, and Securing My AssetsSponsored by Wurtz, Roth, & Basler, S.C.Do I need a trust to avoid probate? How can I transfer my home and retain my rights? How do I save my assets for my family? Have an Attorney explain it for you.» Horace Mann Middle School, 2820 Union Ave., Room 123» Attorney Michael Roth (920) 457-5097

5 – 6 p.m.Your Money and the Market: What the Media MissedSponsored by H.C. Denison CompanyConsumers have been bombarded by a nega-tive stream of news from various media outlets predicting economic Armageddon. In this infor-mative, eye-opening seminar, Robert J. Kuehl dispels these doomsday reports with under-reported factual data, arming attendees with valuable insights that will lead to “money smart” decisions and a positive disposition.» Horace Mann Middle School, 2820 Union Ave., Room 124» Robert J. Kuehl, CFP & Vice President - H.C. Denison (920) 457-9451, [email protected]

5 – 6 p.m.Planning for a Tax Free RetirementSponsored by Veritas Financial Services LLCThis presentation will look at ways to prepare for retirement in a tax efficient way, and will also look at proposed changes to the tax code going forward. This presentation is packed full of great information!» Horace Mann Middle School, 2820 Union Ave., Room 125» Jeremy Burri (920) 893-5262, [email protected]

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 126» Mike Reinbold (920) 452-7711, [email protected]

6:15 – 7:15 p.m.Building Business BlocksSponsored by Lakeshore Technical College’s Center For EntrepreneurshipStarting your own business? ■ Understand what qualities are needed to become a successful entrepreneur■ Determine if you have an idea that will work■ Understand the first steps you need to take to start a business

■ Learn about local resources that can help you If you ever thought of starting your own business, this class is for you!» Horace Mann Middle School, 2820 Union Ave., Room 123 » Kristin Bell Abell (920) 693-1658, [email protected]

6:15 – 7:15 p.m.Landlord and Tenant RightsSponsored by Hawley, Kaufmann, & Kautzer Law OfficesThis presentation will cover important aspects of landlord and tenant rights.» Horace Mann Middle School, 2820 Union Ave., Room 124 » Hawley, Kaufmann, & Kautzer Law Offices (920) 457-4800, [email protected]

6:15 – 7:15 p.m.Saving for College and the Financial Aid ProcessSponsored by Veritas Financial Services LLCNot 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 calcu-lated. This class is a must for parents!» Horace Mann Middle School, 2820 Union Ave., Room 125» Jeremy Burri (920) 893-5262, [email protected]

6:15 – 7:15 p.m.Long Term Care: the Overlooked RiskSponsored by Insurance SolutionsMany people put off thinking about Long Term Care, however, delaying your decision could be costly to you and your family. Learn about the programs, such as the Wisconsin Partnership Plan and tax deductions available today to assist in protecting you and your nest egg.» Horace Mann Middle School, 2820 Union Ave., Room 126» Paulette Ruminski (920) 268-1600, [email protected]

6:15 – 7:15 p.m.Social Security Disability Sponsored by Wurtz, Roth, & Basler, S.C.This presentation will provide a general overview of disability claims and the appeals process.» Horace Mann Middle School, 2820 Union Ave., Room 128» Attorney Mark E. Wurtz (920) 457-5097

7:30 – 8:30 p.m.A Strategy for RecoverySponsored by CB Investment ServicesThis seminar will discuss the current economic environment, historical data, cycles in the market over time, and a discussion on personal invest-ment planning strategies. » Horace Mann Middle School, 2820 Union Ave., Room 123» Mary Ryan (920) 459-4444, [email protected]

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Horace Mann Middle School | 2820 Union Avenue • Sheboygan 7:30 – 8:30 p.m.Don’t be a Dumb Money InvestorSponsored by Veritas Financial Services LLCThose in the know who work on Wall Street have long used the term “dumb money.” Unfortunately, that term was not invented to describe institutions or wealthy, affluent investors. The truth is that it was designed to describe the general investing public. In this class we will learn about the behav-iors of the “smart money,” and how to pattern their successful investing behavior.» Horace Mann Middle School, 2820 Union Ave., Room 125» Jeremy Burri (920) 893-5262, [email protected]

7:30 – 8:30 p.m.Health Care Reform & New Health Insurance Exchanges: What Will Exchanges Mean to Consumers?Sponsored by Insurance SolutionsWhile there have been many moving parts to the Health Care Reform bill, health insurance exchanges (a new program through which to purchase health insurance) will soon be a reality. This session will outline what the exchange is, how it will work, the 4 levels of coverage (Bronze, Silver, Gold and Platinum) and why you may, or may not, choose to consider the exchange when purchasing health insurance coverage in the future.» Horace Mann Middle School, 2820 Union Ave., Room 126» Paulette Ruminski (920) 268-1600, [email protected]

Tuesday, April 23 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 percent or more on your grocery bill every month. What could you do with that extra money?» Horace Mann Middle School, 2820 Union Ave., Room 123» Jeannine Folan (920) 458-3784, [email protected]

5 – 6 p.m.Don’t Forget Your Home InspectionSponsored by 4 Square Home Inspections, LLCImportant information you should know “before” buying or selling your home.» Horace Mann Middle School, 2820 Union Ave., Room 124» Greg Liebig, Certified Home Inspector (920) 451-4646, [email protected]

5 – 6 p.m.Planning for Social SecuritySponsored by Kohler Credit UnionThis presentation is geared to the soon-to-be-retired or planning-to-retire person. It is a jour-ney through the options when choosing to start your Social Security payments. It’s not always a straight forward decision.» Horace Mann Middle School, 2820 Union Ave., Room 125» Tom Binversie, Financial Advisor (920) 783-2311, [email protected] continued on page 6

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Horace Mann Middle School | 2820 Union Avenue • Sheboygan 5 – 6 p.m.Scams and Schemes to Get Your 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 126» Lisa Arneson (920) 458-3784, [email protected]

5 – 6 p.m.Myths and Truths of InvestingSponsored by Veritas Financial Services LLCThis presentation looks at the still widely held myths of the investment community and the true story of investing from an academic standpoint. We will also discuss the warning signs that you are actually gambling and speculating with your portfolio versus prudently investing.» Horace Mann Middle School, 2820 Union Ave., Room 128» Margaret Wittkopp (920) 893-5262, [email protected]

6:15 – 7:15 p.m.Couponing 101 Boot CampSponsored by Jenni SteinLearn the “boot camp basics” of everyday couponing and saving money. Learn tips on how to save your family at least 50 percent on your food budget by using coupons, watching sales and comparing pricing. Attendees do not need any previous coupon skills. Attendees will be able to apply concepts immediately to save their family money. This class is for anyone looking to stretch their food budget and trim out any excess spending (this is not extreme couponing). » Horace Mann Middle School, 2820 Union Ave., Room 123» Jenni Stein (920) 207-7838, [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 125» Jeannine Folan (920) 458-3784, [email protected]

6:15 – 7:15 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 126» Lisa Arneson (920) 458-3784, [email protected]

6:15 – 7:15 p.m.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 128» Margaret Wittkopp (920) 893-5262, [email protected]

7:30 – 8:30 p.m.Medicare & YouSponsored by Insurance SolutionsThis class will discuss the federal Medicare program - what it pays for and what it doesn’t pay for. We will also explore options to fill in the gaps of Medicare coverage and how to get the most from your health care dollars. » Horace Mann Middle School, 2820 Union Ave., Room 123» Dorcas George (920) 268-1600, [email protected]

7:30 – 8:30 p.m.An Economic & Investment Update Sponsored by Thrivent Financial for LutheransIn this “Economic and Investment Update” you’ll gain a better understanding of today’s economy and we will put the economy into perspective. It’s been a difficult couple of years in the financial world. Even if the worst is behind us, the recovery is far from over. Come and hear some meaningful perspectives that can help guide your financial future.» Horace Mann Middle School, 2820 Union Ave., Room 124 » Bart Malcomson, professional development manager, east Wisconsin and upper Michigan region (920) 851-0688, [email protected]

7:30 – 8:30 p.m.Investing Your Assets? What You Think You Know May Hurt You Sponsored by Kevin Bay Investments, LLCThis class will cover the basics of portfolio management: time value of money, compounding, capital markets, value vs. growth investing, and separate accounts vs. mutual funds. While a few unlucky investors may begin investing with-out understanding the basics, you will have the opportunity to learn the fundamental principles of investing taught in the spirit of Ben Graham, billionaire Warren Buffett’s mentor!» Horace Mann Middle School, 2820 Union Ave., Room 125 » Adam Ryback (262) 691-2013, [email protected]

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Horace Mann Middle School | 2820 Union Avenue • Sheboygan 7:30 – 8:30 p.m.Seven Steps for Financial Success Sponsored by Consumer Credit Counseling ServiceLearn the 7 basic steps to financial success from visualizing success to accomplishing your goals.» Horace Mann Middle School, 2820 Union Ave., Room 126 » Lisa Arneson (920) 458-3784, [email protected]

7:30 – 8:30 p.m.Annuities: Peace of Mind or Costly MistakeSponsored by Veritas Financial Services LLCThe proliferation of annuity products over the past 10 years has been nothing short of amazing. This presentation will go over the considerations you must weigh to make sure your investment decisions are based on facts and logic, not fear of the market. We will show you methods to calcu-late the true rate of return promised by many of these products.» Horace Mann Middle School, 2820 Union Ave., Room 128» Margaret Wittkopp (920) 893-5262, [email protected]

Wednesday, April 24 5 – 6 p.m.Don’t Forget Your Home InspectionSponsored by 4 Square Home Inspections, LLCImportant information you should know “before” buying or selling your home.» Horace Mann Middle School, 2820 Union Ave., Room 123» Greg Liebig, Certified Home Inspector (920) 451-4646, [email protected]

5 – 6 p.m.Living on a Fixed IncomeSponsored by Consumer Credit Counseling ServiceLiving on a fixed income is not easy, but there are ways to save money every day. Here’s how you can stick to that tight budget and still save for that rainy day!» Horace Mann Middle School, 2820 Union Ave., Room 124» Jeannine Folan (920) 458-3784, [email protected]

5 – 6 p.m.Your Financial Aid Journey in 5 StepsSponsored by Wells Fargo Education Financial ServicesLearn the 5 steps to estimate your total education costs and your financing options. This is a “must attend” session for parents and anyone pursuing higher education.» Horace Mann Middle School, 2820 Union Ave., Room 125» Jane Lemke (920) 996-2231, [email protected]

6:15 – 7:15 p.m.How to Qualify for a Home LoanSponsored by Cleveland State BankLearn 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 “deci-sion process” and the different loan programs

that are available.» Horace Mann Middle School, 2820 Union Ave., Room 123» Lacey Busse (920) 693-8256, [email protected]

6:15 – 7:15 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.» Horace Mann Middle School, 2820 Union Ave., Room 124» Jeannine Folan (920) 458-3784, [email protected]

6:15 – 7:15 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 125» Ken King (920) 458-3784, [email protected]

6:15 – 7:15 p.m.Love and Money: a Relationship Challenge Sponsored 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 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 focus-ing on financial skills and options, but must also include communication and relationship skills so that both partners can participate in finding a solution that works for both of them. » Horace Mann Middle School, 2820 Union Ave., Room 126» Matt Raunio (920) 459-6640, [email protected]

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 124» Jeannine Folan (920) 458-3784, [email protected]

7:30 – 8:30 p.m.Health Insurance: Are You Paying Too Much?Sponsored by Insurance SolutionsMany people today feel they are paying too much for their health insurance coverage. The truth is — they probably are — according to the “80/20” rule of insurance. On average, 80 percent of any group’s costs are spent by only 20 percent of

continued on page 8

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Horace Mann Middle School | 2820 Union Avenue • Sheboyganthe group. Translated another way, only 1 in 5 of us may truly be getting a good return on the premium we are paying. This class will help you evaluate your options, including the new Health Exchange options and how to maximize your ROI of health insurance premiums.» Horace Mann Middle School, 2820 Union Ave., Room 126» Paulette Ruminski (920) 268-1600, [email protected]

Thursday, April 255 – 6 p.m.Resumes for Today’s Job MarketSponsored by Great Lakes Training & Development CorporationThis class will discuss the basics of a good resume for today’s job market, the do’s and don’ts, and the importance of including social media as part of your branding “sales package.”» Horace Mann Middle School, 2820 Union Ave., Room 123» Linda Rauwerdink (920) 208-5817 [email protected]

5 – 6 p.m.Your Money and the Market: What the Media MissedSponsored by H.C. Denison CompanyConsumers have been bombarded by a nega-tive stream of news from various media outlets predicting economic Armageddon. In this infor-mative, eye-opening seminar, Robert J. Kuehl dispels these doomsday reports with under-reported factual data, arming attendees with valuable insights that will lead to “money smart” decisions and a positive disposition.» Horace Mann Middle School, 2820 Union Ave., Room 124» Robert J. Kuehl, CFP & Vice President - H.C. Denison (920) 457-9451, [email protected]

5 – 6 p.m.Making Dreams Come True Sponsored by Consumer Credit Counseling ServiceWe all want the most out of life. Learn how to change your outlook on life and make your dreams come true. It’s not just about setting goals; it’s about making things happen!» Horace Mann Middle School, 2820 Union Ave., Room 125» Ken King (920) 458-3784, [email protected]

5 – 6 p.m.Medicare & YouSponsored by Insurance SolutionsThis class will discuss the federal Medicare program - what it pays for and what it doesn’t pay for. We will also explore options to fill in the gaps of Medicare coverage and how to get the most from your health care dollars. » Horace Mann Middle School, 2820 Union Ave., Room 126» Dorcas George (920) 268-1600, [email protected]

5 – 6 p.m.So You Have a 401(k) PlanSponsored by Pamela Otten, LLCYour company has a 401(k) retirement plan you can participate in. You have no clue what to do with it. It’s not as complicated as you may think. And your comfortable retirement depends on making smart decisions. Learn what to do, and what not to do, including the biggest mistakes investors make with their 401(k) retirement plans. Taught by Pamela Otten, the Financial Mom.» Horace Mann Middle School, 2820 Union Ave., Room 128» Pam Otten (920) 459-8933, [email protected]

6:15 – 7:15 p.m.How to be a S.T.A.R. in Your InterviewSponsored by Great Lakes Training & Development Corp.Attend this presentation to obtain interviewing techniques to help you “shine” with confidence and win over the interviewer and land the job.» Horace Mann Middle School, 2820 Union Ave., Room 123» Linda Rauwerdink (920) 208-5817 [email protected]

6:15 – 7:15 p.m.Social Security Disability Sponsored by Wurtz, Roth, & Basler, S.C.This presentation will provide a general overview of disability claims and the appeals process.» Horace Mann Middle School, 2820 Union Ave., Room 124» Attorney Mark E. Wurtz (920) 457-5097

6:15 – 7:15 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 125» Ken King (920) 458-3784, [email protected]

6:15 – 7:15 p.m.Long Term Care: the Overlooked RiskSponsored by Insurance SolutionsMany people put off thinking about long term care, however, delaying your decision could be costly to you and your family. Learn about the programs, such as the Wisconsin Partnership Plan and tax deductions available today to assist in protecting you and your nest egg.» Horace Mann Middle School, 2820 Union Ave., Room 126» Paulette Ruminski (920) 268-1600, [email protected]

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

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Horace Mann Middle School | 2820 Union Avenue • Sheboygan

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The Value of Knowledge

Money Smart WeekApril 20 - 27, 2013

cover different types of investments, what they are used for, and different types of investment accounts to put them in. Investing 101 also will cover important investing concepts, including common investor mistakes, risk, time horizon, and investor behavior. Taught by Pamela Otten, the Financial Mom.» Horace Mann Middle School, 2820 Union Ave., Room 128» Pam Otten (920) 459-8933, [email protected]

7:30 – 8:30 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 125» Ken King (920) 458-3784, [email protected]

7:30 – 8:30 p.m.Health Insurance: Are You Paying Too Much?Sponsored by Insurance SolutionsMany people today feel they are paying too much for their health insurance coverage. The truth is — they probably are — according to the “80/20”

rule of insurance. On average, 80 percent of any group’s costs are spent by only 20 percent of the group. Translated another way — only 1 in 5 of us may truly be getting a good return on the premium we are paying. This class will help you evaluate your options, including the new Health Exchange options and how to maximize your ROI of health insurance premiums.» Horace Mann Middle School, 2820 Union Ave., Room 126» Paulette Ruminski (920) 268-1600, [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 such as: ■ How are you making your investment decisions? ■ How do you know you are choosing the right investments for you, even in your 401(k)?■ How do you know if your investments are doing well? Learn how to be an intelligent investor with Pamela Otten, the Financial Mom.» Horace Mann Middle School, 2820 Union Ave., Room 128» Pam Otten (920) 459-8933, [email protected]

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Tuesday, April 23 5 – 6 p.m.5 Foundations of a Lifetime Income Sponsored by Thrivent Financial for LutheransWill your money last as long as your retirement? This session will discuss the financial effects of living longer and healthier lives in retirement. We’ll also share how you can develop and imple-ment an income strategy that will last through your retirement years.Come and hear some meaningful perspectives that can help guide your financial future.» Mead Public Library, 710 North 8th St., Rocca Room» Bart Malcomson, professional development manager, east Wisconsin and upper Michigan region (920) 851-0688, [email protected]

6:15 – 7:15 p.m.Defense Wins Championships! Life Insurance in the Financial Planning Process Sponsored by Brian Gesch State Farm InsurnaceWe are living in turbulent financial times and investment options receive a great deal of atten-tion in our financial press—and they should! While offense is always a bit more interest-ing than defense, life insurance is often the last defense in times of economic and personal trauma. This class will explore the basics of life insurance and its place in comprehensive finan-cial plans. The following topics will be covered:■ What is life insurance? ■ What are the types of life insurance and how do they work?■ How much life insurance do you need?» Mead Public Library, 710 North 8th St., Rocca Room» Brian Gesch (920) 668-6214, [email protected]

7:30 – 8:30 p.m.Probate, Trusts, and Securing My AssetsSponsored by Wurtz, Roth, & Basler, S.C.Do I need a trust to avoid probate? How can I transfer my home and retain my rights? How do I save my assets for my family? Have an Attorney explain it for you.» Mead Public Library, 710 North 8th St., Rocca Room» Attorney Michael Roth (920) 457-5097

Wednesday, April 24 9:30 – 10 a.m.Preschool Story TimeSponsored by Mead Public LibraryStory time will feature books about money and math and will include a showing of the movie “If

You Made a Million,” based on the book written by David M. Schwartz and illustrated by Steven Kellogg. Have you ever dreamed of making a million dollars? Then this movie is for you! Join Marvelosissimo, the Mathematical Magician, as he explains the various forms of money, the world of work, and other simple financial concepts. This fun film is a whimsical introduction to counting, earning, spending and saving money.» Mead Public Library, 710 North 8th St., Children’s Story Garden (3rd floor)» Susan Durant (920) 459-3400 ext. 3433, [email protected]

10:30 – 11 a.m.Preschool Story TimeSponsored by Mead Public LibraryStory time will feature books about money and math and will include a showing of the movie “If You Made a Million,” based on the book written by David M. Schwartz and illustrated by Steven Kellogg. Have you ever dreamed of making a million dollars? Then this movie is for you! Join Marvelosissimo, the Mathematical Magician, as he explains the various forms of money, the world of work, and other simple financial concepts. This fun film is a whimsical introduction to counting, earning, spending and saving money.» Mead Public Library, 710 North 8th St., Children’s Story Garden (3rd floor)» Susan Durant (920) 459-3400 ext. 3433, [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., Children’s Story Garden (3rd floor)» Ken King (920) 458-3784, [email protected]

4:30 – 5 p.m.Preschool Movie ProgramSponsored by Mead Public LibraryChildren and their parents are invited to attend a free movie, “If You Made a Million,” based on the book written by David M. Schwartz and illus-trated by Steven Kellogg. Have you ever dreamed of making a million dollars? Then this movie is for you! Join Marvelosissimo, the Mathematical Magician, as he explains the various forms

Mead Public Library710 North 8th Street • Sheboygan

continued on page 11

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of money, the world of work, and other simple financial concepts. This fun film is a whimsical introduction to counting, earning, spending and saving money.» Mead Public Library, 710 North 8th St., Children’s Story Garden (3rd floor)» Susan Durant (920) 459-3400 ext. 3433, [email protected]

4 – 5 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., Maas Teen Learning Center (3rd floor)» Matt Kautzer (920) 458-3784, [email protected]

Thursday, April 25 6:30 – 7 p.m.Family Story TimeSponsored by Mead Public LibraryStory time will feature books about money and math and will include a showing of the movie “If You Made a Million,” based on the book written by David M. Schwartz and illustrated by Steven Kellogg. Have you ever dreamed of making a million dollars? Then this movie is for you! Join Marvelosissimo, the Mathematical Magician, as he explains the various forms of money, the world of work, and other simple financial concepts. This fun film is a whimsical introduction to counting, earning, spending and saving money.» Mead Public Library, 710 North 8th St., Children’s Story Garden (3rd floor)» Susan Durant (920) 459-3400 ext. 3433, [email protected]

Generations1500 Douglas Drive • Plymouth

Mead Public Library | 710 North 8th Street • Sheboygan

Monday, April 22 5 – 6 p.m.Individual Retirement Accounts and Tax Sheltered AnnuitiesSponsored by Kohler Credit UnionThis presentation will go through the use of IRAs and TSAs in retirement income planning. It is also setup to give you strategies to potentially reduce your tax burdens in retirement.» Generations, 1500 Douglas Dr., Room B» Thomas Binversie, Financial Advisor (920) 783-2311, [email protected]

6:15 – 7:15 p.m.Money PersonalitiesSponsored by Consumer Credit Counseling ServiceDo you know your money personality? Come and learn about the different money personalities in this fun and interactive session. This will help you determine which money personality fits you and how that works in your family situation and lifestyle.» Generations, 1500 Douglas Dr., Room B» Ken King (920) 458-3784, [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. continued on page 12

Find out who the three major credit bureaus are and how to obtain a free copy of your credit report.» Generations, 1500 Douglas Dr., Room B» Matt Kautzer (920) 458-3784, [email protected]

Tuesday, April 23 5 – 6 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.» Generations, 1500 Douglas Dr., Room B» Ken King (920) 458-3784, [email protected]

6:15 – 7:15 p.m.Building Business BlocksSponsored by Lakeshore Technical College’s Center For EntrepreneurshipStarting your own business? ■ Understand what qualities are needed to become a successful entrepreneur■ Determine if you have an idea that will work■ Understand the first steps you need to take to start a business

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Generations | 1500 Douglas Drive • Plymouth■ Learn about local resources that can help you If you ever thought of starting your own business, this class is for you!» Generations, 1500 Douglas Dr., Room B» Kristin Bell Abell (920) 693-1658, [email protected]

7:30 – 8:30 p.m.How to Qualify for a Home LoanSponsored by Cleveland State BankLearn what is needed to qualify for a home loan and what to expect when applying for a loan. This class will also cover the home buying “decision process” and the different loan programs that are available.» Generations, 1500 Douglas Dr., Room B» Lacey Busse (920) 693-8256, [email protected]

Wednesday, April 24 5 – 6 p.m.Myths and Truths of InvestingSponsored by Veritas Financial Services LLCThis presentation looks at the still widely held myths of the investment community and the true story of investing from an academic standpoint. We will also discuss the warning signs that you are actually gambling and speculating with your portfolio versus prudently investing.» Generations, 1500 Douglas Dr., Room B» Jeremy Burri (920) 893-5262, [email protected]

6:15 – 7:15 p.m.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.» Generations, 1500 Douglas Dr., Room B» Jeremy Burri (920) 893-5262, [email protected]

7:30 – 8:30 p.m.Annuities: Peace of Mind or Costly MistakeSponsored by Veritas Financial Services LLCThe proliferation of annuity products over the past 10 years has been nothing short of amazing. This presentation will go over the considerations you must weigh to make sure your investment decisions are based on facts and logic, not fear of the market. We will show you methods to calcu-late the true rate of return promised by many of these products.» Generations, 1500 Douglas Dr., Room B» Jeremy Burri (920) 893-5262, [email protected]

Thursday, April 25 11:30 a.m. – 12:15 p.m.Protecting Your AssetsSponsored by Veritas Financial Services LLCAs important as accumulating wealth is, we also have to know how to protect it. Threats to your financial life come in all shapes and forms: from disability, death, criminal acts, and even longev-ity itself. In this class we will take a broad look at these topics and provide you with some important points to think about in protecting your assets.» Generations, 1500 Douglas Dr., Room B» Jeremy Burri (920) 893-5262, [email protected]

12:15 – 1 p.m.Living on a Fixed IncomeSponsored by Consumer Credit Counseling ServiceLiving on a fixed income is not easy, but there are ways to save money every day. Here’s how you can stick to that tight budget and still save for that rainy day!» Generations, 1500 Douglas Dr., Room B» Matt Kautzer (920) 458-3784, [email protected]

1 – 1:45 p.m.Medicare: What’s it Going to Cost Me?Sponsored by Sheboygan County Aging & Disability Resource CenterWhat you need to know about Medicare part A, B, C, and D.» Generations, 1500 Douglas Dr., Room B» Pat Haferman (920) 467-4076, [email protected]

1:45 – 2:30 p.m.Couponing 101 Boot CampSponsored by Jenni SteinLearn the “boot camp basics” of everyday couponing and saving money. Learn tips on how to save your family at least 50 percent on your food budget by using coupons, watching sales and comparing pricing. Attendees do not need any previous coupon skills. Attendees will be able to apply concepts immediately to save their family money. This class is for anyone looking to stretch their food budget and trim out any excess spend-ing (this is not extreme couponing). » Generations, 1500 Douglas Dr., Room B» Jenni Stein (920) 207-7838, [email protected]

5 – 6 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.» Generations, 1500 Douglas Dr., Room B» Lisa Arneson (920) 458-3784, [email protected]


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Cedar Grove Public Library131 West Van Altena Avenue • Cedar Grove

Lakeview Community Library112 Butler Street • Random Lake

Oostburg Public Library213 North 8th Street • Oostburg

Generations | 1500 Douglas Drive • Plymouth 6:15 – 7:15 p.m.5 Foundations of a Lifetime Income Sponsored by Thrivent Financial for LutheransWill your money last as long as your retirement? This session will discuss the financial effects of living longer and healthier lives in retirement. We’ll also share how you can develop and imple-ment an income strategy that will last through your retirement years. Come and hear some meaningful perspectives that can help guide your financial future.» Generations, 1500 Douglas Dr., Room B» Bart Malcomson, professional development manager, east Wisconsin and upper Michigan region (920) 851-0688, [email protected]

Thursday, April 25 4 – 5 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.» Cedar Grove Public Library, 131 West Van Altena Ave.» Jeannine Folan (920) 458-3784, [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.» Generations, 1500 Douglas Dr., Room B» Matt Kautzer (920) 458-3784, [email protected]

Friday, April 26 10 – 10:35 a.m.Preschool Story TimeSponsored by Cedar Grove Public LibraryStory time will feature books about money and math and will include a book called “A Dollar for Penny” which introduces counting and earn-ing money. The first 20 families will receive a complimentary copy of the book.» Cedar Grove Public Library, 131 West Van Altena Ave.» Nicole Linnaugh (920) 668-6834

Thursday, April 25 10 – 10:35 a.m.Preschool Story TimeSponsored by Lakeview Community LibraryStory time will feature books about money and

Thursday, April 25 10:30 – 11:15 a.m.Preschool Story TimeSponsored by Oostburg Public LibraryStory time will feature books about money and

math and will include a book called “A Dollar for Penny” which introduces counting and earn-ing money. The first 20 families will receive a complimentary copy of the book.» Lakeview Community Library, 112 Butler St., Random Lake» Darla Jean Krause (920) 994-4825

math and will include a book called “A Dollar for Penny” which introduces counting and earn-ing money. The first 20 families will receive a complimentary copy of the book.» Oostburg Library, 213 North 8th Street, Oostburg» Trixine Tahtinen (920) 564-2934

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Senior Meal SitesAdell • Cedar Grove • Howards Grove • Oostburg • Plymouth • Sheboygan • Sheboygan Falls

Cedar Grove – Monday, April 15 10:30 – 11:15 a.m.Preventing Financial Elder AbuseSponsored by Sheboygan County Health & Human ServicesLearn ways to protect yourself and others from financial elder abuse. Do you think that someone is spending an elderly persons’ money without their knowledge or understanding of what is happening? This class will help identify different types of financial elder abuse, how to report it, and how to prevent it.» First Reformed Church, 237 S. Main St., Cedar Grove» Christine Freund (920) 467-4120, [email protected]

Sheboygan Falls – Monday, April 22 11:15 a.m. – noonReverse Mortgage … is it Right for You?Sponsored by Cherry Creek MortgageExplore how a reverse mortgage works and whether it is right for your financial situation. » 650 Forest Ave., Sheboygan Falls» Peggy Ayers (920) 457-5626, [email protected]

Howards Grove – Tuesday, April 23 11:10 a.m. – noonLiving on a Fixed IncomeSponsored by Consumer Credit Counseling ServiceLiving on a fixed income is not easy, but there are ways to save money every day. Here’s how you can stick to that tight budget and still save for that rainy day!» Village Hall, 913 South Wisconsin Dr., Howards Grove » Jeannine Folan (920) 458-3784, [email protected]

Oostburg – Wednesday, April 24 10:45 – 11:30 a.m.Preventing Financial Elder AbuseSponsored by Sheboygan County Health & Human ServicesLearn ways to protect yourself and others from financial elder abuse. Do you think that someone is spending an elderly persons’ money without their knowledge or understanding of what is happening? This class will help identify different types of financial elder abuse, how to report it, and how to prevent it.» Civic Center, 213 North 8th St., Oostburg» Christine Freund (920) 467-4120, [email protected]

Adell – Thursday, April 25 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.» 510 Seifert St., Adell » Lisa Arneson (920) 458-3784, [email protected]

Plymouth – Thursday, April 25 11:30 a.m. – 12:15 p.m.Protecting Your AssetsSponsored by Veritas Financial Services LLCAs important as accumulating wealth is, we also have to know how to protect it. Threats to your financial life come in all shapes and forms: from disability, death, criminal acts, and even longevity itself. In this class we will take a broad look at these topics and provide you with some important points to think about in protecting your assets.» Generations, 1500 Douglas Dr., Plymouth, Room B» Jeremy Burri (920) 893-5262, [email protected]

12:15 – 1 p.m.Living on a Fixed IncomeSponsored by Consumer Credit Counseling ServiceLiving on a fixed income is not easy, but there are ways to save money every day. Here’s how you can stick to that tight budget and still save for that rainy day!» Generations, 1500 Douglas Dr., Plymouth, Room B» Matt Kautzer (920) 458-3784, [email protected]

1 – 1:45 p.m.Medicare: What’s it Going to Cost Me?Sponsored 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 B» Pat Haferman (920) 467-4076, [email protected]

1:45 – 2:30 p.m.Couponing 101 Boot CampSponsored by Jenni SteinLearn the “boot camp basics” of everyday couponing and saving money. Learn tips on how


15

Do you remember the glory years of banking, when telephone callswere answered by people, decisions were made locally by the person

sitting across the desk from you, and rates and fees were fair?

The glory years are easy to remember at Oostburg State Bankbecause they never actually left.

Oostburg State Bank has the ability to treat each customeras an individual and take care of their needs directly, along

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Modern Banking... the Old Fashioned Way

564-2336668-6216

OOSTBURGBANK.COM

Tom LeibhamOostburg

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Steve WisseCedar Grove

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THEGLORYYEARSSenior Meal Sites

to save your family at least 50 percent on your food budget by using coupons, watching sales and comparing pricing. Attendees do not need any previous coupon skills. Attendees will be able to apply concepts immediately to save their family money. This class is for anyone looking to stretch their food budget and trim out any excess spending (this is not extreme couponing). » Generations, 1500 Douglas Dr., Plymouth, Room B» Jenni Stein (920) 207-7838, [email protected]

Sheboygan – Thursday, April 25 11 – 11:45 a.m.Reverse Mortgage — is it Right for You?Sponsored by Cherry Creek MortgageExplore how a reverse mortgage works and whether it is right for your financial situation. » Zion Church, 1125 North 6th St., Sheboygan » Peggy Ayers (920) 457-5626, [email protected]

ONGOING EvENTSCredit Report AnalysisSponsored by United One Credit UnionVisit one of our offices for a free credit report analysis Monday – Friday, between 9 a.m. – 5 p.m. (April 22 – 26). No appointment needed. A lender

United One Credit UnionSheboygan

will help you look at your credit report and find ways to save money. » United One Credit Union offices (2122 Superior Ave. or 3509 Washington Ave., Sheboygan)» Sheila Mork, (920) 694-3906, [email protected]

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...in owning your own home.

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