Money Smart Week by Gannett Wisconsin Media

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Governor’s Council on Financial Literacy Dear Friends, I am pleased to write this message of support for the 2015 Money Smart Week Wisconsin, scheduled for April 18-25 in communities across the state. Nearly 30 organizing teams have planned hundreds of Money Smart Week events with the assistance of thousands of volunteers. Wisconsin consumers will be able to attend outstanding sessions on a variety of financial topics ranging from personal budgeting to investing to planning for retirement. I am pleased to join the Governor’s Council on Financial Literacy, the Wisconsin Department of Financial Institutions, the Chicago Federal Reserve Bank, and the many organizers in support of Money Smart Week. Education is the key to financial survival and success in these fast-changing economic times. Through the efforts of the Money Smart Week Wisconsin organization and hundreds of partners, educational opportunities will abound during this week-long focus on personal finance. On behalf of the Governor’s Council on Financial Literacy, I encourage all Wisconsin citizens to improve their financial well-being by taking part in the Money Smart Week activities in their communities. This annual event, first held in 2006 in Wisconsin, truly makes a difference in the lives of many Wisconsin citizens. I hope you and your families will take advantage of the wonderful programs that will be made available as part of Money Smart Week. Sincerely, Tonette Walker

First Lady of Wisconsin Ambassador, Governor’s Council on Financial Literacy

WI Department of Financial Institutions, Office of Financial Literacy Mail: PO Box 7846, Madison, WI 53707-7846 • Courier: 201 W. Washington Ave. Ste. 300, Madison, WI 53703 Voice: (608) 267-1713 • Fax: (608) 267-6813 • TTY: (608) 266-8818 • Internet: www.wdfi.org

Shred Fest & Cellphone ★ Free Recycling Event

Saturday, April 18 • 9 am – noon Memorial Mall parking lot (east of Sears) • 3347 Kohler Memorial Dr., Sheboygan ❏ 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: cccsonline.org

Horace Mann Middle School | 2820 Union Avenue • Sheboygan 6:15 – 7:15 p.m. Economic Update Sponsored by: Thrivent Financial Updates on financial markets and the economy and what it means to your financial strategies. » Horace Mann Middle School, 2820 Union Ave., room 124 » Cesar Lemus (920) 892-2000, cesar.lemus@thrivent.com

Monday, April 20 5 – 6 p.m. Funeral Pre-Planning Guidance Sponsored by: Reinbold – Novak Funeral Home This presentation will cover all aspects of funeral pre-planning with a time for questions and answers. » Horace Mann Middle School, 2820 Union Ave., room 123 » Mike Reinbold (920) 452-7711, mike@reinboldfh.com

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

5 – 6 p.m. Your Financial Aid Journey in 5 Steps Sponsored by: Wells Fargo Education Financial Services Learn the 5 steps to estimate total education costs and financing options. A “must attend” session for parents and anyone pursuing higher education. » Horace Mann Middle School, 2820 Union Ave., room 124 » Jane Lemke (920) 996-2231, jane.a.lemke@wellsfargo.com 5 – 6 p.m. Working with an Investment Advisor: What to Consider Sponsored by: Veritas Financial Services, LLC The 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. This class will cut through all of the industry speak and examine what the all the titles mean, how professionals in the industry get compensated, their duties, and the important issues to consider when working with and advisor. » Horace Mann Middle School, 2820 Union Ave., room 125 » Jeremy Burri (920) 893-5262, jburri@veritasinvesting.com

6:15 – 7:15 p.m. Beating the Financial Squeeze Sponsored by: Consumer Credit Counseling Service Learn the basic tools to develop and implement a successful spending plan to help you take control of your financial matters. » Horace Mann Middle School, 2820 Union Ave., Room 128 » Jeannine Folan (920) 458-3784, jfolan@cccsonline.org 7:30 p.m. – 8:30 p.m. Preparing for Long-Term Care – A Gift your Family Deserves Sponsored by: Thrivent Financial Learn about long-term care and how you and your family members can prepare for it – emotionally, physically, and financially. » Horace Mann Middle School, 2820 Union Ave., room 124 » Cesar Lemus (920) 892-2000, cesar.lemus@thrivent.com

5 – 6 p.m. Home Remedies for Gardeners Sponsored by: Rob Zimmer, Yard MD Looking for cost effective ways to make your garden thrive? Learn about money saving tips and ways to avoid using harmful chemicals and pesticides. » Horace Mann Middle School, 2820 Union Ave., room 126 » Rob Zimmer (920) 851-8996, rzimmer@postcrescent.com

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

5 – 6 p.m. Piggy Bank Program Sponsored by: Thrivent Financial For parents and their children ages 3-10. Tips for kids on spending and saving money. All children with a parent will receive a piggy bank. » Horace Mann Middle School, 2820 Union Ave., room 128 » Tim Saeger (920) 451-1775, timothy.saeger@thrivent.com

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

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

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Horace Mann Middle School | 2820 Union Avenue • Sheboygan 7:30 – 8:30 p.m. Common Sense Ways to Save Sponsored by: Consumer Credit Counseling Service We all can save money, but why and how are the questions. Learn different ways of approaching savings and how to start a savings habit. » Horace Mann Middle School, 2820 Union Ave., room 128 » Jeannine Folan (920) 458-3784, jfolan@cccsonline.org

business, but just don’t know where to start? This session is for you and will cover the following topics: • Understand what qualities are needed to become a successful entrepreneur • Determine if you have an idea that will work • Understand the first steps you need to take to start a business • Learn about local resources that can help you » Horace Mann Middle School, 2820 Union Ave., room 124 » Kristin Bell Abell (920) 693-1658, kristin.abell@gotoltc.edu

Tuesday, April 21

5 – 6 p.m. Planning for Social Security Sponsored by: Kohler Credit Union This presentation is geared to the soon to be retired or planning to retire person. It is a journey through the options when choosing to start your Social Security payments. » Horace Mann Middle School, 2820 Union Ave., room 125 » Thomas Binversie, Financial Advisor (920) 783-2311, tbinversie@kohlercu.com

5 – 6 p.m. What To Do With Your Company Retirement Plan Sponsored by: Pamela Otten LLC Your company has a retirement plan you can participate in. You have no clue what to do with it. It’s not as complicated as you may think, and your comfortable retirement depends on making smart decisions. Learn what to do, and what not to do, including the biggest mistakes investors make with their company retirement plans. Taught by Pamela Otten, the Financial Mom. » Horace Mann Middle School, 2820 Union Ave., room 123 » Pam Otten (920) 459-8933, info@pamelaotten.com

5 – 6 p.m. How to Get Out of Debt Faster Sponsored by: Consumer Credit Counseling Service Learn 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, kking@cccsonline.org

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

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

create wealth? How do we alter behavior to work towards being successful? What are the behavior traits that may prevent investors from building and maintaining wealth? Come hear about the different ways to invest. » Horace Mann Middle School, 2820 Union Ave., room 128 » Mary Ryan (920) 459-4444, mary.ryan@ceterais.com 7:30 – 8:30 p.m. How To Be An Intelligent Investor Sponsored by: Pamela Otten LLC A more in-depth investing class that covers questions like: How are you making your investment decisions? Are you choosing the right investments for you, even in your company retirement plan? How do you know if your investments are doing well? Learn how to be an Intelligent Investor with Pamela Otten, the Financial Mom. » Horace Mann Middle School, 2820 Union Ave., room 123 » Pam Otten (920) 459-8933, info@pamelaotten.com

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

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

6:15 – 7:15 p.m. Pulse of the Market: Changing & Challenging Times for Investors Sponsored by: The Financial Group, Inc. Overview and insights of the things that really matter when it comes to investing in an uncertain world. Examination of various markets, economic cycles, risks, rewards, and how to manage your expectations. Play it too “safe” and you may be sorry! » Horace Mann Middle School, 2820 Union Ave., room 125 » Greg Reineking (920) 451-6800, greineking@tfgplan.com

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

6:15 – 7:15 p.m. Debit Cards & Credit Cards: How to Protect Yourself Sponsored by: Consumer Credit Counseling Service Learn the difference between debit and credit cards and how to protect yourself from being the victim of identity theft. And, learn steps you should take if your personal information has been stolen. » Horace Mann Middle School, 2820 Union Ave., room 126 » Ken King (920) 458-3784, kking@cccsonline.org

7:30 – 8:30 p.m. Dealing with Student Loans Sponsored by: Consumer Credit Counseling Service Learn 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, kking@cccsonline.org

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

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Horace Mann Middle School | 2820 Union Avenue • Sheboygan 7:30 – 8:30 p.m. The Importance of Health Insurance Sponsored by: Partnership Community Health Education Center Why it is important to have health insurance and how to budget for health insurance premiums and costs. » Horace Mann Middle School, 2820 Union Ave., room 128 » Hilary Neste (715) 416-0595, hilary.neste@thedacare.org

» Horace Mann Middle School, 2820 Union Ave., room 125 » Wayne Musch, waynemusch@yahoo.com 6:15 – 7:15 p.m. Retirement Investing: What You Think You Know Might Hurt You! Sponsored by: Kevin Bay Investments 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 “The Intelligent Investor”, which Warren Buffett calls the best book on investing ever written, as a guide. » Horace Mann Middle School, 2820 Union Ave., room 126 » Adam Ryback (262) 691-2013, aryback@kevinbayinvestments.com

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

6:15 – 7:15 p.m. Understanding Your Tax Assessment Sponsored by: Consumer Credit Counseling Service What 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, kking@cccsonline.org

5 – 6 p.m. Stretching Your Food Dollar Sponsored by: Consumer Credit Counseling Service Learn basic concepts of getting more for less in your grocery shopping. Discover how to save 10% or more on your grocery bill every month. What could you do with that extra money? » Horace Mann Middle School, 2820 Union Ave., room 125 » Jeannine Folan (920) 458-3784, jfolan@cccsonline.org

7:30 – 8:30 p.m. Social Security: Strategize to Maximize Sponsored by: Thrivent Financial This presentation will helps participants understand Social Security and learn ways to optimize those benefits, as well as other considerations to help achieve their goals for retirement. » Horace Mann Middle School, 2820 Union Ave., room 124 » Cesar Lemus (920) 892-2000, cesar.lemus@thrivent.com

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

7:30 – 8:30 p.m. Pulse of the Market: Changing & Challenging Times for Investors Sponsored by: The Financial Group, Inc. Overview and insights of the things that really matter when it comes to investing in an uncertain world. Examination of various markets, economic cycles, risks, rewards, and how to manage your expectations. Play it too “safe” and you may be sorry! » Horace Mann Middle School, 2820 Union Ave., room 126 » Greg Reineking (920) 451-6800, greineking@tfgplan.com

6:15 – 7:15 p.m. Retire Wisely Sponsored by: Thrivent Financial This presentation will help participants learn to manage six risks all retirees face: outliving income, inflation, unpredictable events, market volatility, income taxes and rising health care costs. » Horace Mann Middle School, 2820 Union Ave., room 124 » Cesar Lemus (920) 892-2000, cesar.lemus@thrivent.com

7:30 – 8:30 p.m. Scams and Schemes to Get Your Money Sponsored by: Consumer Credit Counseling Service Everyone wants your money! What do you have to do to protect yourself? Learn about various scams and schemes that are used to try to get your money, including telemarketing and mail. Learn some simple prevention habits and precautions to take to protect yourself. » Horace Mann Middle School, 2820 Union Ave., room 128 » Ken King (920) 458-3784, kking@cccsonline.org

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

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

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

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

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5 – 6 p.m. Estate Planning Sponsored 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

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5 – 6 p.m. Mind Over Money Sponsored by: Veritas Financial Services, LLC Why do investors fail to become successful? Mind over Money examines the factors that contribute to investor failure, and how to overcome these factors on the road to realizing our financial goals. » Horace Mann Middle School, 2820 Union Ave., room 126 » Margaret Wittkopp (920) 893-5262, margaret.wittkopp@veritasinvesting.com

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Money Smart Week April 18 - 25, 2015 H. C. DENISON CO.

5 – 6 p.m. Scams and Schemes to Get Your Money Sponsored by: Consumer Credit Counseling Service Everyone wants your money! What do you have to do to protect yourself? Learn about various scams and schemes that are used to try to get your money, including telemarketing and mail. Learn some simple prevention habits and precautions to take to protect yourself. » Horace Mann Middle School, 2820 Union Ave., room 128 » Lisa Arneson (920) 458-3784, larneson@cccsonline.org

Serving Investors Since 1928 618 N. 7th Street, Sheboygan, WI 53081 (920) 457-9451 • 800-247-8025

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Member FINRA

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

7:30 – 8:30 p.m. Rx: Get the Most Bang for Your Buck Sponsored by: Sheboygan Health Mart Pharmacy Learn from an insider how to maximize your health care dollars at the pharmacy. » Horace Mann Middle School, 2820 Union Ave., room 125 » Cammy Jorstad, RPh (920) 459-7467, cjorstad@gmail.com 7:30 – 8:30 p.m. Getting Income Sponsored by: Veritas Financial Services, LLC Are you retired, or nearing retirement? Will you be deciding how to provide an income during retirement in the near future? This class will look at how you can responsibly take an income during retirement, the ramifications of a “guaranteed” income, and what reasonable expectations look like. » Horace Mann Middle School, 2820 Union Ave., room 126 » Margaret Wittkopp (920) 893-5262, margaret.wittkopp@veritasinvesting.com

6:15 – 7:15 p.m. Costs: The Dark Side of Investing Sponsored by: Veritas Financial Services, LLC Did you know that costs are one of the best determinants of portfolio performance, yet investors are in the dark regarding what they are actually paying. Compounding the issue is that many of these costs are hidden. This class will shed light on the many costs associated with investing and how to reduce them. » Horace Mann Middle School, 2820 Union Ave., room 126 » Margaret Wittkopp (920) 893-5262, margaret.wittkopp@veritasinvesting.com

7:30 – 8:30 p.m. You and Your Credit Report Sponsored by: Consumer Credit Counseling Service Learn what a credit report contains and how this information is used by creditors to determine whether or not you will be considered for a loan. Find out who the three major credit bureaus are and how to obtain a free copy of your credit report. » Horace Mann Middle School, 2820 Union Ave., room 128 » Lisa Arneson (920) 458-3784 Email: larneson@cccsonline.org

6:15 – 7:15 p.m. Seven Steps for Financial Success Sponsored by: Consumer Credit Counseling Service Learn the 7 basic steps to financial success from visualizing success to accomplishing your goals. » Horace Mann Middle School, 2820 Union Ave., room 128 » Lisa Arneson (920) 458-3784, larneson@cccsonline.org 7:30 – 8:30 p.m. Investing in an Uncertain Market Sponsored by: The Financial Group, Inc. Navigating the rough waters of the market can be a challenge. From calm waters of late, to dangerous rapids of 2008, how will you be able to map out your white water rafting trip to arrive safely at your desired destination? We’ll help educate and therefore empower you, to make informed decisions without drowning along the way. » Horace Mann Middle School, 2820 Union Ave., room 123 » Greg Reineking (920) 451-6800, greineking@tfgplan.com 7:30 – 8:30 p.m. The First time Homebuyer … What is Expected of You Sponsored by: Community Bank & Trust soon to be Wisconsin Bank & Trust Buying your first home can be overwhelming, but the benefits of being a homebuyer make it all worthwhile. Own a home that suits your needs and lifestyle, establish credit, receive tax benefits, and stop throwing your money away on rent. We are the experts and we will work with you in making your dreams become a reality! » Horace Mann Middle School, 2820 Union Ave., room 124 » Wendy Conto (920) 208-1111, wendyc@communitybankandtrust.com

Generations | 1500 Douglas Drive • Plymouth 12:45 – 1:45 p.m. Health Insurance 101 Sponsored by: Insurance Solutions of Wisconsin Many changes in health insurance have occurred in the past two years. Open enrollment, Marketplace/Obamacare, Essential Health Benefits, tax penalties….what does it all mean? This class will explain these new terms and why looking at health insurance options is more important than ever. » Generations, 1500 Douglas Dr., Plymouth, room A/B » Paulette Ruminski (920) 268-1600, paulette@insurancesolutions-wi.com

Tuesday, April 21 11:30 – 12:30 p.m. Identity Theft: What You Need to Know Sponsored by: Thrivent Financial Hear tips and tools for dealing with the growing problem of identity theft. » Generations, 1500 Douglas Dr., Plymouth, room A/B » Kirsten Lemus (920) 892-2000, kirsten.lemus@thrivent.com 12:45 – 1:45 p.m. Financial Elder Abuse: What Is It and How to Prevent It Sponsored by: Sheboygan County Health & Human Service Financial elder abuse continues to be a growing problem in Sheboygan County and across the United States. This class will help you identify ways elders can be taken advantage of financially. Also find out ways to help protect and prevent financial elder abuse. » Generations, 1500 Douglas Dr., Plymouth, room A/B » Christine Freund (920) 467-4120, christine.freund@sheboygancounty.com

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

2 – 3 p.m. Medicare A, B, C, and D Sponsored by: Sheboygan County Aging & Disability Resource Center What you need to know about Medicare part A, B, C, and D. » Generations, 1500 Douglas Dr., Plymouth, room A/B » Pat Hafermann (920) 467-4076, patricia.hafermann@sheboygancounty.com

The First time

Homebuyer...

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

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Cedar Grove Public Library | 131 West Van Altena Ave. • Cedar Grove Wednesday, April 22

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

10 – 11 a.m. Preschool Story Time Sponsored by: Cedar Grove Public Library Story time will feature books about money and will include a book called “Alexander Who Used to

Oostburg Public Library | 213 North 8th Street • Oostburg Saturday, April 18

Thursday, April 23

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

10:30 – 11:30 a.m. Meet Penny the Pig Sponsored by: Consumer Credit Counseling Service Penny is a unique piggy bank that will help teach your children about spending and saving money. The program is for parents and their children from ages 3-10. All children attending with a parent will receive Penny the Pig banks. » Oostburg Library, 213 North 8th St., Oostburg » Jeannine Folan (920) 458-3784, jfolan@cccsonline.org

Lakeview Community Library | 112 Butler Street • Random Lake Friday, April 24

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

10 – 11 a.m. Preschool Story Time Sponsored by: Lakeview Community Library Story time will feature books about money and

Additional Events Saturday, April 18, 2015

Tuesday, April 21, 2015

9 a.m. – Noon Shred Fest and Cell Phone Recycling Event Sponsored by: Consumer Credit Counseling Service and Cintas Bring “old” confidential documents to be shredded on site and bring cell phones for recycling (data will be removed before recycling). FREE! » Sheboygan Memorial Mall Parking Lot (just east of Sears), 3347 Kohler Memorial Drive » Matt Kautzer (920) 458-3784, mkautzer@cccsonline.org

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

Mead Public Library | 710 North 8th Street • Sheboygan Monday, April 20

Wednesday, April 22

Noon – 1 p.m. Fun Food-Theme Gardens Sponsored by: Rob Zimmer, Yard MD Amazing food-themed gardens to make growing your own food fun for the whole family. » Mead Public Library, 710 North 8th St., Sheboygan, Rocca Room » Rob Zimmer (920) 851-8996, rzimmer@postcrescent.com

9:30 – 10 a.m. Preschool Story Time Sponsored by: Mead Public Library Story time for Preschoolers and their caregivers will feature books about money and counting, and will include a showing of “Alexander Who Used to Be Rich Last Sunday” based on the book by Judith Viorst. After story time, children can stay and create a craft to take home. » Mead Public Library, 710 North 8th St., Sheboygan, Children’s Story Garden (3rd floor) » Susan Durant (920) 459-3400 ext. 3413, susan.durant@meadpl.org

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

10:30 – 11 a.m. Preschool Story Time Sponsored by: Mead Public Library Story time for Preschoolers and their caregivers will feature books about money and counting, and will include a showing of “Alexander Who Used to Be Rich Last Sunday” based on the book by Judith Viorst. After story time, children can stay and create a craft to take home. » Mead Public Library, 710 North 8th St., Sheboygan, Children’s Story Garden (3rd floor) » Susan Durant (920) 459-3400 ext. 3413, susan.durant@meadpl.org

2:30 – 3:30 p.m. Save Money with Heirloom Seeds Sponsored by: Rob Zimmer, Yard MD How to grow, collect and save heirloom fruit, vegetable and flower seeds. » Mead Public Library, 710 North 8th St., Sheboygan, Rocca Room » Rob Zimmer (920) 851-8996, rzimmer@postcrescent.com 5 – 6 p.m. Estate Planning Sponsored 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

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

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

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

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

1 – 4 p.m. Affordable Care Act Enrollment Fair Sponsored by: Lakeshore Community Health Care Community information and enrollment fair. » Mead Public Library, 710 North 8th St., Sheboygan, 2nd floor conference room » Jennifer Schmidt (920) 783-6633, jschmidt@lakeshorechc.org continued on page 13

Mead Public Library | 710 North 8th Street • Sheboygan 2:30 – 3:30 p.m. Rx: Get the Most Bang for Your Buck Sponsored by: Sheboygan Health Mart Pharmacy Learn from an insider how to maximize your health care dollars at the pharmacy. » Mead Public Library, 710 North 8th St., Sheboygan, Rocca Room » Cammy Jorstad, RPh (920) 459-7467, cjorstad@gmail.com

This class will explain these new terms and why looking at health insurance options is more important than ever. » Mead Public Library, 710 North 8th St., Sheboygan, Rocca Room » Paulette Ruminski (920) 268-1600, paulette@insurancesolutions-wi.com

3:30 – 4:30 p.m. Meet Penny the Pig Sponsored by: Consumer Credit Counseling Service Penny 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, kking@cccsonline.org

Thursday, April 23 6:30 – 7 p.m. Family Movie and Craft Program Sponsored by: Mead Public Library Story time for Preschoolers and their caregivers will feature books about money and counting, and will include a showing of “Alexander Who Used to Be Rich Last Sunday” based on the book by Judith Viorst. After story time, children can stay and create a craft to take home. » Mead Public Library, 710 North 8th St., Sheboygan, Children’s Story Garden (3rd floor) » Susan Durant (920) 459-3400 ext. 3413, susan.durant@meadpl.org

4 – 4:30 p.m. Money Matters for Teens Sponsored by: Consumer Credit Counseling Service It 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, mkautzer@cccsonline.org

Saturday, April 25 Noon – 1 p.m. Nourish: Eat Local Food on a Budget Sponsored by: Nourish Nourish 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) 889-1615, heather@nourishfarms.org

5 – 6 p.m. Travel Tips and More Sponsored by: Travel Leaders This presentation will cover all aspects of travel and vacation planning. This session will be packed with tips to be aware of as you plan your next trip. » Mead Public Library, 710 North 8th St., Sheboygan, Rocca Room » Sue Zeier (920) 694-4631, szeier@tldiscovery.com

1:15 – 2:15 p.m. Low-Cost Improvements for Your Home that Provide Top-Dollar Savings Sponsored by: Energy Strategies of Sheboygan Energy saving ideas can fit into anyone’s budget. Hear about low cost projects and improvements that can provide a big return. We will also cover additional steps that can be taken after you start to save money from the “low hanging fruit” projects. We’re here to make insulation sexy, but also to save you money and make your home more sustainable and comfortable to live in. » Mead Public Library, 710 North 8th St., Sheboygan, Rocca Room » Tammie Gruenke (920) 467-9481, kth@energy-strategies.net

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

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

Senior Meal Sites & Activity Centers problem in Sheboygan County and across the United States. Identify ways elders can be taken advantage of financially and to help protect and prevent financial elder abuse. » Civic Center, 213 North 8th St., Oostburg » Christine Freund (920) 467-4120, christine.freund@sheboygancounty.com

Cedar Grove – Monday, April 20 10:30 – 11 a.m. Financial Elder Abuse: What Is It and How to Prevent It Sponsored by: Sheboygan County Health & Human Service Financial elder abuse continues to be a growing problem in Sheboygan County and across the United States. This class will help you identify ways elders can be taken advantage of financially. Also find out ways to help protect and prevent financial elder abuse. » First Reformed Church, 237 S. Main St., Cedar Grove » Christine Freund (920) 467-4120, christine.freund@sheboygancounty.com

Sheboygan Falls – Wed., April 22 11:10 a.m. – Noon Identity Theft: What You Need to Know Sponsored by: Thrivent Financial Hear tips and tools for dealing with the growing problem of identity theft. » 650 Forest Ave., Sheboygan Falls » Kirsten Lemus (920) 892-2000, kirsten.lemus@thrivent.com

Cascade – Monday, April 20 11:30 a.m. – Noon Scams and Schemes to Get Your Money Sponsored by: Consumer Credit Counseling Service Everyone wants your money! What do you have to do to protect yourself? Learn about various scams and schemes that are used to try to get your money, including telemarketing and mail. Learn some simple prevention habits and precautions to take to protect yourself. » 301 Milwaukee Ave., Cascade » Lisa Arneson (920) 458-3784, larneson@cccsonline.org

Adell – Thursday, April 23 11:30 a.m. – Noon Common Sense Ways to Save Sponsored by: Consumer Credit Counseling Service We all can save money, but why and how are the questions. Learn different ways of approaching savings and how to start a savings habit. » 510 Seifert St., Adell » Lisa Arneson (920) 458-3784, larneson@cccsonline.org

Howards Grove – Tues., April 21

Mapping

11:10 a.m. – Noon Living on a Fixed Income Sponsored by: Consumer Credit Counseling Service Living on a fixed income is not easy, but there are ways to save money every day. Here’s how you can stick to that tight budget and still save for that rainy day! » Village Hall, 913 South Wisconsin Drive, Howards Grove » Jeannine Folan (920) 458-3784, jfolan@cccsonline.org

Your

Course

A Financial Life Plan

Sheboygan – Tuesday, April 21 11 – 11:45 a.m. Living on a Fixed Income Sponsored by: Consumer Credit Counseling Service Living 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! » Zion Church, 1125 North 6th St., Sheboygan » Lisa Arneson (920) 458-3784, larneson@cccsonline.org

Located at Community Bank & Trust!

communitybankandtrust.com

Mary Ryan Investment Executive 920-459-4444

Oostburg – Wednesday, April 22

Call for a complimentary investment check-up.

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

10:45 – 11:30 a.m. Financial Elder Abuse: What Is It and How to Prevent It Sponsored by: Sheboygan County Health & Human Service Financial elder abuse continues to be a growing

• Not insured by any federal government agency. Cetera is under separate ownership from any other named entity. 604 N. 8th Street, Sheboygan, WI 53081