WWW.FDLREPORTER.COM | SEPTEMBER 26, 20102

Dear Friend,

Welcome to Money Smart Week 2010!

Money Smart Week celebrates its fifth anniversary this year and once again o�ers outstanding sessions on a wide range of financial topics. On behalf of Governor Doyle’s Council on Financial Literacy, I invite you to take advantage of the campaign’s many educational opportunities. I encourage you to use this calendar to choose topics you find most useful.

As we in Wisconsin continue to work through di�cult economic times, education is the key to work through di�cult economic times, education is the key to financial survival and success. The programs in this calendar o�er a wise way to gain skills and knowledge. Nearly all are free!

O�erings will help you build confidence, take control of your personal finances, and benefit you now and in the future. Results are sure to enhance your personal and professional lives.

The greatest e�ords yield the greatest rewards! I urge Wisconsinites of all ages to get involved. Money Smart Week 2010 is loaded with value.

Best wishes for a productive and exciting week!

Sincerely,

Jessica DoyleHonorary ChairGovernor Doyle’s Council on Financial Literacy

ARE YOUMONEY SMART?

It’s too bad money doesn’t come with instructions because we all need to

know how to spend it, save it and borrow it wisely. That’s why financial

institutions, not-for-profits, schools, libraries and lots of others are

joining together to help support financial education during Wisconsin’s

fifth annual Money Smart Week – October 2 -9.

Hundreds of educational classes, seminars and activities will take place

around the state and focus on financial topics for all ages and walks of

life. This calendar of events features activities that are taking place close

to where you live but a full state-wide schedule can be found online at:

Be a part of it and learn to be Money Smart!

Money Smart Week is sponsored by the Federal Reserve Bank of Chicago & Governor Doyle’s Council on

Financial Literacy along with 500 other partner organizations throughout the state. Money Smart Week is a

registered service mark of the Federal Reserve Bank of Chicago. The Federal Reserve Bank of Chicago does

not endorse or sponsor any non-Federal Reserve Bank-related entities and/or their products and services

mentioned herein. Money Smart Week is sponsored by the Federal Reserve Bank of Governor Doyle’s

Council on Financial Literacy along moneysmartWI.org.

Money Smart Week is published by The Reporter, Fond du Lac. Contents of this section are published for The

Reporter. No part of this publication may be reproduced, stored in a retrieval system or transmitted in any form or by

means, electronic, mechanical, photocopying, recording or otherwise, without prior consent of The Reporter. For more

information, contact Liz Engh, at 920-907-7904 or e-mail lengh@fonddulac.gannett.com.

General Manager/Executive Editor: Richard Roesgen | Advertising Director: Joe Bembnister

Advertising Manager: Jen Memmel | Graphic Artist: Heather Nohr

Circulation Manager: Greg Fyvie | Regional Ad Production Center Manager: Tina Tweedale

It’

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Consumers and financial services professionals across the country watched and waited as the new financial reform bill took shape. Now that the final package has been approved by both the House and Senate and signed by President Obama, how will the new rules a�ect you as a consumer?

“Consumers may stand to benefit from many provisions of the reform,” says J. Michael Collins, family and consumer economics specialist with the University of Wisconsin-Extension and director of the Center for Financial Security at the UW-Madison. “Implementing the law will take time, but we will all see changes in our everyday interactions with financial institutions over the next year.”

Here are some of the highlights for consumers.

Consumer protection

rules for banks and other financial service providers, such as mortgage lenders, credit card and student loan companies. The new institution will be part of the Federal Reserve and will be headed by a director appointed by the President and confirmed by the Senate. Smaller banks and credit unions (those with assets of less than $10 billion) will be required to follow the bureau’s regulations, but responsibility for enforcing them will remain with existing regulators. Car dealerships are the only businesses exempt from these new regulations.

National consumer complaint hotline

database of consumer complaints about financial providers and products. The Bureau and related institutions must show what action is taken on complaints that are filed.

Credit and debit cards

card. That amount is now limited to $10.

The Federal Reserve will now be able to restrict the fees card issuers can collect on these transactions. However, the law applies only to big banks that issue cards—not to Visa and MasterCard. Businesses say they might be able to lower costs if they don’t have to pay transaction fees, but banks may find other ways to pass along the cost to consumers, such as by limiting “rewards” cards or perks such as free checking.

Mortgages

from inflating loan amounts or rates, and more fees and terms must be disclosed. Lenders will

now be required to check borrowers’ income and assets and also hold on to five percent of the loan, rather than sell all of it to investors. The law assumes that if lenders maintain a financial stake in the loan, they will exercise more caution in approving new mortgages.

Credit scores

due to a bad credit score, the lender must now reveal the credit score to the borrower at no charge. Consumers have always been legally entitled to three free credit reports, but traditionally it has been di�cult for borrowers to find out their credit (usually FICO) scores, which play a major role in determining loan eligibility.

Protection for investors

means they may not steer clients to investments that will profit their own commissions or firms. They must also inform clients of fees or potential conflicts of interest they might have.

Borrowers in distress

as authorizes $1 billion to help unemployed homeowners cover their mortgage payments. The law also creates a new O�ce of Financial Literacy to coordinate work across federal agencies.

All of the changes brought about by the new law come on top of 2009’s CARD Act, which has resulted in reforms to credit card statements and disclosures. “Consumers--and industry--are just now getting used to those changes,” says Collins. “Changes in fees and billing cycles have generally been well received. But more changes are in store in the coming year.”

To hear Collins answer more questions about the new law, go to http://fyi.uwex.edu/news/category/family-living/family-living-podcasts/

To obtain family financial management information, contact Michelle Tidemann, Fond du Lac County UW-Extension o�ce 920-929-3174 and visit: http://www.MyMoney.gov

Additional classes on di�erent financial literacy topics can be attended during Fond du Lac County Money Smart Week, October 2-9, 2010. See the Money Smart Week Calendar Insert found in the Fond du Lac Reporter and Action Advertiser.

What will the new financial reform law MEAN FOR CONSUMERS?

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SATURDAY, OCTOBER 2 Family Day

Shred FestBring your outdated financial records for destruction to this “Shred Fest.” A shredding truck will be on site to destroy these records immediately. There will be a maximum of 3 boxes accepted per person.Location Fox Valley Savings Bank, 51 E. First St., Fond du Lac, WI 54935 from 9am-noonPresented by Kirsten Quam, Marketing Direc-tor at Fox Valley Savings Bank

The Big Read: Fond du LacLearning to $ave is fun at The Big Read! Kids will receive a free copy of the phenomenally popular Little Critter book “Just Saving My Money.” Parents, can sign up children 8 and younger for this event, which includes a story time, songs and other fun activities.Location Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935. McLane Meeting Room at 10 amPresented by Julia Cartwright, Children’s Dept. at Fond du Lac Public Library

The Big Read: BrandonLearning to $ave is fun at The Big Read! Kids will receive a free copy of the phenomenally popular Little Critter book “Just Saving My Money.” Parents, can sign up children 8 and younger for this event, which includes a story time, songs and other fun activities.Location Brandon Public Library, 117 E. Main St., Brandon, WI 53919 at 10am

The Big Read: CampbellsportLearning to $ave is fun at The Big Read! Kids will receive a free copy of the phenomenally popular Little Critter book “Just Saving My Money.” Parents, can sign up children 8 and younger for this event, which includes a story time, songs and other fun activities.Location Campbellsport Public Library, 220 N Helena St., Campbellsport, WI 53010 at 10am

The Big Read: RiponLearning to $ave is fun at The Big Read! Kids will receive a free copy of the phenomenally popular Little Critter book “Just Saving My Money.” Parents, can sign up children 8 and younger for this event, which includes a story time, songs and other fun activities.Location Ripon Public Library, 120 Jefferson St., Ripon, WI 54971. Silver Creek Room at 10am

Family Moolah DayDrop in for a full day of fun for the whole fam-ily, with a Money Smart Treasure Hunt, play bingo, visit with Winnie the Fox, earn prizes and enjoy treats. For all ages. 10am: The Big Read 11am: Moolah Quiz awards Noon: Penny the Pig 1pm-2 pm: Dollar & Cents Trivia Wheel 1pm-2 pm: Moolah Bingo 1pm-2pm: Meet Ben Franklin & get a prizeLocation Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935. McLane Meeting Room from 11am-2pm

Penny the PigIf you’re looking for ways to teach your children about spending and saving money, you should attend this session. Start the discussion about spending, saving, investing and donating. Children ages 3 to 10 attending with a parent/guardian will receive a Penny the Pig bank.Location Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935. McLane Meeting Room at Noon-1pmPresented by Andrew Pevonka, Financial Representative at Northwestern Mutual Financial Network

How to Raise a MoneySmart ChildGiving your children or grandchildren a primer on money-management skills can have a posi-tive effect their entire lives. Invest your time today to benefit your family’s future. During this seminar, you’ll learn how to start teach-ing your child or grandchild about financial goal-setting, self-discipline and the basics of making wise money choices. Location Fond du Lac Public Library, 32 Sheboygan St., Fond du Lac, WI 54935. Mid-States Training Room from 10am-11amPresented by Benjamin C. Baertschy, Finan-cial Advisor at Edward Jones

Money-Saving Ideas from the Country DoctorIdeas on how to save money on your health-care bills through preventative medicine and simple approaches to take care of ourselves more natu-rally. How can we look at the lines in our faces, the spots on our fingernails and the furrows in our tongue and eyes to give us an indication of what we need to support and address in our bodies. Other ideas shared: the color of our eyes and what it tells us, simple antibiotics and pain relievers we have in our cupboards and a short history of natural medicine. Location Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935. Mid-States Training Room from 11am-noonPresented by Renee Waters, Naturopath at The Country Doctor

How to Raise a MoneySmart ChildGiving your children or grandchildren a primer on money-management skills can have a posi-tive effect their entire lives. Invest your time today to benefit your family’s future. During this seminar, you’ll learn how to start teach-ing your child or grandchild about financial goal-setting, self-discipline and the basics of making wise money choices. Location Campbellsport Public Library, 220 N Helena St., Campbellsport, WI 53010.Noon-1pmPresented by Benjamin C. Baertschy, Finan-cial Advisor at Edward Jones

MONDAY, OCTOBER 4 Investing, Estate Planning, Long-Term Care

Understanding Wills, Trusts and Powers of AttorneyPhilip Shepherd is an attorney specializing in estate planning. If you have ever wondered why, or if you need a will, this presentation is for you. He will explain the reasons and realities behind the documents. He will discuss wills, trusts and financial and health care powers of attorney. He also will look at how these documents and others can help avoid court proceedings such as probate and guardianships. There will be plenty of time for discussion and questions.Location Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935. McLane Meeting Room from 10am-11amPresented by Philip A. Shepherd, Attorney

Long-term Care and Health Care ReformThe session will cover preparing yourself for the unexpected and long-term health care issues and how the changes in Health Care Reform will affect consumers. You’ll learn if long-term care is the right fit for you.Location Fond du Lac Public Library, 32 Sheboygan St., Fond du Lac, WI 54935. Mid-States Training Room from 10am-11amPresented by Ann Menke, Agent at Great American Senior Benefits

Outlook and Opportunities: Tackling Tough QuestionsThis seminar will share strategies for manag-ing current investment risks while still working to address your long-term needs. Discussion will cover the questions: What if interest rates go up? What if the deficit gets worse? How will health-care legislation impact me?Location Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935. McLane Meeting Room from 11am-noonPresented by Benjamin C. Baertschy, Finan-cial Advisor at Edward Jones

Investing and Estate PlanningThis session will cover the basics of investing and estate planning.Location Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935. McLane Meeting Room from Noon-1pmPresented by Steve Millin, Financial Advisor at Edward Jones

Estate Planning Basics for EveryoneWhat is estate planning? Who needs it? Why is it important? What does it do? What are the documents that everyone should have? Can estate planning save taxes? Learn the answers to these and other questions about estate planning.Location Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935. McLane Meeting Room from 1pm-2pmPresented by Isabell M. Mueller, Attorney at Law Offices of Isabell M. Mueller

Being PreparedA detailed discussion of funeral planning, touching on the emotional and financial rami-fications. Also to include medical assistance preplanning strategies and basic estate planning initiatives.Location Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935. McLane Meeting Room from 2pm-3pmPresented by Janice Gove, Uecker-Witt Fu-neral Home AND Isabell M. Mueller, Attorney at Law Offices of Isabell M. Mueller

Lessons I Have Learned to be a Successful InvestorDiscussion of the fundamentals of investment that Kemp has employed as his own financial manager. These investment principles have enabled Kemp to build and maintain a suc-cessful financial portfolio into his retirement years.Location Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935. McLane Meeting Room from 5 pm-6:30 pmPresented by Jeff Kemp, Financial Educator

Plan for the Future TodayThis presentation will be geared to people who recently have entered the work force or who recently switched jobs/careers. It will focus on how they should handle their money, what is a 401-K, how to use credit wisely and how they can start planning for retirement NOW.Location Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935. Mid-States Training Room from 6pm-7pmPresented by Lisa Mader, Vice President, Private Banking at National Exchange Bank & Trust

Estate Planning for Parents of Young ChildrenWhat happens to your children if you are gone? Why is it important to name a guardian? How can you safeguard your children’s inheritance? Who manages your children’s inheritance? Learn the answers as well as what steps parents with young children need to take.

Location Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935. McLane Meeting Room from 7pm-8pmPresented by Isabell M. Mueller, Attorney at Law Offices of Isabell M. Mueller

Long-term Care and Health Care ReformThe session will cover preparing yourself for the unexpected and long-term health care issues and how the changes in Health Care Reform will affect consumers. You’ll learn if long-term care is the right fit for you.Location Campbellsport Public Library, 220 N Helena St., Campbellsport, WI 53010Noon-1pmPresented by Ann Menke, Agent at Great American Senior Benefits

How to Raise a MoneySmart ChildThis seminar will provide great tools and techniques for talking with children and grandchildren about money.Location Ripon Public Library, 120 Jefferson St., Ripon, WI 54971 from 10am-11amPresented by Greg Dragolovich, Financial Advisor at Edward Jones

Making Sense of RetirementThis seminar will help participants make informed decisions about retirement. They will gain a better understanding of the five-step planning process, analyze their current pre-retirement situation and understand the importance of consulting a professional to help them prepare for retirement.Location Ripon Public Library, 120 Jefferson St., Ripon, WI 54971 from 11am-noonPresented by Greg Dragolovich, Financial Advisor at Edward Jones

Understanding Wills, Trusts and Powers of AttorneyPhilip Shepherd is an attorney specializing in estate planning. If you have ever wondered why, or if you need a will, this presenta-tion is for you. He will explain the reasons and realities behind the documents. He will discuss wills, trusts and financial and health care powers of attorney. He also will look at how these documents and others can help avoid court proceedings such as probate and guardianships. There will be plenty of time for discussion and questions.Location Ripon Public Library, 120 Jefferson St., Ripon, WI 54971. Silver Creek Room from Noon-1pmPresented by Philip A. Shepherd, Attorney

Long-term Care and Health Care ReformThe session will cover preparing yourself for the unexpected and long-term health care issues and how the changes in Health Care Reform will affect consumers. You’ll learn if long-term care is the right fit for you.Location Ripon Public Library, 120 Jefferson St., Ripon, WI 54971 from 6pm-7pmPresented by Ann Menke, Agent at Great American Senior Benefits

Understanding Wills, Trusts and Powers of AttorneyPhilip Shepherd is an attorney specializing in estate planning. If you have ever wondered why, or if you need a will, this presenta-tion is for you. He will explain the reasons and realities behind the documents. He will discuss wills, trusts and financial and health care powers of attorney. He also will look at how these documents and others can help avoid court proceedings such as probate and guardianships. There will be plenty of time for discussion and questions.

Location Oakfield Public Library, 130 North Main St., Oakfield, WI 53065 from 2pm-3pmPresented by Philip A. Shepherd , Attorney

Making Sense of RetirementThis seminar will help participants make informed decisions about retirement. They will gain a better understanding of the five-step planning process, analyze their current pre-retirement situation and understand the importance of consulting a professional to help them prepare for retirement.Location Brandon Public Library, 117 E. Main St., Brandon, WI 53919 from 3pm-4pmPresented by Greg Dragolovich, Financial Advisor at Edward Jones

Understanding Wills, Trusts and Powers of AttorneyPhilip Shepherd is an attorney specializing in estate planning. If you have ever wondered why, or if you need a will, this presenta-tion is for you. He will explain the reasons and realities behind the documents. He will discuss wills, trusts and financial and health care powers of attorney. He also will look at how these documents and others can help avoid court proceedings such as probate and guardianships. There will be plenty of time for discussion and questions.Location Brandon Public Library, 117 E. Main St., Brandon, WI 53919 from 4pm-5pmPresented by Philip A. Shepherd, Attorney

TUESDAY, OCTOBER 5 Business Topics

Turning Your Idea into IncomeTurning your idea into a business opportunity can often seem daunting. However, getting the right start can make the difference between success or failure. Budding entrepreneurs will discover several beginning concepts, strate-gies and tools that will get them on the right footing for moving their idea to reality. Focus will be on proven early steps entrepreneurs can take to achieve their business dreams. Participants will learn whether they are ready to start a business, options for assembling a business plan, ideas for conducting market research, financing and various useful tools and resources for honing and testing a busi-ness idea.Location Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935. McLane Meeting Room from 9am-10amPresented by Owen Rock, Business Strategist at FDL County Economic Development Corp.

Can You A!ord to Retire?Affording to retire is one of the greatest concerns facing people today. Are you at risk? Learn how to: - Estimate the cost of your retirement. - Understand various tax laws with regard to your investments - Invest to pursue growth, income and stability - Take a balanced approach to investing and working toward your goals - Determine a long-term allocation of funds that match your investing profile - Discuss how to make informed investment decisions to suit your needs and goals - Learn how to adjust your portfolio to help keep pace with inflation, reduce your risk and maintain the potential for competitive returns - Prepare for a comfortable and rewarding retirement lifestyleLocation Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935. McLane Meeting Room from 4pm-5pmPresented by Rose Bertram, Financial Advisor at Rose Bertram, LLC

seminar schedule

Continued on Page 6

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Take a New Look at LifeThis is an interactive and educational overview of life insurance planning: it’s importance, applications and an introduction to different types of policies. This presentation is for individuals seeking basic knowledge, all the way toward experienced life insurance owners that are looking for new ideas.Location Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935. McLane Meeting Room from 5pm-6pmPresented by Andrew Pevonka, Financial Representative at Northwestern Mutual Financial Network

Wealth WatchersAlice Wood, author of “Wealth Watchers: A Simple Program to Help You Spend Less and Save More,” will speak about her organiza-tion, Wealth Watchers® International and its goal of helping people spend less money than they make. According to Alice, “The measure-ment of our success is to see consumer debt rates decline, bankruptcy rates decline, foreclosure rates decline and the national personal savings rate reach 10 percent.” The foundation of the program is the Wealth Watchers Journal, a simple tool to help people set and track a daily goal for spending and saving. By using this journal, people can easily identify how much money they have to spend each and every day without blowing their budget.Location Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935. McLane Meeting Room from 6pm-7:30pmPresented by Alice Wood, Founder & Presi-dent at Wealth Watchers International

Wisconsin’s Long Term Care Partnership Program - What It is and How Does It Work?Learn how Wisconsin’s Long Term Care Part-nership program can help you protect more of your assets. - What is long-term care? - How much does it cost? - How can proper planning help you protect your retirement assets, estate and your fam-ily’s well-being? - What are your options for funding long-term care? - What will Medicare and Medicaid pay, and what won’t they pay? - Is long-term care insurance an option for you?Location Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935. Mid-States Training Room from 6pm-7pmPresented by Rose Bertram, Financial Advisor at Rose Bertram, LLC

Money-Saving Ideas from the Country DoctorIdeas on how to save money on your health-care bills through preventative medicine and simple approaches to take care of ourselves more naturally. How can we look at the lines in our faces, the spots on our fingernails and the furrows in our tongue and eyes to give us an indication of what we need to support and address in our bodies. Other ideas shared: the color of our eyes and what it tells us, simple antibiotics and pain relievers we have in our cupboards and a short history of natural medicine. Location Oakfield Public Library, 130 North Main St., Oakfield, WI 53065 from 11am-noonPresented by Renee Waters, Naturopath at The Country Doctor

Turning Your Idea into IncomeTurning your idea into a business opportunity can often seem daunting. However, getting the right start can make the difference between success or failure. Budding entrepreneurs will discover several beginning concepts, strate-gies and tools that will get them on the right footing for moving their idea to reality. Focus will be on proven early steps entrepreneurs can take to achieve their business dreams. Participants will learn whether they are ready to start a business, options for assembling a business plan, ideas for conducting market research, financing and various useful tools and resources for honing and testing a busi-ness idea.Location Campbellsport Public Library, 220 N Helena St., Campbellsport, WI 53010 from 11am-noonPresented by Owen Rock, Business Strategist at FDL County Economic Development Corp.

Turning Your Idea into IncomeTurning your idea into a business opportunity can often seem daunting. However, getting the right start can make the difference between success or failure. Budding entrepreneurs will discover several beginning concepts, strategies and tools that will get them on the right footing for moving their idea to reality. Focus will be on proven early steps entrepreneurs can take to achieve their business dreams. Participants will learn whether they are ready to start a business, options for assembling a business plan, ideas for conducting market research, financing and various useful tools and resources for honing and testing a business idea.Location Ripon Public Library, 120 Jefferson St., Ripon, WI 54971, Silver Creek Room from 3pm-4pmPresented by Owen Rock, Business Strategist at FDL County Economic Development Corp.

WEDNESDAY, OCTOBER 6 Open Topics

Preplanning Your FuneralMost of us plan ahead in life. We plan for our wedding, our children’s education, family vacations and other significant expected life events. We also plan for the unexpected life events by purchasing home, auto and medical insurance. Understanding the benefits of preplanning a funeral prompts many people to take steps to plan their own arrangements. Why Preplan? Peace of mind. Many who have undergone the emotional strain of arranging a funeral within hours of losing a loved one have made the choice to preplan their own funeral. Doing so lifts the burden from their loved ones by relieving decision-making pres-sure at the time of grief and emotional stress. Funeral arrangements and memorial decisions are deeply personal choices. Preplanning provides you with the time needed to make practical, detailed decisions that reflect your standards, lifestyle, taste and budget. According to the Federal Trade Commission, all funeral homes must reveal their prices so that consumers may be advised of the total cost. You do not have to prepay or prefinance your plan, but doing so relieves your family of the burden.Location Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935. McLane Meeting Room from 9am-10amPresented by Gianna Wachholz-Ehlert, Funeral Director at Twohig Funeral Home

Identity FraudOfficer Olson will share with attendees information on how identity fraud happens and how you can takes steps to prevent it from happening.

Location Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935. McLane Meeting Room from 10am-11amPresented by Steve Olson, Fond du Lac Police Dept.

How to Build and Improve Your Credit Score Your credit score and the accuracy of your credit report are important to you. Learn how to improve your score, clean up your credit and how to obtain a FREE copy of your credit report.Location Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935. McLane Meeting Room from 11am-noonPresented by Tammy Matzdorf, Certified Consumer Credit Counselor and Housing Counselor at Consumer Credit Counseling Service

Getting Out of Debt FasterLearn 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.Location Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935. McLane Meeting Room from Noon-1pmPresented by Tammy Matzdorf, Certified Consumer Credit Counselor and Housing Counselor at Consumer Credit Counseling Service

Protect Yourself from Identity TheftThe growth of more convenient and efficient financial services has been accompanied by new and ever-changing forms of fraud. Presenter Jenn Wilke has been involved in the bank’s fraud mitigation efforts. She will share what she’s learned from her own experiences in finance to help you learn steps you can take to protect yourself and loved ones.Location Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935. McLane Meeting Room from 3pm-4pmPresented by Jenn Wilke, Business Service Specialist at National Exchange Bank & Trust

Managing Holiday Spending (and Stress) Learn and understand why the holidays cause stress and how to deal with the financial strains of the holidays.Location Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935. McLane Meeting Room from 6pm-7pmPresented by Tammy Matzdorf, Certified Consumer Credit Counselor and Housing Counselor at Consumer Credit Counseling Service

Beating the Financial Squeeze This program will provide you with the tools to develop and implement a successful spending plan to help you take control of your financial matters.Location Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935. McLane Meeting Room from 7pm-8pmPresented by Tammy Matzdorf, Certified Consumer Credit Counselor and Housing Counselor at Consumer Credit Counseling Service

Fraud BingoEveryone must be on guard against scams. Come to the Senior Center to play BINGO and learn about the many guises of fraud. Signs of fraud and tips for avoiding scams are included. All these topics are learned while playing a fun interactive game of FREE FRAUD BINGO! (This is not a Fraud!) Gifts will be available for all BINGO winners!

Location Fond du Lac Senior Center, 151 E. First St., Fond du Lac, WI 54935 from 2pm-3pmPresented by Tammy Matzdorf, Certified Con-sumer Credit Counselor and Housing Counselor at Consumer Credit Counseling Service

Internet Safety/FraudDave Lukoski will present a PowerPoint on how to stay safe on the internet and prevent fraud. Location Ripon Public Library, 120 Jefferson St., Ripon, WI 54971 from 9am-10:30amPresented by Dave Lukoski, Chief at Ripon Police Dept.

Prearrange for Peace of MindThe importance of preplanning your funeral wishes.Location Ripon Public Library, 120 Jefferson St., Ripon, WI 54971 from 11am-noonPresented by Todd Goheen, Owner at Butzin-Marchant Funeral Home

Where Does the Money Go?Do you know where your money really goes? Take control of your money and better manage the money you have. You will learn money-management skills and receive materi-als to help you set up a spending plan. This session is hands-on and interactive.Location Ripon Public Library, 120 Jefferson St., Ripon, WI 54971 from Noon-1pmPresented by Michelle Tidemann, Family Liv-ing Educator at UW-Extension, FDL County

Understanding CreditDo you own a credit card or plan to own one? This class will give individuals information on what credit is, the costs of credit and how to select and wisely use a credit card. Partici-pants will learn how to obtain a credit report and understand the information on it.Location Ripon Public Library, 120 Jefferson St., Ripon, WI 54971 from 1pm-2pmPresented by Michelle Tidemann, Family Liv-ing Educator at UW-Extension, FDL County

Preplanning Your FuneralMost of us plan ahead in life. We plan for our wedding, our children’s education, family vaca-tions and other significant expected life events. We also plan for the unexpected life events by purchasing home, auto and medical insurance. Understanding the benefits of preplanning a funeral prompts many people to take steps to plan their own arrangements. Why Preplan? Peace of mind. Many who have undergone the emotional strain of arranging a funeral within hours of losing a loved one have made the choice to preplan their own funeral. Doing so lifts the burden from their loved ones by relieving decision-making pressure at the time of grief and emotional stress. Funeral arrangements and memorial decisions are deeply personal choices. Preplanning provides you with the time needed to make practical, detailed decisions that reflect your standards, lifestyle, taste and budget. According to the Federal Trade Commission, all funeral homes must reveal their prices so that consumers may be advised of the total cost. You do not have to prepay or prefinance your plan, but doing so relieves your family of the burden.Location Campbellsport Public Library, 220 N Helena St., Campbellsport, WI 53010 from 10am-11amPresented by Robert Twohig, Owner at Twohig Funeral Home

Money-Saving Ideas from the Country DoctorIdeas on how to save money on your health-care bills through preventative medicine and simple approaches to take care of ourselves more natu-rally. How can we look at the lines in our faces, the spots on our fingernails and the furrows in our tongue and eyes to give us an indication of what we need to support and address in our

bodies. Other ideas shared: the color of our eyes and what it tells us, simple antibiotics and pain relievers we have in our cupboards and a short history of natural medicine. Location Campbellsport Public Library, 220 N Helena St., Campbellsport, WI 53010 from 3pm-4pmPresented by Renee Waters, Naturopath at The Country Doctor

Where Does My Money Go?Do you know where your money really goes? Take control of your money and better manage the money you have. You will learn money-management skills and receive materi-als to help you set up a spending plan. This session is hands-on and interactive.Location Campbellsport Public Library, 220 N Helena St., Campbellsport, WI 53010 from 4pm-5pmPresented by Michelle Tidemann, Family Liv-ing Educator at UW-Extension, FDL County

Understanding CreditDo you own a credit card or plan to own one? This class will give individuals information on what credit is, the costs of credit and how to select and wisely use a credit card. Partici-pants will learn how to obtain a credit report and understand the information on it.Location Campbellsport Public Library, 220 N Helena St., Campbellsport, WI 53010 from 5pm-6pmPresented by Michelle Tidemann, Family Liv-ing Educator at UW-Extension, FDL County

THURSDAY, OCTOBER 7 Basic Budgeting/Banking/Saving/Spending/Dealing With Drop In Income/ Unemployment

Identity TheftHow to best protect your financial information from fraud and identity theft. Shireen Johnson, Risk Manager, will cover such areas as when and when not to share personal information, rules to keep your financial information safe and what you should do if identity theft should occur.Location Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935McLane Meeting Room from 10am-11amPresented by Shireen Johnson, Risk Manager at CitizensFirst Credit Union

When There is a Drop in IncomeHave you experienced a change in your in-come? Financial experts recommend having a spending plan for managing your money. Good financial planning is even more essential in tough times. This session will give participants information on financial skills to use when there is a change in income and how to adjust your spending plan.Location Fond du Lac Public Library 32 Sheboygan St., Fond du Lac, WI 54935McLane Meeting Room from 11am-noonPresented by Michelle Tidemann, Family Liv-ing Educator at UW-Extension, FDL County

Wisconsin’s Long Term Care Partnership Program - What It is and How Does It Work?Learn how Wisconsin’s Long Term Care Part-nership program can help you protect more of your assets. - What is long-term care? - How much does it cost? - How can proper planning help you protect your retirement assets, estate and your fam-ily’s well-being?

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- What are your options for funding long-term care? - What will Medicare and Medicaid pay, and what won’t they pay? - Is long-term care insurance an option for you?Location Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935McLane. Meeting Room from 4pm-5pmPresented by Rose Bertram, Financial Advisor at Rose Bertram, LLC

Financial Planning for CollegeThis presentation will cover how to plan ahead for meeting college costs. Additional topics included are identifying and estimating annual college expenses; an examination of federal, state and institutional sources of financial aid; and grant, scholarship, loan and work-study programs. Location Fond du Lac Public Library 32 Sheboygan St., Fond du Lac, WI 54935. McLane Meeting Room from 5pm-6pmPresented by Tom Martin, Asst. Campus Dean for Student Services at UW-Fond du Lac

Common Sense Ways to SaveWe all can save money, but why and how are the questions. Learn different ways of approaching savings and how to start a sav-ings habit.Location Fond du Lac Public Library 32 Sheboygan St., Fond du Lac, WI 54935. Mid-States Training Room from 5pm-6pmPresented by Tammy Matzdorf, Certified Con-sumer Credit Counselor and Housing Counselor at Consumer Credit Counseling Service

Can You A!ord to Retire?Affording to retire is one of the greatest concerns facing people today. Are you at risk? Learn how to: - Estimate the cost of your retirement. - Understand various tax laws with regard to your investments - Invest to pursue growth, income and stability - Take a balanced approach to investing and working toward your goals - Determine a long-term allocation of funds that match your investing profile - Discuss how to make informed investment decisions to suit your needs and goals - Learn how to adjust your portfolio to help keep pace with inflation, reduce your risk and maintain the potential for competitive returns - Prepare for a comfortable and rewarding retirement lifestyleLocation Fond du Lac Public Library 32 Sheboygan St., Fond du Lac, WI 54935. McLane Meeting Room from 6pm-7pmPresented by Rose Bertram, Financial Advisor at Rose Bertram, LLC

Tax Planning Tips to Maximize your Tax ReturnThis session will explain the W-4 regarding how much (or how little) will be withheld from your paycheck, also planning the size of your refund. How to elect to have withholding from pension distributions, Social Security benefits and unemployment benefits. Also paying estimated taxes for self-employed persons.Location Fond du Lac Public Library 32 Sheboygan St., Fond du Lac, WI 54935. Mid-States Training Room from 6pm-7pmPresented by Lynn Groesbeck, Enrolled Agent at H&R Block

How to Raise a MoneySmart ChildThis seminar will provide great tools and techniques for talking with children and grandchildren about money.Location Brandon Public Library, 117 E. Main St., Brandon, WI 53919 from 3pm-4pmPresented by Greg Dragolovich, Financial Advisor at Edward Jones

Where Does the Money Go?Do you know where your money really goes? Take control of your money and better manage the money you have. You will learn money-management skills and receive materi-als to help you set up a spending plan. This session is hands-on and interactive.Location Brandon Public Library, 117 E. Main St., Brandon, WI 53919 from 4pm-5pmPresented by Michelle Tidemann, Family Liv-ing Educator at UW-Extension, FDL County

Understanding CreditDo you own a credit card or plan to own one? This class will give individuals information on what credit is, the costs of credit and how to select and wisely use a credit card. Partici-pants will learn how to obtain a credit report and understand the information on it.Location Brandon Public Library, 117 E. Main St., Brandon, WI 53919 from 5pm-6pmPresented by Michelle Tidemann, Family Liv-ing Educator at UW-Extension, FDL County

Be Supermarket SavvyAre you looking for tips and ideas on how to plan meals better? Understand what the labels on food are telling you? Save money on your family food bill? This hands-on class will show participants different skills to use when shopping for your family’s foods, keeping costs in line with your family’s food budget.Location Festival Foods, 1125 E. Johnson St., Fond du Lac, WI from 2pm-3pmPresented by Michelle Tidemann, Family Liv-ing Educator at UW-Extension, FDL County

FRIDAY, OCTOBER 8 Open Topics

Investing and Estate PlanningThis session will cover the basics of invest-ing and estate planning.Location Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935 McLane Meeting Room from Noon-1pmPresented by Steve Millin, Financial Advisor at Edward Jones

Living on One Income Whether you are facing a job loss, retire-ment, or choose to stay home living on one income can be challenging. Join Tammy Matzdorf of Consumer Credit Counseling to learn how to budget, get out of debt, save money, and live within your means.Location Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935 McLane Meeting Room from 1pm-2pmPresented by Tammy Matzdorf, Certified Consumer Credit Counselor and Housing Counselor at Consumer Credit Counseling Service

Getting Your Financial Check-up Where are you now financially? Where do you want to be? Learn the steps to achieve good financial health.Location Fond du Lac Public Library, 32 Sheboygan St., Fond du Lac, WI 54935 McLane Meeting Room from 2pm-3pmPresented by Tammy Matzdorf, Certified Consumer Credit Counselor and Housing Counselor at Consumer Credit Counseling Service

You and Your

Credit ReportLearn what a credit report contains and how this information is used by creditors to determine whether or not you will be con-sidered for a loan. Find out who the three major credit bureaus are and how to obtain a FREE copy of your credit report.Location Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935 McLane Meeting Room from 3pm-4pmPresented by Tammy Matzdorf, Certified Consumer Credit Counselor and Housing Counselor at Consumer Credit Counseling Service

Home Buying SeminarDiscussing guides for responsible homeown-ership and differences between mortgage products.Location Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935 McLane Meeting Room from 4pm-5pmPresented by Kim C. Kamine, Mortgage Loan Officer Marine at Credit Union

Tax Planning Saving for College/Higher EdThere are tax breaks available for attending college for the taxpayer and dependent. This session will explain the Hope Credit, Lifetime Learning Credit, Tuition and Fees Deduction and Student Loan Interest Deduction.Location Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935. Mid-States Training Room from 4pm-5pmPresented by Lynn Groesbeck, Enrolled Agent at H&R Block

Be Supermarket SavvyAre you looking for tips and ideas on how to plan meals better? Understand what the labels on food are telling you? Save money on your family food bill? This hands-on class will show participants different skills to use when shopping for your family’s foods, keeping costs in line with your family’s food budget.Location Festival Foods, 1125 E. Johnson St., Fond du Lac, WI from 11am-noonPresented by Michelle Tidemann, Family Liv-ing Educator at UW-Extension, FDL County

SATURDAY, OCTOBER 9 Real Estate, Mortgages, Refinancing

Shred FestBring your outdated financial records for destruction to this “Shred Fest.” A shredding truck will be on site to destroy these records immediately. There will be a maximum of 3 boxes accepted per person.Location Horicon Bank, 854 E. Johnson St., Fond du Lac, WI 54935 from 9am-noon

How to Navigate the Home Loan ProcessNeil Kotter will speak about the various home-loan options available for home buyers, why and when it is wise to refinance your home, required documentation, timelines for both purchases and refinanced homes and how your credit score affects your home loan. In

addition, he will discuss how the “mortgage crisis” has affected lending policies and prop-erty values, followed up with an opportunity to ask questions and consult one-on-one.Location Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935. Mid-States Training Room from 9am-10amPresented by Neil Kotter, Home Loan Special-ist at CitizensFirst Credit Union

5 Easy Steps to Buying the Perfect HomeBy following the five easy steps in this presen-tation, you and your family will be on your way to buying the perfect home.Location Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935. Mid-States Training Room from 10am-11amPresented by Michael A. Opheim, Mortgage Advisor at AmericaHomeKey, Inc.

The Ins and Outs of Mortgage LoansWhat you need to know for you on the topic of mortgage loans and refinancing in today’s unique market. Session will include discus-sion of: - What to know about getting a mortgage to buy a new home - How to save time and money - What to know before refinancing your current mortgage - Avoiding unnecessary fees - Comparison home-loan shopping techniques Location Fond du Lac Public Library, 32 She-boygan St., Fond du Lac, WI 54935. Mid-States Training Room from 11am-noonPresented by Diane Hinze, Senior Loan Officer at AmeriCU Mortgage

Understanding Wills, Trusts and Powers of AttorneyPhilip Shepherd is an attorney specializing in estate planning. If you have ever wondered why, or if you need a will, this presenta-tion is for you. He will explain the reasons and realities behind the documents. He will discuss wills, trusts and financial and health care powers of attorney. He also will look at how these documents and others can help avoid court proceedings such as probate and guardianships. There will be plenty of time for discussion and questions.Location Campbellsport Public Library, 220 N Helena St., Campbellsport, WI 53010 from 10am-11amPresented by Philip A. Shepherd, Attorney

seminar schedule

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