DDC_Money Smart Week_032719 by Shaw Media

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Daily Chronicle / Daily-Chronicle.com • Wednesday, March 27, 2019

| MONEY SMART

FREE Money Smart Week Programs in DeKalb, Lee and LaSalle Counties!

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rt Week events as well as sharing information We are dedicated to promoting our Money Sma local events on the radio, in our Shaw Media on financial wellness topics. We will highlight book at Money Smart Week DeKalb. Daily Chronicle Newspaper Insert and on Face oney-smart-week and moneysmartweek.org Full event listings are here: econillinois.org/m rt Week sessions -- community members, Everyone is welcome to attend Money Sma s to let your friends, neighbors and colleague students, faculty and youth. We invite you know about these events. nd several of our wonderful programs! Please MARK your CALENDARS & plan to atte

ctor; Chairperson, Money Smart Week ~ DeKalb, Lee & LaSalle

Dawn Littlefield, Kishwaukee United Way Dire

Money Smart Kids Special Event ~ Cortland Community Library

SM-CL1639790

Time: 6:00 pm – 7:00pm Location: Sycamore Public Library, 103 E. State Street, Sycamore ILWith the right knowledge we can shop to help save Mother Earth! Participants will learn how to find companies that practice socially responsible behavior. Explore fair trade products, recycling, resale shopping & get tips and tricks to avoiding unnecessary shopping.

SATURDAY, MARCH 30

Standing Guard: Protect What You’ve Worked For

Time: 9:00am Location: Edward Jones 1680 Mediterranean Dr Sycamore,IL Presenter: Heather Hilleshiem This seminar is designed to protect your pre and post retirement income. It covers risk that could impact your financial strategy and solution to help protect against creating a foundation to protect against unexpected events, protecting your income during retirement, and addressing rising health care and long term medical care costs. RSVP’s requested. Please call 815-895-3672 to make your reservation.

• Wednesday, March 27, 2019

Time: 4:30pm Location: Cortland Community Library, 63 S Somonauk Rd, Cortland, IL Reader and Entertainer: Gavin Wilson, Country Financial Help us celebrate financial concepts with kids with story time and a craft. Families will be joined by special guest Gavin Wilson from Country Financial, a great storyteller and ventriloquist! Call 815.756.7274 for more information.

Sustainable Sycamore: Consumer Power for a Better Environment

MONEY SMART | Daily Chronicle / Daily-Chronicle.com

WEDNESDAY, MARCH 27

Daily Chronicle / Daily-Chronicle.com • Wednesday, March 27, 2019

| MONEY SMART

APRIL 1 - APRIL 25

Geocache for College Cash

Location: Kishwaukee College 21193 Malta Rd Malta,IL Financial Aid Office GeoCache for College Cash is a contest that operates similar to a scavenger hunt meets Geocache. Using a smart phone or tablet, players read and respond to quiz questions for a chance to win prizes. This fun campus event features personal finance info every student should know. Prizes include chance to win s scholarship, as well as gift cards and swag.

MONDAY, APRIL 1 Money Smart Monday

Time: 11 am Location: Kishwaukee College Financial Aid Office 21193 Malta Rd Malta,IL Come to the Financial Aid Office on Money Smart Mondays in April! Each week there will be new opportunities to learn and win swag and gift cards. Join us for fun, games, activities, and chances to win prizes!!

Money Smart Week Jeopardy

Time: 10 am-11 am Location: Kishwaukee College - RC1130 Student Lounge 21193 Malta Rd Malta, IL C1130

Presenters: Kim Morris, Illinois Community Credit Union & Norma Trosper, Rock Valley Credit Union Welcome to one of our favorite answer and question games, Money Smart Week Jeopardy! You know how to play it; we provide the categories and answers, and it’s up to you to provide the right question. Come test your money knowledge and Jeopardy skills with ICCU and RVCCU for a chance to win prizes.

Increase Cash Flow and Debt Management

Time: 2:00 pm-3:30 pm Location: DeKalb Public Library, 309 Oak St, DeKalb, IL Presenter: Hortencia Aguirre It is not about how much money you make, but about how much you keep. We know that money is not the greatest wealth –knowledge is the greatest wealth. In this workshop you will discover $100$200 you did not know you had. You will learn the actual costs of spending $6.60 a day. You will become more aware of where your money is going. Come learn the only two ways to increase cash flow. Understand misconceptions in defining assets and liabilities. This workshop is free

and open to all; no registration is required. For additional information, please contact Hortencia Aguirre at haguirre101@hotmail. com.

Money Smart Kids Read - Dixon: Count on Pablo

Time: 3:00 pm-5:00 pm Location: Dixon Public Library, 221 S Hennepin Ave, Dixon, IL 61021 Presenter: Dixon Public Library Staff How do you count and make money? Listen to a story, make a craft, learn about money, and take home a free book! (Supplies are limited, and first come first served.) For more information, contact Keri Olson at kolson@uwleeco.org or 815.284.3339.

Incrementa el flujo de dinero y mantenimiento de deudas

Time: 6:00 pm-8:00 pm Location: La Biblioteca publica de DeKalb, 309 Oak St, DeKalb, IL No se trata de cuanto ganas sino con cuanto te quedas. Sabemos que el dinero no es la mayor riquesa. El conosimiento applicado es la mayor riquesa. En este taller descubriras de $100 a $200 que no sabias que tenias. Aprenderas cual el el verdadero

Resumes: 101

Time: 10 am-12 noon Location: Hope Haven 1145 Rushmoore Dr DeKalb,IL Presenters: Tho Pham & Jeff Taylor, First National Bank In this session participants will learn how to create a basic budget, get explainations about different savings accounts/plans at a bank and provide tips to start saving and building a savings account.

Time: 7 pm Location: IL WorkNet Center 650 N. Peace Rd (Suite B) DeKalb,IL This workshop is designed to give you an overview of the job search process including research, self-assessment, career planning, resume, personal branding, networking, job search strategy, interviewing, and more! For more information, please contact Kristney at kvaulx@kish.edu

TUESDAY, APRIL 2

Special Money Smart Week Story Time ~ DeKalb Public Library

Time: 9:30 am-10:00 am Location: DeKalb Public Library, 309 Oak St, DeKalb, IL It’s the Money Smart Week Big Read – a statewide celebration of financial literacy just for kids. We will host a story time that will feature the statewide Big Read book, Count on Pablo by Barbara deRubertis. Gavin Wilson from Country Financial will read stories and bring along his puppet friend to help! All children who attend this story time will receive a free copy of the book! Can’t make this special story time? Don’t worry, we’ll be handing out free copies of the book during April while supplies last! This free event is open to children of all ages and no registration is required. For more information, please contact Theresa at (815) 756-9568 ext. 3350 or email theresaw@dkpl.org. Dozens of libraries across Illinois are hosting Money Smart Week Big Reads!

Understanding Your Credit Score

Time: 11 am-1 pm Location: NIU College of Business - Barsema Hall, (Atrium by the Café), 740 Garden Rd DeKalb, IL Presenters: Robert Heck & Ric Zydorowicz, First National Bank

Budgeting and Savings

Strong Financial Future: Proper Protection

Time: 2:00 pm-3:30 pm Location: DeKalb Public Library, 309 Oak St, DeKalb, IL Presenter: Hortencia Aguirre Subjects covered in this workshop are: “How to have a strong protection plan” and “The relationship between growing wealth and reducing responsibility.” After attending this workshop, you will walk away understanding why life insurance is important. You will be able to calculate how much life insurance you need and what types are available. This workshop is free and open to all; no registration is required. For additional information, please contact Hortencia Aguirre at haguirre101@hotmail.com

Money Smart Kids Read – Open Sesame: Count on Pablo (Private Event)

Location: Open Sesame School Age Program at 501 S Lincoln, Dixon IL 61021 How do you count and make money? Kids at Open Sesame will listen to a story, make a craft, learn about money, and take home a free book!

Futuro financiero solido: proteccion apropiada Time: 6:00 pm-8:00 pm Location: La Biblioteca publica de DeKalb, 309 Oak St, DeKalb, IL Temas que se cubriran en este taller son:

Como tener un plan de proteccion solido y la relacion entre crear riquesa y reducir responsabilidad. Despues de asistir este taller saldras entendiendo porque asegurar tu vida es importante. Podras calcular cuanto seguro de vida necesitas y los tipos que estan disponibles. This workshop is free and open to all; no registration is required. It will be held entirely in Spanish. For additional information, please contact Hortencia Aguirre at haguirre101@hotmail.com

The End of Poverty? (Movie)

Time: 7 pm Location: Egyptian Theatre 135 North Second St DeKalb,IL Filmmaker Philippe Diaz sets out to get a complete and researched understanding of poverty throughout the world. Through the film he interviews a litany of policymakers and scholars to learn more about the crippling problem of poverty. At the core of the film is a simple question he sets out to answer, “If there is so much wealth and progress around the world, why is it that so many still live in poverty?” The film is powerfully narrated by Martin Sheen and spans the globe in its search for answers. It explores historical narratives and visits the poverty-struck countries it muses about. The sights seen in Bolivia, for example, show the real faces and people affected by unjust laws and corporate corruption. Discussion facilitated by Deanna Cada, Director of the DeKalb County Community Mental Health Board, to follow. Generously sponsored by: DeKalb County Housing Authority & DeKalb Township

WEDNESDAY, APRIL 3

Simplify Your Spending and Saving Strategies

Time: 9:00 am Location: Edward Jones 1680 Presenter: Heather Hilleshiem Mediterranean Dr Sycamore,IL This seminar will help sharpen your spending and saving strategy and learn about setting personal financial goals, balancing saving, spending and borrowing to achieve goals, strategies for controlling debt and improving credit score, and practical savings options for now through retirement. RSVP’s requested. Please call 815-895-3672 to make your reservation April 3, continued on following page

• Wednesday, March 27, 2019

Your credit score may be one of the most important numbers you have in life! Join us for the Understanding Your Credit Score seminar to find out what’s contained in your credit report, how credit bureau information generates a score and the impact it may have on getting a loan. Plus, you’ll have an opportunity to speak with professionals about how your credit score can work for you.

MONEY SMART | Daily Chronicle / Daily-Chronicle.com

presio de gastar $6.60 al dia. Estaras mas al tanto de donde se esta escapando tu dinero. Ven y aprende las unicas dos maneras de aumentar el flujo de dinero. Entiende algunos malentendidos en definer activos y passivos. This workshop is free and open to all; no registration is required. It will be held entirely in Spanish. For additional information, please contact Hortencia Aguirre at haguirre101@hotmail.com.

Daily Chronicle / Daily-Chronicle.com • Wednesday, March 27, 2019

| MONEY SMART

6 “Life Insurance: It’s Personal. What type works best for You?”

Time: 9 am-10 am Location: Elder Care Services - Closed Session 1701 E Lincoln Hwy DeKalb,IL Presenter: Gavin Wilson, Country Financial Information about life insurance plans, including differences between term and whole life insurance and the features & benefits of each.

Trust and Estate Planning

Time: 10 am Location: First National Bank in Sycamore 511 W State St Sycamore,IL Presenters: Amanda Brown and Mary Busch This seminar promises to provide insights on estate and trust planning to help you prepare better for future

Job Search: 101

Time: 10 am-11 am Location: IL WorkNet Center 650 N. Peace Rd (Suite B) DeKalb,IL Your resume and cover letter are often the first contact you have with a prospective employer. This workshop is geared to help you develop your resume and other application materials. You will also learn how to avoid common mistakes and improve your current resume so that you have a better chance of gaining an invitation to a job interview. For more information, please contact Kristney at kvaulx@kish.edu

How to Fund College

Time: 12 noon Location: Sauk Valley Community College, Room TBA, 173 IL-2, Dixon, IL 61021 Presenter: Dana Chacon, Thrivent Financial This session will feature all you need to know about saving for college, and the benefits of federal student aid. FREE pizza for attend-

ees! For more information, contact Keri Olson at kolson@uwleeco.org or 815.284.3339.

Building Wealth: Asset Accumulation

Time: 2:00 pm- 3:30 pm Location: DeKalb Public Library, 309 Oak St, DeKalb, IL Presenter: Hortencia Aguirre The point of getting up every day and serving at our jobs or careers day in and day out is to provide for current needs, but also to wake up in the future and be in a better state financially. In this workshop we will cover why some people build wealth over time and some do not. We will cover the wealth formula, rule of 72, and why it is so important to act now to secure a better future. This workshop is free and open to all; no registration is required. For additional information, please contact Hortencia Aguirre at haguirre101@hotmail.com

THURSDAY, APRIL 4 Trust and Estate Planning

Time: 9:30 am Location: First National Bank in Marengo 677 E Grant Hwy Marengo,IL Presenters: Josh Huseman & Susan Stevens, First National Bank This seminar promises to provide insights on estate and trust planning to help you prepare better for future.

Medicare Made Clear

Time: 3 pm Location: Oak Crest 2944 Greenwood Acres Dr DeKalb,IL Presenter: Carol Cherry, LifeSmart Services There are more Medicare insurance options available than ever before. Finding the right plan requires careful consideration, and we know, an educated consumer will make the right choice. We are here to educate you on

Meeting and study rooms 309 Oak Street, DeKalb

dkpl.org

(815) 756-9568

reference@dkpl.org

your Medicare insurance options. Licensed Representative Carol Cherry discusses multiple plans of varying coverage and cost that can benefit your individual needs. For more information, contact JoAnn Launer at 815-756-8461.

Planning For Retirement… Before, During and After

Time: 6 pm Location: Barb City Manor 680 Haish Blvd DeKalb,IL Presenter: Gavin Wilson, Country Financial Find out steps to take for making the most out of what you have worked so hard for. All ages welcome, whether you’re planning for the golden years or already in them! For more information contact Sarah Davis at 815-756-8444

Managing College Costs

Time: 6:30 pm-7:30 pm Location: DeKalb Public Library 309 Oak St DeKalb,IL Presenter: Erica Jaquelin Vivaldo, Illinois Student Assistance Commission The Illinois Student Assistance Commission (ISAC) will give a presentation to provide tips on how parents can support their students as they go through the college enrollment process, and motivate students to take a roll in thinking about their college budget. Topics include how to plan college financing, the value of going to college, saving money without losing out on academic opportunities, types of colleges and degrees, and more. This program is intended for teens and their parents. For additional information, please contact Samantha at samanthah@dkpl.org or at (815) 756-9568 ext. 1701

Time: Not open to the Public ~ for Safe Passage Clients Presenter: Robert Heck, First National Bank This session will help you understanding Your Credit Score (show you what is contained in your credit report, how credit bureau information generates a score and the impact it has on getting a loan. Contact Robert at (815)758-2411 or rheck@fnni.com for more information

FRIDAY, APRIL 5

Money Smart Week FAFSA Fridays

Interviewing

Time: 10 am-11 am Location: IL WorkNet Center 650 N. Peace Rd (Suite B) DeKalb,IL The job interview is a prime opportunity to show that you are the best candidate for the job. This workshop will increase your understanding of the interview process and help you answer the most common, and sometimes challenging, questions with ease so you can be more comfortable and better prepared for your job interview. For more information, please contact Kristney at kvaulx@kish.edu

SATURDAY, APRIL 6 AARP Free Tax-Aide

Location: DeKalb Public Library 309 Oak St DeKalb,IL ; Adult Study Rooms The free AARP Foundation Tax-Aide program will again be available at the DeKalb Public Library and for people with low to moderate incomes. Tax -Aide volunteers will be available on a first come first served basis every Saturday February 2 - April 13, 2019 from 9:30 a.m.-12:30 p.m. (Be sure to bring a photo ID and all necessary tax documents and last year’s return forms.)

MONDAY, APRIL 8 Money Smart Monday

Location: Kishwaukee College Financial Aid Office 21193 Malta Rd Malta,IL Come to the Financial Aid Office on Money

Resumes: 101

Time: 10 am-11 am Location: IL WorkNet Center 650 N. Peace Rd (Suite B) DeKalb,IL This workshop is designed to give you an overview of the job search process including research, self-assessment, career planning, resume, personal branding, networking, job search strategy, interviewing, and more! For more information, please contact Kristney at kvaulx@kish.edu

WEDNESDAY, APRIL 10 Job Search: 101

Finding Your Balance

Time: 11 am Location: Kishwaukee College - Room C1130 - Student Lounge 21193 Malta Rd Malta,IL C1130 Presenter: First National Bank Staff Having trouble finding your balance… with budgeting and saving? Join First National Bank in a fun session focusing on “putting yourself in balance. Learn about discretionary spending and elements of saving. Enjoy free giveaways and snacks while you learn about money in an interactive way!

Building a Business in the Financial Industry

Time: 2:00 pm - 3:30 pm Location: DeKalb Public Library, 309 Oak St, DeKalb, IL Presenter: Hortencia Aguirre What motivates you to go after your goals every day? What gives your life purpose? Keeping in mind that our purpose and goals fuel our lives we will show you how we want to build a new financial industry. We are building a new distribution system to replace

the old obsolete industry. We want to build a new generation of well-informed consumers. You will never be free until you have financial freedom. This workshop is free and open to all; no registration is required. For additional information, please contact Hortencia Aguirre at haguirre101@hotmail.com.

Creando un negocio en la industria financiera

Time: 6:00 pm - 8:00 pm Location: La Biblioteca publica de DeKalb, 309 Oak St, DeKalb, IL Que te motiva a perseguir tus metas diariamente? Que es lo que le da proposito a tu vida? Mantenieno en mente que nuestros propositos y metas ensienden nuestras vidas te ensenaremos como construer una nueva industria financiera. Estamos construllendo un nuevo Sistema de distribucion para reemplasar la vieja industria. Queremos construir una nueva generacion de consumidores bien-informados. Nunca seras libre hasta que tengas libertad financiera. This workshop is free and open to all; no registration is required. It will be held entirely in Spanish. For additional information, please contact Hortencia Aguirre at haguirre101@ hotmail.com.

THURSDAY, APRIL 11 Essential Resume Skills for Employment Success

Time: 2:00 pm - 3:00 pm Location: DeKalb Public Library, 309 Oak St, DeKalb, IL Presenter: Britta Krabill Join us for a job readiness workshop with the Kishwaukee College Workforce and Community Education Division. Your resume and cover letter are often the first contact you have with a prospective employer. This workshop is geared to help you develop your resume and other application materials. You will also learn how to avoid common mistakes and improve your current resume so that you have a better chance of gaining an invitation to a job interview. This program is FREE and does not require registration. For more information, contact Britta at brittak@ dkpl.org or (815) 756-9568 ext. 2100

• Wednesday, March 27, 2019

Location: Kishwaukee College Financial Aid Office 21193 Malta Rd Malta,IL Come to the Financial Aid Office on FAFSA Fridays in April! Each week there will be new opportunities to learn and win swag and gift cards. Show us your FAFSA submission from that week and be entered to win prizes; complete your Kish financial aid file that week and be entered to win prizes.

Smart Mondays in April! Each week there will be new opportunities to learn and win swag and gift cards. Join us for fun, games, activities, and chances to win prizes!!

MONEY SMART | Daily Chronicle / Daily-Chronicle.com

Understanding Your Credit Score (Private Event)

Daily Chronicle / Daily-Chronicle.com • Wednesday, March 27, 2019

| MONEY SMART

FRIDAY, APRIL 12

Money Smart Week FAFSA Fridays

Interviewing

SATURDAY, APRIL 13 AARP Free Tax-Aide

Time: First come, first served Location: DeKalb Public Library, 309 Oak St, DeKalb, IL; Adult Study Rooms The free AARP Foundation Tax-Aide program will again be available at the DeKalb Public Library and for people with low to moderate incomes. Tax -Aide volunteers will be available on a first come first served basis every Saturday February 2 - April 13, 2019 from 9:30 a.m.-12:30 p.m. (Be sure to bring a photo ID and all necessary tax documents and last year’s return forms.)

MONDAY, APRIL 15 Money Smart Monday

Location: Kishwaukee College Financial Aid Office 21193 Malta Rd Malta,IL Come to the Financial Aid Office on Money Smart Mondays in April! Each week there will be new opportunities to learn and win swag and gift cards. Join us for fun, games, activities, and chances to win prizes!!

Resumes: 101

Time: 10 am-11 am Location: IL WorkNet Center 650 N. Peace Rd (Suite B) DeKalb,IL This workshop is designed to give you an overview of the job search process including research, self-assessment,

career planning, resume, personal branding, networking, job search strategy, interviewing, and more! For more information, please contact Kristney at kvaulx@kish.edu

TUESDAY, APRIL 16

Making Choices ~ Private Session

Time: 6:30 pm Location: Aktion Club, KSB Private Dining Room, Dixon, IL 61021 Staff from the United Way of Lee County will facilitate an exercise entitled “How will you invest your resources?” Participants will~determine how they will spend a monthly budget on a game board and learn about local resources. For more information, contact Keri Olson at kolson@uwleeco. org or 815.284.3339.

WEDNESDAY, APRIL 17 Job Search: 101

FRIDAY, APRIL 19

Money Smart Week FAFSA Fridays

Interviewing

prepared for your job interview. For more information, please contact Kristney at kvaulx@kish.edu

MONDAY, APRIL 22 Resumes: 101

Financial Literacy Family Feud

Time: 1 pm Location: Kishwaukee College - Room C1130 - Student Lounge 21193 Malta Rd Malta, IL C1130 Do you enjoy game shows? Is Family Feud one of your favorites? Come have some fun and test your financial literacy knowledge with us during Financial Literacy Family Feud presented by the Illinois WorkNet Center.

Social Security’s Best Kept Secrets

Time: 6 pm-8 pm Location: DeKalb Public Library Yusunas Room 309 Oak St DeKalb,IL Location: DeKalb Public Library Yusunas Room, 309 Oak St, DeKalb, IL Presenter: Walsh & Associates Did you know a married couple has over 80 different strategies for how they can claim their benefits? With Social Security planning, it’s not “one size fits all”, and if you’re not looking into all your options for collecting, you’re probably making an expensive mistake. Don’t be one of the average retirees who leaves potentially thousands of dollars unused! In this course, you’ll learn the secrets to maximize your benefits. Whether you’ll be working while collecting, will be retiring in the next few years, or have just recently applied for your benefits, we’ll show you the right claiming strategy for your situation. Securities Offered through LPL Financial Member FINRA / SIPC. Financial Planning and investment advice offered through Walsh & Associates, a registered investment adviser and separate entity from LPL Financial. Walsh & Associates and LPL Financial do not provide tax and/or legal advice. Clients should consult with their continued on following page

TUESDAY, APRIL 23

Approaching Retirement on TRS or SURS

Free Community Resource Fair

Time: 6 pm-8 pm Location: Sycamore High School 427 Spartan Tr. Sycamore,IL Presented by: The Permanency Action Team of DeKalb County in coordination with VAC and District #427 A special event for the whole family! *Free groceries and a free meal *Learn about free community resources *Giveaways and games for the kids Free transportation available (TransVac) Call: 815-758-664. Need More Info? Contact Dariana at 815.825.9341

Job Search: 101

Transition to Retirement: The Key Issues You Must Know

Time: 6 pm-8 pm Location: DeKalb Public Library Yusunas Room, 309 Oak St, DeKalb, IL Presenter: Walsh & Associates Retirement is a one-time event. Mistakes can be very costly. This course will address some of the key issues in the transition from work to retirement. Understanding these key issues and making informed decisions may help you better enjoy your “golden” years. We will evaluate the true cost of retirement, review potential sources and timing of retirement income, discuss health changes to plan for, and touch on protecting your wealth and minimizing taxes during retirement. This course is designed to guide you through this exciting transition period of your life. Securities Offered through LPL Financial Member FINRA / SIPC. Financial Planning and investment advice offered through Walsh & Associates, a registered investment adviser and separate entity from LPL Financial. RSVP is requested. Please call 941-952-1188 or email Krystle.Harvey@lpl.com

THURSDAY, APRIL 25

Estate Planning 101: The Essentials

Time: 11 am-1 pm Location: DeKalb Public Library Yusunas Room, 309 Oak St, DeKalb, IL Presenter: Walsh & Associates Estate planning is essential to everyone’s lifelong plan and is not just for the wealthy. It involves not only passing on your real estate, personal property, and financial assets to your heirs, but also planning for others to make decisions for you should you become incapacitated or die. A well-thought out estate plan can help you provide for loved ones while managing taxes and

Mastering the Job Search

Time: 2:00 pm- 3:00 pm Location: DeKalb Public Library, 309 Oak St, DeKalb, IL Presenter: Britta Krabill Join us for a job readiness workshop with the Kishwaukee College Workforce and Community Education Division. This workshop is designed to give you an overview of the job search process including research, self-assessment, career planning, resume, personal branding, networking, job search strategy, interviewing, and more! This program is FREE and does not require registration. For more information, contact Britta at brittak@dkpl.org or (815) 756-9568 ext. 2100.

FRIDAY, APRIL 26

Money Smart Week FAFSA Fridays

Mastering the Interview

• Wednesday, March 27, 2019

Time: 6 pm-8 pm Location: DeKalb Public Library Yusunas Room, 309 Oak St, DeKalb, IL Presenter: Walsh & Associates Are you worried about the Illinois state budget and the impact on TRS and SURS? Putting together a solid savings plan for your future and developing a clear understanding of your retirement benefits is one of the best strategies to ensure a confident, enjoyable retirement. We will review the “Windfall Elimination Provision” and “Government Pension Offset” that affects pensioners’ past Social Security benefits and how they are calculated. We will introduce strategies that are only available to Teachers Retirement System and the State University Retirement System participants. These strategies could mean more money to you and your family. If you are anywhere near retirement, now is the time for this class. Securities Offered through LPL Financial Member FINRA / SIPC. Financial Planning and investment advice offered through Walsh & Associates, a registered investment adviser and separate entity from LPL Financial. This presentation was created for educational and informational purposes only and is not intended as ERISA, tax, legal or investment advice. If you are seeking investment advice specific to your needs, such advice services must be obtained on your own separate from this educational presentation. RSVP is requested. Please call 941-952-1188 or email Krystle.Harvey@lpl.com

WEDNESDAY, APRIL 24

ensuring that your wishes are carried out. Estate planning is the key to making sure that everything you work for is passed on according to your wishes. These are difficult decisions, but if you don’t make them, a court will. Securities Offered through LPL Financial Member FINRA / SIPC. Financial Planning and investment advice offered through Walsh & Associates, a registered investment adviser and separate entity from LPL Financial. Walsh & Associates and LPL Financial do not provide tax and/or legal advice. Clients should consult with their personal tax /or legal advisers regarding the tax consequences of investing. RSVP is requested. Please call 941-952-1188 or email Krystle.Harvey@lpl.com

MONEY SMART | Daily Chronicle / Daily-Chronicle.com

personal tax /or legal advisors regarding the tax consequences of investing. RSVP is requested. Please call 941-952-1188 or email Krystle.Harvey@lpl.com

Daily Chronicle / Daily-Chronicle.com • Wednesday, March 27, 2019

| MONEY SMART

10 sometimes challenging, questions with ease so you can be more comfortable and better prepared for your job interview. For more information, please contact Kristney at kvaulx@kish.edu

SATURDAY, APRIL 27 Medicare Made Clear

Time: 11 am-12 noon Location: DeKalb Public Library 309 Oak St DeKalb,IL Presenter: Carol Cherry, LifeSmart Senior Services There are more Medicare insurance options available than ever before. Finding the right plan requires careful consideration, and we know, an educated consumer will make the right choice. We are here to educate you on your Medicare insurance options. Licensed Representative Carol Cherry discusses multiple plans of varying coverage and cost that can benefit your individual needs.

MONDAY, APRIL 29 Money Smart Monday

Resumes: 101

Medicare Made Clear

Time: 6:30 pm-7:30 pm Location: DeKalb Public Library, 309 Oak St, DeKalb, IL Presenter: Carol Cherry, LifeSmart Senior Services There are more Medicare insurance options available than ever before. Finding the right plan requires careful consideration, and we know, an educated consumer will make the right choice. We are here to educate you on your Medicare insurance options. Licensed Representative Carol Cherry discusses multiple plans of varying coverage and cost that can benefit your individual needs

Web Resources Plan Well, Retire Well https://web.extension.illinois.edu/cfiv/ eb141/ Financial Wellness for College Students https://web.extension.illinois.edu/cfiv/ fwcollege/ Money Mentors https://web.extension.illinois.edu/cfiv/ moneymentors/ All My Money https://extension.illinois.edu/allmymoney/

Radio Resources

WLBK FM 98.9/AM 136 Weekdays:

Dave Ramsey Show (daveramsey.com)

Time: 1:06 pm, 2:06 pm & 3:06 pm Common sense life & money tips. Personal finance and money management made simple.

Clark Howard Show (clark.com)

Time: 4:06 pm, 5:06 pm & 6:06 pm Consumer expert shows you practical ways to save more, spend less and avoid getting ripped off.

Understanding the jargon of health insurance The world of healthcare can be confusing to navigate. Before the prevalence of health maintenance organizations and various other health and wellness insurance groups, obtaining medical assistance involved going to the doctor and then paying the bill. But today people must navigate copayments, coinsurance, deductibles, and savings plans, which can make it difficult to understand what’s going on with your insurance company. Healthcare is standardized in some areas of the world and publicly financed with little to no out-of-pocket costs for participating citizens. Elsewhere, access to health insurance is provided through employers or government assistance programs or individually purchased. Understanding some health insurance-related jargon is a great way to better educate oneself about the industry. • Benefit period: The benefit period refers to the duration of time services are covered under your plan. It is usually a calendar year from the point of start to end. It may begin each year on an anniversary date when you first received coverage. • Coinsurance: This is a percentage of the cost of services rendered in specific areas outlined by the health plan that you are responsible for after a deductible is met. For example, a plan may cover 85 percent of costs, with patients responsible for the remaining 15. • Copayment (copay): A copayment refers to the flat rate you pay to a provider at the time you receive services. Some plans do not have copays.

• Deductible: The amount you pay for health services before the insurance company pays. You must meet a set limit, which varies by plan and provider, before insurance will kick in and cover the remaining costs during the benefit period. Many plans have a $2,000 per person deductible. This deductible renews with each calendar year. • HMO: A health maintenance organization offers services only with specific HMO providers. Referrals from a primary care doctor often are needed to see specialists. • HSA: A health savings account enables you to set aside pre-tax income up to a certain limit for certain medical expenses. • Long-term care insurance: A specific healthcare plan that can be used for in-home nursing care or to pay for the medical services and room and board for assisted living/nursing home facilities. • Network provider: This is a healthcare provider who is part of a plan’s network. Many insurance companies negotiate set rates with providers to keep costs low. They will only pay out a greater percentage to network providers. • Non-network provider: A healthcare provider who is not part of a plan’s network. Costs may be higher if you visit a non-network provider or if you are not covered at all. • PPO: A preferred provider organization is a type of insurance plan that offers more extensive coverage for in-network services, but offer additional coverage for out-of-network services. Navigating health insurance is easier when policy holders understand some common industry jargon.

MONEY SMART | Daily Chronicle / Daily-Chronicle.com â€¢ Wednesday, March 27, 2019

Daily Chronicle / Daily-Chronicle.com • Wednesday, March 27, 2019

| MONEY SMART

Did you know?

Credit scores are important factors when lenders determine if individuals applying for credit or loans are worthy borrowers. Credit is used when purchasing a new home, buying a car, opening a business, or applying for new credit cards. A credit score is a three-digit number that corresponds to a certain range. The standards were established by FICO®, and the higher the score, the better (scores start at 300 and move upward to 850). Various things can impact credit score, and some weigh more heavily toward the final score than others. The following are the factors that influence credit score in order of their importance, according to Wells Fargo bank. • Payment history (making payments on time) • Current debts (carrying high balances) • Credit history • New credit application inquiries • Types of current credit (mixed forms of loans, credit cards, etc.) A 2017 report from the World Economic Forum recommended that the richest countries across the globe raise their retirement ages in order to prevent the collapses of pension systems. Full retirement age in the United States varies depending on when a person was born, though it’s currently between age 65 and 67. In Canada, eligible residents can begin receiving their full Canada Pension Plans at age 65. But longer life expectancies among today’s men and women as well as considerably longer life expectancies for babies born today is partly why the World Economic Forum recommended raising the age at which people can begin receiving their full benefits. Pension funds have been unable to keep pace as people are living longer but still retiring around the same age as they have for decades. That will create a considerable shortfall by 2050, when the World Economic Forum predicts eight countries, including the United States, Canada, India, and China among others, will face a combined pension fund shortfall of $400 trillion.

MONEY SMART WEEK

ILLINOIS

EVENTS

Craig Popp

Registered Broker/Dealer, offering securities products and services: COUNTRY® Capital Management Company, 1705 Towanda Avenue, Bloomington, IL 61702-2222, P.O. Box 2222, tel (866) 551-0060. Member FINRA and SIPC. Investment management, retirement, trust and planning services provided by COUNTRY Trust Bank®. 0319-500HO

BE SMART 73 MILLION ADULTS ARE JUST GETTING BY FINANCIALLY ABOUT YOUR MONEY! Just over 25% of all adults are unbanked or underbanked.

19% with debt from their own education report someone else is helping pay back the loan.

44% say they could not cover a $400 emergency expense or would pay it by selling something or borrowing money. 25% report forgoing one or more types of health care in the prior year due to cost.

MONEYSMARTWEEK.ORG

Chris Patterson

2060 Aberdeen Ct, Suite B | Sycamore | 815-756-9536

BIL

MARCH 30 – APRIL 6, 2019

Survey respondents likely to apply what was learned

Mike Shipley

SES

ATTENDEES

Survey respondents who found value in the MSW Illinois session they attended

Dan Howes

EXPEN

PARTNERS

98% 84%

2018

No matter what stage of life you're in, it's never too early to start planning for retirement. Together we can help you work towards a better future. Call today to learn more!

LOANS

901 698 23,654

Money Smart Week Illinois® is part of a national education campaign designed to help consumers better manage their personal finances. Started by the Federal Reserve Bank of Chicago in 2002, the program consists of public and private partner organizations offering free classes, seminars and other educational activities.

It's never too early

MONEY SMART WEEK

MARCH 30 – APRIL 6, 2019 MONEYSMARTWEEK.ORG

Source: Federal Reserve Board’s fourth-annual Survey of Household Economics and Decisionmaking, published in 2017

Teachers/Students

Financial Literacy for Success - Searchable toolkit to gain knowledge & skills to reach educational goals Games in the Classroom – Games for different grade levels Econlowdown – Interactive lesson plans, activities, and readings Teacher Online Resource Center – Resources & curriculum guides JumpStart Coalition – Clearinghouse for those committed to financial smarts Practical Money Skills.com - Teacher Center– extensive financial literacy content for educators

Illinois State Treasurer’s Office, Michael W Frerichs - Info about Illinois financial programs & services Illinois Student Assistance Commission – Comprehensive college planning & financial aid resources COUNTRY Financial Resource Toolbox - Calculators, tips & tools, and information to reach financial goals

Families Financial Literacy for Success - Searchable toolkit to gain financial knowledge & skills to reach educational goals The Mint: Parents and Kids and Money – Tips & tricks; Assess your ability to model good financial habits

JumpStart Coalition – Age-appropriate personal finance lessons; Reality Check Activity

Edward Jones Paying for Education - Create an education savings strategy that will make the grade

The Mint - Ideas for teachers 6-12th grade teachers about how to manage money; Tips for Teens

COUNTRY Financial Family Matters - Ways to plan for your children’s future, from college to family nights & more

MyMoney.gov - Games and fun facts about money, saving and planning for the future

Adults

Invest in what’s Next (Gr 9-12) - Mini-course helps you explore opportunities & budget for the future

College Students Illinois WorkNet Center - Info on Illinois jobs, training for careers, and building knowledge Consumer Financial Protection Bureau - Answers to money questions & tools and resources to reach goals

For clickable links to all of these resources, visit:

My Free Taxes - Free online tax-filing service offered by United Way and H& R Block FLEC National Network – Resources for home buying made simple Building Wealth - Personal finance resource ~ overview of wealthbuilding strategies Edward Jones Calculators & Checklists - Tools to prepare for the future COUNTRY Financial Resource Toolbox - calculators, tips & tools http://www.econillinois.org/money-smart-week/resources.shtml

Explaining financial plans and why you need one

A clear understanding of personal expenditures and savings rates is essential for securing a strong financial future. A financial plan can help everyone from the extraordinarily wealthy to those struggling to make ends meet. The Financial Planning Association says a financial plan identifies goals and objectives that take finances to achieve and creates a plan for making those things happen. A financial plan can serve as a road map that people can look to for years to come as they work toward securing their financial futures. Whether you aim to retire by age 50 or to reduce your debt, a financial plan can be just what you need to turn your dreams into a reality. Here are some steps for devising a financial plan.

1. Identify what you want. You must identify what you want to achieve. Goals may include buying a home, retiring early, providing for a child’s education, or having more time and money for travel. Putting your goals on paper may inspire you to pursue them more vigorously. 2. Audit your finances. Conduct an audit of your finances so you can get a clear grasp of your current situation. Make a list of all of your assets, and then subtract existing debts to figure out your net worth. While you’re tabulating, find out how much you bring in and spend each month so you can get a clear picture of your spending habits. This will help you make smart choices in regard to spending and saving. 3. Eradicate existing debt. One of the key parts of a financial plan is to pay down high-interest debt to free up money for the future. Focus on paying off credit card balances, high-interest loans or balances for other accounts where interest is high. A debt consolidation loan may

be worth exploring if you’re having trouble paying down high-interest debt. 4. Start saving. Building savings is essential to reaching many goals. It also is key to help avoid financial ruin during emergency situations, such as home or car repairs, disability that takes you out of work, etc. Start small by having a certain percentage of money deposited into a separate account automatically. Then watch it grow. Investing in the right products also can help you grow your savings. Financial advisors can help individuals devise plans to meet their short- and long-term goals.

• Wednesday, March 27, 2019

Navigate Publications - Introduction to careers and college

MONEY SMART | Daily Chronicle / Daily-Chronicle.com

Money Smart Week DeKalb, Lee & LaSalle Resources

Daily Chronicle / Daily-Chronicle.com • Wednesday, March 27, 2019

| MONEY SMART

MONEY SMART WEEK

Money Smart Teen 2019

DeKalb High School

Money Smart Teen Scholarship

In support of Money Smart Week® for DeKalb, LaSalle and Lee Counties, the Illinois Community Credit Union is sponsoring the Money Smart Teen Scholarship for DeKalb High School. Senior High School students are encouraged to answer this year’s Money Smart Question (see below) with an essay.

Scholarship prize: $500

A representative from the Illinois Community Credit Union will present the awards to the winner at their respective school on Senior/Scholarship Night.

Guidelines

Candidates Must: 

Be a Senior High School Student with a minimum “C” average grade point



Have knowledge of money management skills (decision-making related to spending and saving, investing, use of credit, etc.) appropriate for their age and grade level



Be able to respond to questions from business leaders and media



Be articulate – able to speak in front of large groups



Live in DeKalb

2019 Money Smart Teen Essay Question Please write a 2-page essay, double-spaced, explaining how to make an informed financial decision about which school to attend for your postsecondary plans (college or trade school). Share information you have collected and sources, your plan and necessary costs, your budget for living expenses in addition to your coursework and books, and how you will pay for the expenses. Be sure to include tips and resources for others who are college bound. A budget (page 3) should be included in addition to the 2-page essay.

Timeline

April 12, 2019

To Apply 1.

Student must write an essay (2pages) on the assigned topic and include a budget in addition to the 2page essay.

Essays must be typed on plain white paper, double-spaced using a 10 pt. Arial font. The Money Smart Teen Scholarship Application Form must be attached to the essay pages.

The essay must be the work of the student submitting the essay and free from spelling grammatical errors.

The application form must be signed by a parent/guardian and student.

The essay and application should be scanned and submitted electronically to: dawn@kishwaukeeunitedway.com

Essay Submission Deadline by 3:30 pm to the Student Services Office

April 19, 2019

Winners Notified

May 15, 2019

Winner presentation at DHS Senior Awards Night

All essays become the property of the Money Smart Committee and may be used to promote financial literacy.

state tax prep and filing in all 50 states and the District of Columbia. Since 2009, MyFreeTaxes and our Volunteer Income Tax Assistance (VITA) sites have helped millions of U.S. taxpayers save more than $10 billion. Only one in five people who qualify for the Earned Income Tax Credit (EITC) take advantage of it. Many do not even know they qualify. MyFreeTaxes promotes critical tax credits like the EITC and Child Credit. Individuals or families with a household income of $66,000 or less can prepare and file taxes for free on MyFreeTaxes.com. Kishwaukee United Way also promotes free tax preparation at local sites each year run by VITA, AARP and Goodwill. Another example of our financial stability work is the promotion of our FamilyWize Prescription Discount program. Whether you’re insured or uninsured, you can use FamilyWize to save money on your prescriptions. FamilyWize has thousands of community, corporate, health system, and pharmacy partner and proudly partner with United Way, with whom we help communities across the country afford much-needed medications. We encourage you to visit https://familywize.org/ to download your own FamilyWize card, and start saving today!

CALL

United Way 2-1-1 can put you in touch with organizations ready to help you with:

Emergency Shelter

Health Resources

Rent or Utility Assistance

Food Pantries

Elderly Care

Employment Assistance

. . . and more. It’s Easy and Free!

There’s a an answlways er

24/7!

• Wednesday, March 27, 2019

United Way empowers people to get on stable financial ground with proven methods like job training, financial wellness classes and more. The result is thriving communities where everyone has more opportunity to succeed. When people are able to find decent jobs, provide for their families and save for the future, they and their children are more likely to enjoy healthy lives and succeed in school. Everyone benefits, because financially stable individuals and families lead to a more competitive workforce and a stronger community. United Way’s volunteer experts, working with partners from all sectors of society, connect people to the resources they need to get on more solid financial ground. From financial wellness classes in the workplace and in community centers to career training and job-search assistance, credit counseling and free tax preparation assistance, we’re helping people to earn more and save more. One example of this work is access to MyFreeTaxes, a web portal that provides free federal and state tax preparation and filing assistance for qualifying individuals and families. It is the first online initiative allowing free federal and

MONEY SMART | Daily Chronicle / Daily-Chronicle.com

Financial Stability is a Kishwaukee United Way Impact Area

Daily Chronicle / Daily-Chronicle.com • Wednesday, March 27, 2019

| MONEY SMART

Walsh & Associates to Offer Free Money Smart Week® Classes April 22–25 This “second chance” round of retirement and estate planning classes are offered in partnership with Money Smart Week and in support of National Financial Literacy Month. Mon, Apr 22, 6–8 p.m. Tues, Apr 23, 6–8 p.m. Wed, Apr 24, 6–8 p.m. Thurs, Apr 25, 11 a.m.–1 p.m.

Social Security’s Best Kept Secrets Approaching Retirement on TRS or SURS* Transition to Retirement: The Key Issues You Must st Know Estate Planning 101: The Essentials

Classes held at the DeKalb Public Library, 309 Oak St, DeKalb, IL. Reservations recommended. Call 941.952.1188 or email Krystle.Harvey@lpl.com. Securities offered through LPL Financial Member FINRA/SIPC. Walsh & Associates and LPL Financial do not provide tax and/or legal advice. Clients should consult with their personal tax and/or legal advisors regarding the tax consequences of investing. *This presentation was created for educational and informational purposes only and is not intended as ERISA, tax, legal or investment advice. If you are seeking investment advice specific to your needs, such advice services must be obtained on your own separate from this educational presentation.

444 E Hillcrest Dr, Ste 230, DeKalb, IL 60115 P: 815.748.2130 | F: 815.748.3401