2013 Money Smart Week

APRIL 20-27, 2013

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Money Smart Week Kid Essay Contest Finalists In February , McLean County Students in grades 6-8 were encouraged to answer a Money Smart Question with an essay of 500 words or less. Twenty-

seven students sent in very thoughtful and informative essays, vying to win the grand prize of a $2,000 scholarship sponsored by Mid-Illini Credit

Union.

The 2013 Question What is the difference between an investment and an expense? What would be a good

investment in your community and why? Please discuss who would benefit from this investment in your answer.

And the finalists are‌

Simon Heinrich is an 8th grader at Thomas Metcalf Laboratory School. Simon stays busy by swimming, reading and babysitting. He would one day like to attend MIT to study engineering. His favorite subject is math.

Luke Graf is in 8th grade at Parkside Junior High. He loves to give back to the community by cooking dinner at Safe Harbor or wrapping presents for The Brotherhood Tree. Luke enjoys playing the drums, sports and video games.

His favorite subject is science.

Alexis Showalter is a 7th grader at Evans Junior High School. She participates in the dance team and girls ensemble choir at school, and dances on the competition dance team at Stacy’s Dance Factory. She also enjoys reading and playing with her dog. Her favorite subject is math.

Camron Hinman, a 6th grader at Chiddix Junior High, is involved in a variety of activities ranging from sports to video games. He enjoys writing science fiction essays, volunteering with Cub Scouts and playing the tenor sax. His favorite subject is social studies.

Spencer Jackson is in 8th grade at Bloomington Junior High School and is our 2013 Money Smart Kid. He is working towards Eagle Scout rank in his Boy Scout troop. He likes to golf, play trumpet in the jazz band and honor band, and earn money by mowing lawns, shoveling snow or refereeing at Game Time Gym. His favorite subject is math.

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Welcome to Money Smart Week!

“Money can’t solve all my problems, but it can solve my money problem.” I read this recently and had to laugh - I’ve definitely felt that way! Can you relate? You can solve your “money problem.”

And we’re here to help!

More than 100 community partners are joining together to help support financial education during Illinois’ annual Money Smart Week – April 20th through the 27th.

Money Smart Week is a national financial literacy public awareness campaign sponsored by the Federal Reserve Bank of Chicago to help individuals of all ages manage their personal finances.

Bloomington-Normal was one of the first communities to host Money Smart Week. Now the program is active in more than 45 states through national partnerships such as the American Library Association and the Financial Planning Association.

You can choose from a variety of seminars on different dates and at times and locations to fit into your busy schedule. Want tips to budget better, save for retirement or maximize investments?

We have these topics covered, as well as unique offerings like traveling on a budget, shopping wisely and thriving financially as a single parent.

Kids can join the fun too at Money Smart Kids Read. Hundreds of children throughout Illinois will read Berenstain Bears’ “Trouble With Money” and learn the basics about saving and spending money wisely.

And what would you expect to pay for this kind of information? $30? $100? How about FREE? That’s right, free, and the good thing about free is that it fits into everyone’s budget!

Classes such as these can cost up to $200 but all of the Money Smart Week presenters and venues have donated their space and expertise for you.

According to the Bloomington Money Smart Kid essay contest winner, Spencer Jackson, “Communities have endless possibilities on where to invest.” The Bloomington Junior High School eighth grader believes the best choice is to invest in education because it would have undeniable benefits. Why not put his advice to use and invest your time into becoming more educated about your finances?

Review this calendar, choose a class to attend, bring a friend, and spread the word! You can also “like” us on Facebook for additional updates at facebook.com/MoneySmartWeekBN. See you at Money Smart Week!

Melissa Libert Committee Chair Money Smart Week Bloomington-Normal melissa.libert@countryfinancial.com or 309-821-4363 Money Smart Week is a registered service mark of the Federal Reserve Bank of Chicago. The Federal Reserve Bank of Chicago does not endorse or sponsor any non-Federal Reserve Bank-related entities and/or their products and services mentioned herein. This publication is brought to you by the Money Smart Week partners of Bloomington-Normal.

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Date/Time:

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Program Title:

Venue:

Saturday, April 20, 2013 9 am - 12 pm................................... Servicios bancarios (Presentado en espa単ol).................................................................. Western Avenue Community Center 10-11 am.......................................... Money Smart Kids Read. Does money grow on trees? Kids over 3 welcome.................. Bloomington Public Library Community Room 10-11 am.......................................... Money Smart Kids Read. Does money grow on trees? Kids over 3 welcome.................. Children's Discovery Museum 10-11 am.......................................... Money Smart Kids Read. Does money grow on trees? Kids over 3 welcome.................. Towanda District Library 10:30-11:30 am................................ Money Smart Women: Discover Hidden Agendas that Control Your Spending................ YWCA lower level conference Room 11 am-12 pm.................................... A Slice of L.I.F.E-Lessons In Financial Education............................................................. YWCA Community Room 11 am - 12:30 pm............................. Work Out Your Budget!..................................................................................................... Four Seasons II Health Club 1:30-3:30 pm................................... Living an Intentional Life! - Start your path to a DEBT FREE future!................................ Normal Public Library Monday, April 22, 2013 10:15-11:15 am................................ How to get the most out of your bank/credit union............................................................ YWCA Community Room 12-1 pm........................................... Making Sense of Retirement - Brown Bag Lunch............................................................. YWCA lower level conference Room 1:30-2:30 pm................................... Medicare 101.................................................................................................................... YWCA lower level conference Room 2:45-3:45 pm................................... If Something Happens to You, What Protection Do Your Loved Ones Need?.................. YWCA lower level conference Room 4-5 pm............................................. Should you Donate? Avoiding Phone and Mail Requests from Charities......................... Towanda District Library 4-5 pm............................................. All by Myself: Surviving as a Single Parent...................................................................... YWCA lower level conference Room 5:15-6:15 pm................................... Landscape Maintenance on a Dime................................................................................. Towanda District Library 5:15-6:15 pm................................... Mid-Career Decisions to stay financially secure............................................................... YWCA lower level conference Room 5-7:30 pm........................................ Legal & Financial Planning for Alzheimer's Disease......................................................... Luther Oaks 6:30-7:30 pm................................... Ladies, Take Control! Review your financial health, retirement & more............................ YWCA lower level conference Room 6-7 pm............................................. Help! My Impulse Purchases are out of Control!.............................................................. Chestnut Health Systems 6-7 pm............................................. Banking Basics: Open a Free Account, Keep More of Your Money.................................. Mount Pisgah Baptist Church 7-9 pm............................................. Take Control of Your Money! Money & Budgeting Basics................................................ Bloomington Public Library Community Room Tuesday, April 23, 2013 9-10 am........................................... Credit Scores: The Silent Killer......................................................................................... YWCA Community Room 10 am -12 pm.................................. I'm a Homeowner: NOW WHAT? Prepare for Emergencies & Protect Your Asset........... Mid Central Community Action 10:15-11:15 am................................ Spent My Money On A Computer, How Do I Get Involved in Social Media?.................... Bloomington Public Library Community Room 10:15-11:15 am................................ ID Theft: Prevention and Recovery................................................................................... YWCA Community Room 10-11 am.......................................... Eeny-Meeny-MONEY-Moe Fun with Money Activities..................................................... Children's Discovery Museum 11:30 am-12:30pm........................... Filing for a DBA - establishing your Sole Proprietorship................................................... Bloomington Public Library Community Room 12-1 pm........................................... Life Insurance 101: What You Need to Know Brown Bag Lunch...................................... YWCA Community Room 1-2 pm............................................. Ways to find value in the meat department....................................................................... Schnuck's on Empire 1:30-2:30 pm................................... How to Visit New York City on a Budget........................................................................... Bloomington Public Library Community Room 1:30-2:30 pm................................... Long Term Care Insurance--Recent Governmental Changes........................................... YWCA Community Room 1:30-3:15 pm................................... 4 Mini Sessions to Save Money Around the House.......................................................... The Hub - Outreach Center 2:45-3:45 pm................................... Managing Your Finances Online with Mint.com................................................................ Bloomington Public Library Community Room 2:45-3:45 pm................................... Personal Finance Made Easy: Your Money...................................................................... YWCA Community Room 4-5 pm............................................. What you need to know about individual retirement planning........................................... Bloomington Public Library Community Room 4-5 pm............................................. Unleash the Potential! Valuable Saving and Investing Insights........................................ Heartland Bank, 4th Floor Community Room 5:15-6:15 pm................................... Tips to assemble personal, home, money records NOW, before others need them........ YWCA Community Room 5:15-6:15 pm .................................. Essentials for estate planning including probates, trusts & taxes etc............................... Bloomington Public Library Community Room 5:15-7:15 pm................................... Is Starting a Business for You? Requirements and Individual Assessment..................... Calvary United Methodist church 5-6 pm............................................. Attention Parents! What you need to know about Financial Aid and the FAFSA.............. Calvary United Methodist church 5-6 pm............................................. Home Financing 101: Making a Home Ownership a Reality!........................................... Heartland Bank, 4th Floor Community Room 5-6 pm............................................. Slow Cookers: An Easy Inexpensive Method of Cooking................................................ The Hub - Outreach Center 6:15-7:15 pm................................... Seven Step Planning for Special Needs Children............................................................. Calvary United Methodist church 6:30-7:30 pm................................... Modern Investing Strategies & The Best Way To Manage Risk........................................ Bloomington Public Library Community Room 6:30-7:30 pm................................... Are you financially ready to retire...................................................................................... YWCA Community Room 7:15-8:15 pm................................... Marketing a Small Business - Generate Sales and Expand Your Business..................... Calvary United Methodist church

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Wednesday, April 24, 2013 9-10 am........................................... In home services available to keep seniors independent in their homes.......................... YWCA Community Room 10-11 am.......................................... Eeny-Meeny-MONEY-Moe Fun with Money Activities..................................................... Children's Discovery Museum 10-11 am.......................................... Should you Donate? Avoiding Phone and Mail Requests from Charities........................ Westminster Village 10:15-11:15 am................................ Senior Support at Home................................................................................................... YWCA Community Room 10:30-11:30 am................................ Defining Your Legacy: Estate Considerations................................................................... St. John's Lutheran Church Fellowship hall 12-1 pm........................................... Preserving Your Food: Canning and Freezing.................................................................. YWCA Community Room 12-2 pm........................................... 4 Mini Sessions to Save Money Around the House.......................................................... Mid Central Community Action 1:15-2:15 pm................................... The Five Advantages of Funeral Pre-Planning................................................................. YWCA Community Room 1-2 pm............................................. Financial Fitness for Older Adults..................................................................................... Luther Oaks 2:45-3:45 pm................................... Protecting What's Important: Insurance Seminar............................................................. YWCA Community Room 4-5 pm............................................. Your Finances: Banking, budgeting and crediting............................................................. YWCA Community Room 5:15-6:15 pm................................... Finances for Women......................................................................................................... YWCA Community Room 6-7 pm............................................. How to Pay for College: Tips from IL Student Assistance Commission............................ Heartland Community College Astroth Comm Ed Center 6-8 pm............................................. Crowdfunding for Small Businesses & Startups............................................................... Heartland Community College the Community Commons Building 1407 6:15-7:15 pm................................... Steps for getting your finances in order after divorce....................................................... The Hub - Outreach Center 6:30-7:30 pm................................... Retirement for Women...................................................................................................... YWCA Community Room Thursday, April 25, 2013 10-11 am.......................................... Eeny-Meeny-MONEY-Moe Fun with Money Activities..................................................... Children's Discovery Museum 10:15-11:15 am................................ College: Getting Your Kids from There from Here............................................................ FS Building Auditorium 12-2 pm........................................... Getting the most Nutritional Value and Best Deals at the Grocery Store.......................... Mid Central Community Action 12-1 pm........................................... Using Coupons: Encouraging Hope.................................................................................. FS Building Auditorium 1-2 pm............................................. The Road to 850 - 10 Simple Tips to Improve Your Credit and Credit Score.................... The Hub - Outreach Center 1:15-2:15 pm................................... Your Finances: Banking, budgeting and crediting............................................................. FS Building Auditorium 1:15-2:15 pm................................... Foundations of Investing................................................................................................... YWCA lower level conference Room 2:45-3:45 pm................................... How to get the most out of your bank/credit union............................................................ FS Building Auditorium 4-5 pm............................................. How to Create More Meatless Meals................................................................................ FS Building Auditorium 4-5 pm............................................. Unleash the Potential! Valuable Saving and Investing Insights........................................ Heartland Bank, 4th Floor Community Room 4-5 pm............................................. Planning For A Secure Retirement.................................................................................... YWCA Community Room 5:15-6:15 pm................................... Budget Friendly Plants for the Thrifty Gardener............................................................... FS Building Auditorium 5:15-6:15 pm................................... Getting the Biggest Bang for your Benefit Buck................................................................ YWCA Community Room 5:30-7:30 pm................................... I'm a Homeowner: NOW WHAT? Prepare for Emergencies & Protect Your Asset........... Mid Central Community Action 6-8 pm............................................. Take Control of Your Money! Money & Budgeting Basics................................................ Normal Public Library 6:30-7:30 pm................................... Pinching Pennies not Flowers; Moneysaving Tips for the Gardener in us all................... FS Building Auditorium 6:30-7:30 pm................................... Are Your Kids Safe from Identity Thieves?....................................................................... YWCA Community Room Friday, April 26, 2013 9-10 am........................................... What Medicare Beneficiaries Need to Know in 2013........................................................ Heartland Community College Workforce Development Center Rm 1401 10-11 am.......................................... Eeny-Meeny-MONEY-Moe Fun with Money Activities..................................................... Children's Discovery Museum 10:30-11:30 am................................ What You Need to Know to Prepare for Financial and Medical Emergencies.................. Heartland Community College Workforce Development Center Rm 1403 10:30-11:30 am................................ The World Wide Web-Keeping Yourself, Your Money, and Your Computer Safe.............. Heartland Community College Workforce Development Center Rm 1405 11:30am-12:30 pm........................... Retirement Has Changed. What's Your Next Move?........................................................ Heartland Community College Workforce Development Center Rm 1403 11:30 am-12:30 pm.......................... Basics of Money Management.......................................................................................... Heartland Community College Workforce Development Center Rm 1402 1–2 pm............................................. Navigating Your Next Adventure: Managing Your Income in Retirement.......................... Heartland Community College Workforce Development Center Rm 1403 1–2 pm............................................. Selecting, using and maintaining your credit.................................................................... Heartland Community College Workforce Development Center Rm 1402 2:15-3:15 pm................................... ID Theft, Scams and Fraud............................................................................................... Evergreen Place Saturday, April 27, 2013 10 am - 12 pm................................. Live your life intentionally. Start your path to a debt free future!....................................... Bloomington Public Library Community Room

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THANK YOU TO THE SPONSORS OF MONEY SMART WEEK 2013

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2013 Money Smart Week Partners Bloomington Public Library Busey Bank CEFCU Chestnut Credit Counseling Services Comcast Spotlight Commerce Bank Connoisseur Media — Bob 97.9, 96.7 I-Rock, Hits 100.7 COUNTRY Financial Dennis Kagel Financial Services East Central Illinois Area Agency on Aging Eastern Illinois University Family Credit Management Foundation for Financial Education Great Plains Media Heartland Bank & Trust Co. Heartland Community College Heritage Health Therapy & Senior Care Housing Authority of the City of Bloomington Illinois Office of the Comptroller Judy BaarTopinka KueblerNicholas Financial Group, LLC Leighton Legal Group

Lincoln College - Normal Luther Oaks Mid Central Community Action, Inc. Mid-Illini Credit Union Pastelle & Healthy Cells Magazine PNC Bank Radio Bloomington Schnucks Markets Soy Capital Bank & Trust Company State Farm Bank The John Maxwell Team The Pantagraph Towanda District Library University of Illinois Center for Economic and Financial Education University of Illinois Extension WEEK TV 25 WGLT WHOI TV WTVP TV

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Stretch your grocery dollars

Lunch and Learn

with Kimberly McCormick Thursday, April 25 • Noon to 1 p.m.

FS Building, 402 N. Hershey Road, BLM

Sponsored by Lunch included. ALL FREE but must RSVP by 4/22. Space limited.

MONEY SMART WEEK FINANCIAL SEMINARS PRESENTED BY DENNIS

KAGEL FINANCIAL SERVICES

Dennis Kagel will be presenting information on

Modern Investing Strategies & the Best Way to Manage Risk 4/23/13 6:30 p.m. - 7:30 p.m. @ Bloomington Public Library Community Room

Planning For a Secure Retirement

4/25/13 4:00 p.m. – 5:00 p.m. @ YWCA Community Room

Retirement Bootcamp

SMART

DENNIS KAGEL FINANCIAL SERVICES

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MONEY

Every Thursday beginning 5/2/13 – 6/6/13 6 p.m. – 7:30 p.m. @ Heartland Community College

www.safemoneywizard.com • Phone 309-454-9171

YOU CAN BE. Join us at one of the many Money Smart Week® Events in your community.

A Proud Parter of Money Smart Week® since 2005.

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