money smart week - sheboygan 2014

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.

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Governor’s Council on Financial Literacy

WI Department of Financial Institutions, Office of Financial LiteracyMail: PO Box 7846, Madison, WI 53707-7846

Voice: (608) 267-1713 Fax

Dear Friends,

I am pleased to write this message of support for the 201scheduled for April 5-12 in dozens of committees are planning hundreds of Money Smart Week events with the assistance of thousands of volunteers. These events will allow of financial topics ranging from family budgeting

Governor Walker and I are pleased to be able to join the Governor’s Council on Financial and many other organizers in support of

Money Smaever- Money Smart Week Wisconsin organization and hundreds of partners, educational opportunities will abound during thislong focus on personal finance.

On behalf of the Governor’s Council on Financial Literacy, I encourage all Wisconsinites to improve their financial well-being by taking part in the Money Smart Week activities in their communities. This annual event,lives of many Wisconsin residents.

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 Wisconsin Ambassador, Governor’s Council on Financial Literacy


Courier: 201 W. Washington Ave. Ste. 300ax: (608) 267-6813 TTY: (608) 266-8818 Internet: w

State of Wisconsin Scott Walker, Governor

4 Money Smart Week Wisconsin, communities across the state. More than 30

Wisconsin consumers to to insurance to planning for retirement.

Literacy, the Department of Financial Institutions,rt Week. Education is definitely the key to financial survival and success in these

changing economic times. Through the efforts of the

first held in 2006 in Wisconsin, truly makes a difference in the

, Madison, WI 53703 : www.wdfi.org

organizing

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Horace Mann Middle School2820 Union Avenue • Sheboygan

Monday, April 7 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.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 124» Jeremy Burri (920) 893-5262, [email protected]

5 - 6 p.m.Understanding Marital Finances from a Divorce Attorney’s PerspectiveSponsored by Rohde Dales LLPThis session will cover key information on what both spouses should know about their finances.» Horace Mann Middle School, 2820 Union Ave., room 125» Stephanie E. Malis (920) 458-5501, [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]

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.» Horace Mann Middle School, 2820 Union Ave., room 128» Pam Otten (920) 459-8933, [email protected]

6:15 - 7:15 p.m.Make Sure You Get a Mortgage You Can AffordSponsored by Community Bank & TrustAre you ready to buy or refinance your dream

home today? New rules are in place for 2014. Know your options and understand homeowner-ship with the new requirements of a Qualified Residential Mortgage.» Horace Mann Middle School, 2820 Union Ave., room 123» Wendy Conto (920) 208-1111, [email protected]

6:15 - 7:15 p.m.Working with an Investment Advisor …What to ConsiderSponsored by Veritas Financial Services LLCThe financial services industry can be very confusing. 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. In this class we’ll cut through all of the industry speak, and get to the core of the issues. We’ll examine what the all the titles mean, how professionals in the industry get compensated, their duties and standards, and the important issues to consider when working with and advisor.» Horace Mann Middle School, 2820 Union Ave., room 124» 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 125» Paulette Ruminski (920) 268-1600, [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. This is a “must see” class given all the recent data breaches that have occurred.» Horace Mann Middle School, 2820 Union Ave., room 126» Ken King (920) 458-3784, [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

The Educated Investor is a Better Investor.

We bring Truth and Clarity to financial decisions faced by Investors.

You want Honesty and Transparency disclosure; NOT another sales pitch.

We offer 40 Years Expertise in the Financial World

Margaret, Jeremy, Mark and Stephanie invite you to be an active participant in one of our many classes:

The Myths and Truths of Investing Don’t be a Dumb Money Investor

Planning for a Tax-Free Retirement Costs: The Dark Side of Investing

Annuities: Peace of Mind or Costly Mistake? www.veritasinvesting.com

veritasfinancial.blogspot.com www.facebook.com/veritasinvesting.com

Registered Investment Advisor

505 E. Mill St. Ste. 101 Plymouth, WI • 932 Main St. Ste. E Oshkosh, WI • Phone: 920-893-5262 • Fax: 920-893-5689

Investment Advisor Representative Investment Advisor Representative

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.» Horace Mann Middle School, 2820 Union Ave., room 128» 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 how to value the vehicle you want to purchase and your trade in. Learn the Do’s and Don’ts of car buying options.» Horace Mann Middle School, 2820 Union Ave., room 123» Pam Madden (920) 459-5154, [email protected]

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 St. 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 behaviors of the “smart money”, and how to pattern their successful investing behavior.» Horace Mann Middle School, 2820 Union Ave., room 124» 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 Exchange (a new program through which to purchase health insurance) are a reality. This session will outline what the exchange is, how it will work, the levels of coverage, and why you may, or may not, choose to consider the exchange when purchasing health insurance coverage.» Horace Mann Middle School, 2820 Union Ave., room 125» Paulette Ruminski (920) 268-1600, [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]

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Horace Mann Middle School | 2820 Union Avenue • Sheboygan 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? » Horace Mann Middle School, 2820 Union Ave., room 128» Pam Otten (920) 459-8933, [email protected]

Tuesday, April 8 5 - 6 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 123» Jeannine Folan (920) 458-3784, [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 124» Mike Reinbold (920) 452-7711, [email protected]

5 - 6 p.m.Making Your 401(k) Work HarderSponsored by Veritas Financial Services LLCAre you frustrated with your 401(k)? Seeming to go nowhere over time? Confused about your vast array of fund choices? In this class we look at the right, and wrong way to approach getting the most of out of your 401(k).» Horace Mann Middle School, 2820 Union Ave., room 125» Jeremy Burri (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 126» Lisa Arneson (920) 458-3784, [email protected]

5 - 6 p.m.Make Sure You Get a Mortgage You Can AffordSponsored by Community Bank & TrustAre you ready to buy or refinance your dream

home today? New rules are in place for 2014. Know your options and understand homeowner-ship with the new requirements of a Qualified Residential Mortgage.» Horace Mann Middle School, 2820 Union Ave., room 128» Wendy Conto (920) 208-1111, [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 123» Jeannine Folan (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 and not sure where to begin? • 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 124 » Kristin Bell Abell (920) 693-1658, [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 125» Jeremy Burri (920) 893-5262, [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]

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Horace Mann Middle School | 2820 Union Avenue • Sheboygan 6:15 - 7:15 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 128» Craig Ader (920) 996-2231, [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 123» Jeannine Folan (920) 458-3784, [email protected]

7:30 - 8:30 p.m.A Hobby Farmer’s Business PlanSponsored by Sheboygan Chamber of CommerceSo, you want to make money by growing “crops”? So do I! However, it is not as easy as you might think. Hear the challenges in developing a hobby farm that might actually break even! Yes, you have to plan, plan, plan, and then re-work the plan.» Horace Mann Middle School, 2820 Union Ave., room 124» John Rogers (920) 457-9491, [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 125» Jeremy Burri (920) 893-5262, [email protected]

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]

Wednesday, April 9 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 jour-

ney through the options when choosing to start your Social Security payments. It not always a straight forward decision.» Horace Mann Middle School, 2820 Union Ave., room 123» Thomas Binversie, Financial Advisor (920) 783-2311, [email protected]

5 - 6 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 125» Paulette Ruminski (920) 268-1600, [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 126» Lisa Arneson (920) 458-3784, [email protected]

5 - 6 p.m.Yard and Garden Makeovers on a BudgetSponsored by Rob Zimmer, Yard MDTired of looking at the same old lawn and land-scaping? I’ll show you some colorful, creative ways to give your yard and garden a makeover for next to nothing! Whether you are looking for a complete yard redo, or a few quick projects to spice up the landscape, I’ll have some great ideas for you.» Horace Mann Middle School, 2820 Union Ave., room 128» Rob Zimmer (920) 993-1000, [email protected]

6:15 - 7:15 p.m.Game Changers: Are Your Investments Prepared for Tomorrow’s Unknowns?Sponsored by The Financial Group, Inc.What if I were to tell you there are investors who have been successful over the past decade doing something quite different from traditional invest-ing? Investors that have grown their assets in the face of this unprecedented volatility? Who are they and how can you pattern yourself after them

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Horace Mann Middle School | 2820 Union Avenue • Sheboyganwill be answered in this unique discussion of how non-traditional investing can make a difference in your financial life.» Horace Mann Middle School, 2820 Union Ave., room 123» Greg Reineking (920) 451-6800, [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.Medicare: What You Need to KnowSponsored 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 125» Dorcas George (920) 268-1600, [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 Right Way to Buy a CarSponsored by Sheboygan Area Credit UnionLearn how to value the vehicle you want to purchase and your trade in. Learn the Do’s and Don’t’s of car buying options.» Horace Mann Middle School, 2820 Union Ave., room 123» Pam Madden (920) 459-5154, [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 123» Greg Reineking (920) 451-6800, [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 128» Cammy Jorstad, RPh (920) 459-7467, [email protected]

Thursday, April 10 5 - 6 p.m.Build a Resume That Makes Your Phone Ring!Sponsored by Great Lakes Training & Development CorporationWhat is the key to building a resume in this day and age? How you construct a resume for today’s job market is different from what you may have done in the past. This session will talk about tips to writing or updating your resume to get your telephone to ring!» Horace Mann Middle School, 2820 Union Ave., room 123» Linda Rauwerdink (920) 208-5817 [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.Don’t Bet Your Life On It …Sponsored by Veritas Financial Services LLCOverview of why life insurance is important, what it is, and different types of coverage.» Horace Mann Middle School, 2820 Union Ave., room 125» Stephanie Alecos (920) 744-0010, [email protected]

5 - 6 p.m.Medicare: What You Need to KnowSponsored 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.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

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Horace Mann Middle School | 2820 Union Avenue • Sheboygangoals; it’s about making things happen!» Horace Mann Middle School, 2820 Union Ave., room 128» Ken King (920) 458-3784, [email protected]

6:15 - 7:15 p.m.The Key to a Successful Interview? Be Prepared!Sponsored by Great Lakes Training & Development CorporationInterviews are like the unknown world of employ-ers and we never really know what to expect. This workshop will help you prepare for the unex-pected. You will learn that being prepared, doing research, dressing properly and other great tips will put you a step closer to the job you want.» Horace Mann Middle School, 2820 Union Ave., room 123» Gladys Godinez (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.Game Changers: Are Your Investments Prepared for Tomorrow’s Unknowns?Sponsored by The Financial Group, Inc.What if I were to tell you there are investors who have been successful over the past decade doing something quite different from traditional invest-ing? Investors that have grown their assets in the face of this unprecedented volatility? Who are they and how can you pattern yourself after them will be answered in this unique discussion of how non-traditional investing can make a difference in your financial life.» Horace Mann Middle School, 2820 Union Ave., room 125» Greg Reineking (920) 451-6800, [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.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 128» Ken King (920) 458-3784, [email protected]

7:30 - 8:30 p.m.Intelligent Investing: What You Think You Know May Hurt You! Sponsored by Kevin Bay InvestmentsWondering what to do with your retirement plan? Looking to grow your assets for your children to go to college? Many investors, concerned with safely growing their assets, spend time understanding the basics. In this class you 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 Benjamin Graham’s classic book, “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 123 » Adam Ryback (262) 691-2013, [email protected]

7:30 - 8:30 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

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.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]

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Generations1500 Douglas Drive • Plymouth

Tuesday, April 8 11:30 a.m. - 12:30 p.m.How Can I Afford to Get Old?Sponsored by Sheboygan County Aging & Disability Resource Center (ADRC)The Family Care and IRIS programs became available to residents in Sheboygan County in 2008. Part of the mission of the ADRC is to ensure that Sheboygan County residents are aware of the services and funding available to them through the Family Care and IRIS programs. There are eligibility requirements to be met in order to pursue these programs. Attend this session if you are interested in hearing more about your long term care options and whether you might be eligible for funding in long term care settings. » Generations, 1500 Douglas Dr., Plymouth, room B» Kelly Lee (920) 467-4178, [email protected]

12:45 - 1:45 p.m.Funeral Pre-PlanningSponsored by Suchon Funeral HomeThis presentation will cover all aspects of funeral pre-planning. » Generations, 1500 Douglas Dr., Plymouth, room B» Sam Suchon (920) 893-9797

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 B» Pat Hafermann (920) 467-4076, [email protected]

5 - 6 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 Exchange (a new program through which to purchase health insurance) are a reality. This session will outline what the exchange is, how it will work, the levels of coverage, and why you may, or may not, choose to consider the exchange when purchasing health insurance coverage.» Generations, 1500 Douglas Dr., Plymouth, room B» Paulette Ruminski (920) 268-1600, [email protected]

6:15 - 7:15 p.m.Couponing 101 Boot CampSponsored by Jenni SteinLearn the "boot camp basics" of everyday coupon-ing 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., Plymouth, room B» Jenni Stein (920) 207-7838, [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

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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.» Generations, 1500 Douglas Dr., Plymouth, room B» Matt Kautzer (920) 458-3784, [email protected]

Thursday, April 10 11:30 a.m. - 12:30 p.m.Speculating vs. Investing: Swing for the Fences or Rely on Singles and Doubles?Sponsored by The Financial Group, Inc.Using a baseball analogy we know that when we swing for the fences we often strike out. How can you win in the fi nancial game of life taking a more modest approach at the plate and still reach home plate while sleeping better at night? We’ll discuss the success strategies of the smart investor and the reasons for the pitfalls that so many encoun-ter, that you should try to avoid.» Generations, 1500 Douglas Dr., Plymouth, room B» Greg Reineking (920) 451-6800, [email protected]

12:45 - 1:45 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 jour-ney through the options when choosing to start your Social Security payments. It not always a straight forward decision.» Generations, 1500 Douglas Dr., Plymouth, room B» Thomas Binversie, Financial Advisor (920) 783-2311, [email protected]

2 - 3 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.» Generations, 1500 Douglas Dr., Plymouth, room B» Paulette Ruminski (920) 268-1600, [email protected]

5 - 6 p.m.Protecting Your Identity and Trends in Identity Theft Sponsored by Veritas Financial Services LLCIn this class we will look at the surprising ways thieves can steal your identity, their unlikely

Generations | 1500 Douglas Drive • Plymouthtargets, and what measures can be taken to prevent id theft, and repair your good name.» Generations, 1500 Douglas Dr., Plymouth, room B» Mark Baumann (920) 980-0106, [email protected]

6:15 - 7:15 p.m.Bad Things Happen to Good PeopleSponsored by Veritas Financial Services LLCSometimes even good people run into trouble with the law through unforeseen circumstances. Unfortunately the legal system we have is neither cheap or completely unbiased. In this class we will look at some of the legal issues that may blindside the average law abiding citizen.» Generations, 1500 Douglas Dr., Plymouth, room B» Mark Baumann (920) 980-0106, [email protected]

7:30 - 8:30 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 (internal and external), and how we can best overcome these factors on the road to realizing our fi nancial goals.» Generations, 1500 Douglas Dr., Plymouth, room B» Stephanie Alecos (920) 744-0010, [email protected]

Securities and advisory services offered through SII Investments, Inc. SII Member FINRA/SIPC and a Registered Investment Advisor. SII and The Financial Group are separate companies.

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The Financial Group625 N. 8th St.

Sheboygan, WI 53081920-451-6800

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12

Monday, April 7 Noon - 1 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.» Mead Public Library, 710 North 8th St., Sheboygan, Rocca room» Thomas Binversie, Financial Advisor (920) 783-2311, [email protected]

1:15 p.m. – 2:15 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.» Mead Public Library, 710 North 8th St., Sheboygan, Rocca room» Pat Hafermann (920) 467-4076, [email protected]

2:30 – 3:30 p.m.A Closer Look at Your Social Security Benefi tsSponsored by CB Investment ServicesThis seminar will provide a general overview of rules related to social security. » Mead Public Library, 710 North 8th St., Sheboygan, Rocca room» Mary Ryan (920) 459-4444, [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.Building Business BlocksSponsored by Lakeshore Technical College’s Center For EntrepreneurshipStarting your own business and not sure where to begin? ■ Understand what qualities are needed to become a successful entrepreneur.■ Determine if you have an idea that will work.■ Understand the fi rst 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!» Mead Public Library, 710 North 8th St., Sheboygan, Rocca room» Kristin Bell Abell (920) 693-1658, [email protected]

7:30 - 8:30 p.m.30 Financial Tips in 30 MinutesSponsored by H.C. Denison CompanyIn this information packed seminar, consumers of all ages will have an opportunity to pick-up time tested strategies from certifi ed fi nancial planner Robert J. Kuehl. Topics will include 401 plans, retirement income planning, insurance, Roth vs. traditional IRAs, credit scores, income taxes, interest rates, estate planning, 529 plans, social security benefi ts, the use of mutual funds, indi-vidual stocks, and bonds in portfolio planning … get ready to learn, interact and be money smart! » Mead Public Library, 710 North 8th St., Sheboygan, Rocca room» Robert J. Kuehl, CFP & vice president, H.C. Denison, (920) 457- 9451, [email protected] and [email protected]

Wednesday, April 9 Noon - 1 p.m.Flea Market GardeningSponsored by Rob Zimmer, Yard MDTurning trash into treasure is a hot trend and

Mead Public Library710 North 8th Street • Sheboygan


H. C. DENISON CO.618 N. 7th Street, Sheboygan, WI 53081(920) 457-9451 • 800-247-8025

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The Value of Knowledge

Money Smart WeekApril 5 - 12, 2014

13

creative minds everywhere are creating beauti-ful, original pieces of garden art and accents on a dime. From metals and glass to wood and concrete, I’ll show you how to create pieces of garden art that match your style. » Mead Public Library, 710 North 8th St., Sheboygan, Rocca room» Rob Zimmer (920) 993-1000, [email protected]

1:15 – 2:15 p.m.A Closer Look at Your Social Security Benefi tsSponsored by CB Investment ServicesThis seminar will provide a general overview of rules related to social security. » Mead Public Library, 710 North 8th St., Sheboygan, Rocca room» Mary Ryan (920) 459-4444, [email protected]

2:30 – 3:30 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!» Mead Public Library, 710 North 8th St., Sheboygan, Rocca room» Greg Reineking (920) 451-6800, [email protected]

5 - 6 p.m.30 Financial Tips in 30 MinutesSponsored by H.C. Denison CompanyIn this information packed seminar, consumers of all ages will have an opportunity to pick-up time tested strategies from certifi ed fi nancial planner Robert J. Kuehl. Topics will include 401(k) plans, retirement income planning, insurance, Roth vs. traditional IRAs, credit scores, income taxes, interest rates, estate planning, 529 plans, social security benefi ts, the use of mutual funds, indi-vidual stocks, and bonds in portfolio planning … get ready to learn, interact and be Money Smart! » Mead Public Library, 710 North 8th St., Sheboygan, Rocca room» Robert J. Kuehl, CFP & vice president, H.C. Denison, (920) 457- 9451, [email protected] and [email protected]

6:15 - 7:15 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. When is the best time to book tickets, travel agent vs. online, best value destinations…..all these questions will be covered and more. » Mead Public Library, 710 North 8th St., Sheboygan, Rocca room» Sue Zeier (920) 694-4631, [email protected]

7:30 - 8:30 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 (internal and external), and how we can best overcome these factors on the road to realizing our fi nancial goals.» Mead Public Library, 710 North 8th St., Sheboygan, Rocca room» Jeremy Burri (920) 893-5262, [email protected]

9:30 - 10 a.m.Preschool Story TimeSponsored by Mead Public LibraryThis story time for preschoolers and their caregiv-ers will feature books and rhymes about money and counting, and will include a showing of the movie “Lemonade in Winter”, based on the book by Emily Jenkins and G. Brian Karas. How profi table is a lemonade stand in winter? Find out as Pauline and her younger brother John-John set up shop on their cold, snowy street. As their catchy rhyme (Lemon lemon LIME, Lemon LIMEADE! Lemon lemon LIME, Lemon LEMONADE!) attracts customers, the kids are able to explore simple math concepts with each sale. This entertaining fi lm is a great introduction to money and entrepreneurship.» Mead Public Library, 710 North 8th St., Sheboygan, Children’s Story Garden (3rd fl oor)» Susan Durant (920) 459-3400 ext. 3433, [email protected]

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14

Shred Fest & Cellphone ★★★ Free Recycling Event ★★★

Saturday, April 5, 2014 • 9 a.m. – noonMemorial Mall parking lot (east of Sears)

3347 Kohler Memorial Dr., Sheboygan, WI 53081

❏ 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.

Sponsored by:

www.cccsonline.org

10:30 - 11 a.m.Preschool Story TimeSponsored by Mead Public LibraryThis story time for Preschoolers and their caregivers will feature books and rhymes about money and counting, and will include a showing of the movie “Lemonade in Winter”, based on the book by Emily Jenkins and G. Brian Karas. How profitable is a lemonade stand in winter? Find out as Pauline and her younger brother John-John set up shop on their cold, snowy street. As their catchy rhyme (Lemon lemon LIME, Lemon LIMEADE! Lemon lemon LIME, Lemon LEMONADE!) attracts customers, the kids are able to explore simple math concepts with each sale. This entertaining film is a great introduction to money and entrepreneurship.» Mead Public Library, 710 North 8th St., Sheboygan, 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., 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]

4:30 - 5 p.m.Family Movie and Craft ProgramSponsored by Mead Public LibraryChildren and their parents are invited to attend a free short movie, “Lemonade in Winter,” based on the book by Emily Jenkins and G. Brain Karas. How profitable is a lemonade stand in winter? Find out as Pauline and her younger brother John-John set up shop on their cold, snowy street.



15

As their catchy rhyme (Lemon lemon LIME, Lemon LIMEADE! Lemon lemon LIME, Lemon LEMONADE!) attracts customers, the kids are able to explore simple math concepts with each sale. This entertaining fi lm is a great introduction to money and entrepreneurship. After the movie, families can stay and create a money themed craft to take home.» Mead Public Library, 710 North 8th St., Sheboygan, Children’s Story Garden (3rd fl oor)» Susan Durant (920) 459-3400 ext. 3433, [email protected]

Thursday, April 10 6:30 - 7 p.m.Family Movie and Craft ProgramSponsored by Mead Public LibraryChildren and their parents are invited to attend a free short movie, “Lemonade in Winter,” based on the book by Emily Jenkins and G. Brain Karas. How profi table is a lemonade stand in winter? Find out as Pauline and her younger brother John-John set up shop on their cold, snowy street. As their catchy rhyme (Lemon lemon LIME, Lemon LIMEADE! Lemon lemon LIME, Lemon LEMONADE!) attracts customers, the kids are able to explore simple math concepts with each sale. This entertaining fi lm is a great introduction to money and entrepreneurship. After the movie, families can stay and create a money themed craft to take home.» Mead Public Library, 710 North 8th St., Sheboygan, Children’s Story Garden (3rd fl oor)» Susan Durant (920) 459-3400 ext. 3433, [email protected]

Saturday, April 12 Noon - 1 p.m.Low-Cost Energy and Sustainable Improvements for Your Home that Provide Top-Dollar Savings Sponsored by Energy Strategies of SheboyganEnergy saving ideas can fi t 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 some money and make your home more comfortable to live in.» Mead Public Library, 710 North 8th St., Sheboygan, Rocca room» Tammie Gruenke (920) 467-9481, [email protected]

1:15 – 2:15 p.m.Mindful ConsumptionSponsored by Windhorse RetreatLearn how spending and other consumption choices you make can have a positive impact on your community. » Mead Public Library, 710 North 8th St., Sheboygan, Rocca room» Rebecca McAllister (920) 449-4352, [email protected]

2:30 – 3:30 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 delicious 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) 457-7272 ext. 118, [email protected]



16

Cedar Grove Public Library131 West Van Altena Avenue • Cedar Grove

Lakeview Community Library112 Butler Street • Random Lake

Oostburg Public Library213 North 8th Street • Oostburg

Wednesday, April 9 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., Cedar Grove» Jeannine Folan (920) 458-3784, [email protected]

Friday, April 11 10 - 10:45 a.m.Preschool Story TimeSponsored by Cedar Grove Public LibraryStory time will feature books about money and math and will include a book called “Curious George Saves His Pennies” which introduces counting and earning money. The fi rst 20 families will receive a complimentary copy of the book.» Cedar Grove Public Library, 131 West Van Altena Ave., Cedar Grove» Nicole Linnaugh (920) 668-6834

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

Thursday, April 10 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 “Curious George Saves His Pennies” which introduces counting and earning money. The fi rst 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 “Curious George Saves His Pennies” which introduces counting and earning money. The fi rst 20 families will receive a complimentary copy of the book.» Oostburg Library, 213 North 8th St., Oostburg» Trixine Tahtinen (920) 564-2934

17

Saturday, April 5 9 a.m. - noonShred Fest and Cellphone Recycling EventSponsored by Consumer Credit Counseling Service and Cintas Bring “old” confi dential 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 (east of Sears), 3347 Kohler Memorial Dr.» Matt Kautzer (920) 458-3784, [email protected].

Tuesday, April 8 6 - 7:30 p.m.FAFSA Completion WorkshopSponsored by University of Wisconsin-SheboyganUW-Sheboygan staff will be available to answer any questions and assist you in the completion of the FAFSA. Participants will have access to computers to complete the 2014-2015 FAFSA. Bring along the following items:■ Parent and student social security number■ Dates: birth, death, marriage, divorce■ 2013 federal tax return if submitted■ Bank statement■ Amounts of other income■ Value of other assets» UW-Sheboygan, One University Dr., Sheboygan (Acuity Technology main building, library computer lab room 1120)» Elisa Waltz (920) 459-5956, [email protected]

Saturday, April 26 9 a.m. - 1 p.m.Electronic Recycling DaySponsored by Ebenezer United Church of ChristBring your old electronics to be recycled. Drive up and your vehicle will be unloaded. Items not accepted are refrigerators, dishwashers, stoves, light bulbs, batteries, air conditioners, or dehu-midifi ers. All other electronic items are accepted. Ebenezer pays the fees, so donations accepted. Free. » Ebenezer United Church of Christ, 3215 Saemann Ave., Sheboygan (920) 452-9766 or 608-449-2444

Ongoing

Aff ordable Care Act Enrollment FairsSponsored by Aff ordable Care Task Force of Sheboygan CountyCommunity information and enrollment fairs

AdditionalEvents

about the federal governments’ Health Insurance Marketplace will be offered in various libraries through March.» Sheboygan Mead Library: Wednesdays through March 26, 1 - 6 p.m.» Random Lake Library: Thursday, March 13, 4 - 7 p.m.» Sheboygan Mead Library: Monday March 24, 4 - 7 p.m.» Elkhart Lake Library: Thursday, March 27, 4 - 7 p.m.» Lakeshore Community Health Clinic (920) 783-6633 or Partners for Community Development (920) 459-2784

Credit Report AnalysisSponsored by United One Credit UnionVisit one of our Sheboygan offi ces for a free credit report analysis Monday – Friday between 9 a.m. - 4 p.m. (April 7 – 11). No appointment needed. A lender will help you look at your credit report and fi nd ways to save money. » United One Credit Union Sheboygan offi ces (2122 Superior Ave., 3509 Washington Ave., 2629 North 7th St.)» Katie Schneider (920) 694-3934, [email protected]

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

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18

Senior Meal Sites & Activity CentersAdell • Cascade • Cedar Grove • Howards Grove • Oostburg • Sheboygan • Sheboygan Falls

Cascade – Monday, April 7 11:30 a.m. - noonFinancial Elder Abuse – Are You or Someone You Love the Target?Sponsored by Sheboygan County Aging & Disability Resource CenterLearn different ways our senior’s can become the target of financial elder abuse, how to report suspected abuse and most importantly, ways to prevent it from happening. All age groups welcome.» 301 Milwaukee Ave., Cascade » Christine Freund (920) 467-4120, [email protected]

Cedar Grove – Monday, April 7 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. » First Reformed Church, 237 S. Main St., Cedar Grove» Peggy Ayers (920) 457-5626, [email protected]

Howards Grove – Tuesday, April 8 11:15 a.m. - noonStretching 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?» Village Hall, 913 South Wisconsin Dr., Howards Grove » Jeannine Folan (920) 458-3784, [email protected]

Adell – Tuesday, April 8 12:30 - 1 p.m.Financial Elder Abuse – Are You or Someone You Love the Target?Sponsored by Sheboygan County Aging & Disability Resource CenterLearn different ways our seniors can become the target of financial elder abuse, how to report suspected abuse and most importantly, ways to prevent it from happening. All age groups welcome.» 510 Seifert St., Adell » Christine Freund (920) 467-4120, [email protected]

Sheboygan – Tuesday, April 8 11 - 11:45 a.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.» Zion Church, 1125 North 6th St., Sheboygan » Lisa Arneson (920) 458-3784, [email protected]

Sheboygan Falls – Wednesday, April 9 11:15 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.» 650 Forest Ave., Sheboygan Falls» Lisa Arneson (920) 458-3784, [email protected]

Oostburg – Wednesday, April 9 10:45 - 11:30 a.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!» Civic Center, 213 North 8th St., Oostburg» Jeannine Folan (920) 458-3784, [email protected]

Sheboygan – Thursday, April 10 Noon - 1 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.» Sheboygan Senior Activity Center, 428 Wisconsin Ave., Sheboygan » Ken King (920) 458-3784, [email protected]

19

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money smart week - sheboygan 2014

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