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www.Facebook.com/MoneySmartWeekDeKalb

www.Twitter.com @MSWDeKalb

#MSWDeKalb #iammoneysmart

Daily Chronicle / Daily-Chronicle.com • Wednesday, April 18, 2018

| MONEY SMART

FREE Money Smart Week Programs in DeKalb, Lee and LaSalle Counties! ing in collaboration with local community Kishwaukee United Way is excited to be work k programming to DeKalb, Lee and LaSalle partners to again bring Money Smart Wee cation campaign sponsored by the Federal counties. Money Smart Week is a public edu wellness across all ages groups and program Reserve Bank of Chicago to promote financial topics. ity ote over 80 events with over 1500 commun Last year, the coalition was excited to prom d workshops, sessions and special events. This members in attendance at locally sponsore is proud to offer topics that will appeal to all year the Money Smart Week Planning Team , ther numerous local business professionals ages and topic interests. We will bring toge rofits, and the media to host a rich array of financial institutions, schools, libraries, nonp for our local area. We are extremely grateful Money Smart Week events with people in and ent sessions, support us with marketing all of the partners who have agreed to pres ity programs that teach community members publicity outreach, and help us to offer qual . We will host over 100 FREE sessions the how to be ‘smart’ with money in many ways s in DeKalb, Lee & LaSalle Counties. Money week of April 21 through April 28 at location covering all facet of personal finance; from Smart Week partners will present on topics ng, estate planning, credit card information, establishing a budget, to first time home buyi saving for college, and much more! how to eat healthy on a budget, kids reads, ing Money Smart Week events as well as shar This insert is dedicated to promoting our ts even l r resources. We will highlight loca editorials on financial wellness topics and othe k highlight on Facebook at Money Smart Wee on the radio, in local publications and will ney/mo .org inois accessed at: http://econill DeKalb. A full listing of events can also be smart-week ity E Money Smart Week sessions -- commun Everyone is welcome to attend these FRE and rs invite you to let your friends, neighbo members, students, faculty and youth. We colleagues know about these events. Please MARK your CALENDARS & plan to atte

nd several of our wonderful programs!

ir: MSW DeKalb, Lee & LaSalle Dawn Littlefield, Kishwaukee United Way, Cha

A Social Security Lunch and Learn

If you are relying on Social Security to be a meaningful source of income in retirement, it’s important you understand how the program works, how benefits are determined and what you can expect in the future. In this seminar hosted by The Bowker Jones Group, Baird Senior Financial Planner Brian Ellenbecker discusses Social

Money Smart Week Scavenger Hunt

On the hunt for money! Complete these fun tasks in our scavenger hunt and submit your entry to the Kishwaukee College Financial Aid Office to win gift cards and swag! Location: Kishwaukee College (Private Event: For students/faculty/staff only) Presented by: Money Smart Week Chicago Meaghan Cassinelli, mcassinelli@kish.edu

The Credit Union Difference With lower fees, higher dividends, and competitive loan rates, discover how ICCU can make a diﬀerence for you. Become MONEY SMART Kishwaukee United Way and a host of partners will be offering a week of FREE programs for all ages across our community. Improve your financial wellness with sessions like kids read programs, understanding your credit, paying for college, saving for retirement and MUCH more. "An investment in knowledge always pays the best interest." Benjamin Franklin

For a complete list of programs and to learn more, visit

econillinois.org/money-smart-week Follow Money Smart Week DeKalb on Facebook

Questions call 815-756-7522

myICCU.org (815) 895-4541 SM-CL1522563

• Wednesday, April 18, 2018

Security benefits and how they might fit into your retirement planning strategy. Prior registration is requested. A light lunch will be provided. Location: The Freight Room DeKalb County Community Foundation 475 DeKalb Ave., Sycamore Time: 11:30 AM - 1:00 PM Presented by: The Sycamore Chamber of Commerce & Jon Bowker and Eric Jones To RSVP contact Vanessa Day at 815-6365221 or vday@rwbaird.com

MONEY SMART| Daily Chronicle / Daily-Chronicle.com

THURSDAY, APRIL 19

Daily Chronicle / Daily-Chronicle.com • Wednesday, April 18, 2018

| MONEY SMART

Geocache for College Cash

GeoCache for College Cash is a contest that operates similar to a scavenger hunt. 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. Location: Kishwaukee College, Malta IL Presented by: Money Smart Week Chicago Meaghan Cassinelli, mcassinelli@kish.edu

WLBK ~ The Dave Ramsey Show

Dave started on one station in Nashville in 1992 sharing practical answers to life’s tough money questions. The Dave Ramsey show is now one more than 586 stations with 13 million listeners. Tune in for Dave’s practical advice on life and money. WLBK Radio FM 98.9/AM 1360 Time: 1:06 pm

WLBK ~ The Dave Ramsey Show

WLBK ~ The Clark Howard Show

“Save more and spend less” is more than just a motto for money expert Clark Howard; it’s a way of life. Clark and his crew are on a mission to empower people to take control of their finances by providing money-saving tips, consumer advice, hot deals and economic news to help everyone achieve financial freedom. WLBK Radio FM 98.9/AM 1360 Time: 4:06pm

WLBK ~ The Clark Howard Show

FRIDAY, APRIL 20 All About Recycling! How We Can Reduce Waste!

The DeKalb County Health Department’s Solid Waste and Recycling Program strives to educate the public about ways to reduce and recycle waste generated by residents and businesses. Our goal is to reduce waste by 50% by 2030. Discuss ways to help our county meet that goal! No registration required. Open to all. Location: Sycamore Public Library, 103 E. State St., Sycamore, IL Time: 1:00 pm - 2:00 pm Presented by: DeKalb County Health Department For more information, call the Sycamore Library at 815-895-2500

5 On the hunt for money! Complete these fun tasks in our scavenger hunt and submit your entry to the Kishwaukee College Financial Aid Office to win gift cards and swag! Location: Kishwaukee College (Private Event: For students/faculty/staff only) Presented by: Money Smart Week Chicago Meaghan Cassinelli, mcassinelli@kish.edu

Geocache for College Cash

WLBK ~ The Dave Ramsey Show

WLBK ~ The Clark Howard Show

“Save more and spend less” is more than just a motto for money expert Clark Howard; it’s a way of life. Clark and his crew are on a mission to empower people to

WLBK ~ The Clark Howard Show

SATURDAY, APRIL 21 College: Getting There from Here

This presentation covers questions to consider as you establish a college savings goal, savings strategies to help you reach your goal, and the features and benefits of college savings plans. Call 815-895-3672 to reserve your space. Location: Edward Jones Office, 1680 Mediterranean Dr., Suite 105, Sycamore, IL Time: 9:00 am Presented by: Heather Hilleshiem, Financial Advisor, Edward Jones Call Chris at 815-895-3672 to reserve your space.

Money Smart Week Big Read - DeKalb The Money Smart Big Read is a statewide celebration of financial literacy just for kids. Join us for a story time and craft that will feature the statewide Big Read book, Little Critter: Just Saving My Money, by Mercer Mayer. Gavin Wilson from Country Financial will read stories and bring along his puppet friend to help! Following the story time, the children can enjoy a fun

money craft to take home, along with a bookmark. The first 15 children to arrive at the event will receive a free copy of the book! This FREE event is open to children of all ages and no registration is needed to attend! Location: Story and Activity Room at the DeKalb Public Library, 309 Oak Street, DeKalb Time: 10:00 am – 11:00 am Presented by: Country Financial & Gavin Wilson For more information, contact Theresa at theresaw@dkpl.org or (815) 756-9568 ext. 3350

Earth Smart, Money Smart

Helping save the environment can help save money. Come explore economics and recycling for a better future. During this event, Northern Illinois University economics instructor and Co-Director of NIU’s Center for Economic Education Tammy Batson will read a children’s book that teaches a basic economic concept. After the story, children can participate in activities and an art project based on the book. This FREE event is intended for children in elementary grades. Teachers are also welcome. No registration is needed to attend this program! Location: Children’s Department at the DeKalb Pubic Library, 309 Oak Street, DeKalb Time: 10:30 am – 12:30 pm Presented by: NIU Economics Department & NIU Center for Economic Education For additional information, please contact Theresa at theresaw@dkpl.org or (815) 756-9568 ext. 3350

Money Smart Week Big Read Cortland

The Money Smart Big Read is a statewide celebration of financial literacy just for kids. Join us for a story time and craft that will feature the statewide Big Read book, Little Critter: Just Saving My Money, by Mercer Mayer. The first 20 children to arrive at the event will receive a free copy of the book! This FREE event is open to children of all ages and no registration is needed to attend! Location: Cortland Public Library, 63 East Somonauk Road, Cortland Time: 1:30 pm Presented by: County Financial & Dawn McAllister For more information, contact the Cortland Library at 815.756.7274

• Wednesday, April 18, 2018

take control of their finances by providing money-saving tips, consumer advice, hot deals and economic news to help everyone achieve financial freedom. WLBK Radio FM 98.9/AM 1360 Time: 4:06pm

MONEY SMART| Daily Chronicle / Daily-Chronicle.com

Money Smart Week Scavenger Hunt

Daily Chronicle / Daily-Chronicle.com • Wednesday, April 18, 2018

| MONEY SMART

6 Money Smart Week Scavenger Hunt

Geocache for College Cash

SUNDAY, APRIL 22 Money Smart Week Scavenger Hunt

Geocache for College Cash

personal finance info every student should know. Prizes include chance to win s scholarship, as well as gift cards and swag. Location: Kishwaukee College, Malta IL Presented by: Money Smart Week Chicago Meaghan Cassinelli, mcassinelli@kish.edu

MONDAY, APRIL 23 How to Be Financially Fit

Many of us vow to take better care of ourselves in the personal finance department each year. In How to Be Financially Fit, Luke Pelger from Greenpath will share the basics of financial fitness and provide you with the foundation you will need for a sound financial start! Location: Goodwill 1037 S Annie Glidden Rd, DeKalb Time: 10:00 am Presented by: Greenpath Financial Wellness & Goodwill This session is a private event for Goodwill employees.

Teens and Money

The DeKalb County Youth Service Bureau will host a Money Smart week event to help teens be smarter with money! Location: DeKalb County Youth Service Bureau (YSB), 330 Grove Street, DeKalb Time: 4:00 pm

The Essentials of Estate Planning

Estate planning is essential to everyone’s lifelong plan, it is not just for the wealthy. It involves not only passing on assets such as real estate, personal property, and financial assets, but also planning for others to make decisions for you, should you become incapacitated or die. A wellthought out estate plan can help you provide for loved ones while managing

Meeting and study rooms 309 Oak Street, DeKalb

dkpl.org

(815) 756-9568

reference@dkpl.org

taxes and 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 advisor and separate entity from LPL Financial. Location: Yusunas Meeting Room, DeKalb Public Library 309 Oak St, DeKalb, IL Time: 6:00 pm to 8:00 pm Presented by: Walsh & Associates RSVP is requested. Please call 941-9521188 or email Kelly.Holleran@lpl.com

Money Smart Week Scavenger Hunt

Geocache for College Cash

7 Stop by and learn from members of First National Bank about the importance of your credit score, how to understand the ins and outs of credit, as well as how to protect and build your credit in a positive way. Presented by Robert Heck and Ric Zydorowicz, First National Bank Location: NIU Campus, various locations Presented by: First National Bank Time: 11:00 am – 1:00 pm For more information, contact Jack King at jackking@niu.edu

WLBK ~ The Dave Ramsey Show

How to Be Financially Fit

Many of us vow to take better care of ourselves in the personal finance department each year. In How to Be Financially Fit, Luke Pelger from Greenpath will share the basics of financial fitness and provide you with the foundation you will need for a sound financial start! This session is free, and open to the public. Location: Goodwill Resource Room, Goodwill, 1037 S Annie Glidden Rd, DeKalb Time: 2:00 pm Presented by: GreenPath Financial Wellness & Goodwill For more information, contact Dana at danam@goodwillni.org

WLBK ~ The Dave Ramsey Show

Teens will participate in an interactive game that will get them thinking about real world costs of preparing for life after high school. Location: DeKalb Youth Service Bureau, 330 Grove St., DeKalb Time: 4:00-6:00 pm Free to ages 12-18 yrs. and pizza will be provided. Register by calling 815-748-2010.

WLBK ~ The Clark Howard Show

“Save more and spend less” is more than just a motto for money expert Clark Howard; it’s a way of life. Clark and his crew are on a mission to empower people to take control of their finances by providing moneysaving tips, consumer advice, hot deals and economic news to help everyone achieve financial freedom. WLBK Radio FM 98.9/AM 1360 Time: 4:06pm

WLBK ~ The Clark Howard Show

“Save more and spend less” is more than just a motto for money expert Clark Howard; it’s a way of life. Clark and his crew are on a mission to empower people to take control of their finances by providing moneysaving tips, consumer advice, hot deals and economic news to help everyone achieve financial freedom. WLBK FM 98.9/AM 1360 Time: 5:06pm

WLBK ~ The Clark Howard Show

“Save more and spend less” is more than just a motto for money expert Clark Howard; it’s a way of life. Clark and his crew are on a mission to empower people to take control of their finances by providing moneysaving tips, consumer advice, hot deals and economic news to help everyone achieve financial freedom. WLBK Radio FM 98.9/AM 1360 Time: 6:06pm

The Economic Student Association

The Economic Student Association, led by Dr. Tammy Batson from the Center for Economic Education, will highlight economic concepts in both our world and the virtual world. Consider the changing players, the growing labor market, and how real dollars are buying virtual capital. Individuals are looting to win big and hoping to gain an absolute advantage. Let’s investigate how an E-Sports economy is impacting the real economy. Location: Fatty’s Pub & Grill, DeKalb Time: 7:00 pm -9:00 pm

TUESDAY, APRIL 24 U.S. Tax Reform – How it Could Affect You

Congress recently revised the U.S. Tax Code, affecting millions of Americans. Find out how you and your family fare under the new changes. This information can help you make more informed decisions about your financial strategy and where to go from here. Register for this free workshop to learn more about the important new tax law. No products will be sold at this event. Location: DeKalb County Community Foundation Freight Room, 475 DeKalb Avenue, Sycamore, IL Presented by: Thrivent Financial Time: 10:00 am

Donut Stress about MoneyUnderstanding Credit

First National Bank presents Donut Stress about Money. Have any burning credit questions? Do you just like donuts and want to learn more? Join us in talking about credit and making donut shaped stress balls, and of course, enjoying some donuts! Location: Kishwaukee College, Malta, IL ~ Kishwaukee College Cafeteria, Room C1130 Presented by: First National Bank Time: 11:00 am

Basic Banking

This session will provide a brief overview of banking products and the most essential elements of financial management related to bank products and services. Presented by: Tho Pham and Jeff Taylor, First National Bank Location: Hope Haven, 1145 Rushmoore, DeKalb Time: 10:00 am – 12 noon For more information, contact Lesly Wicks at (815) 758-5765 or ldwicks@yahoo.com

Understanding your Credit Score

Stop by and learn from members of First National Bank about the importance of your credit score, how to understand the ins and outs of credit, as well as how to protect and build your credit in a positive way. Presented by: Robert Heck and Ric Zydorowicz, First National Bank Location: NIU Campus, various locations Time: 11:00 am – 1:00 pm For more information, contact Jack King at jackking@niu.edu

• Wednesday, April 18, 2018

Interactive Money Game

MONEY SMART | Daily Chronicle / Daily-Chronicle.com

Understanding your Credit Score

Daily Chronicle / Daily-Chronicle.com • Wednesday, April 18, 2018

| MONEY SMART

8 Understanding your Credit Score

Stop by and learn from members of First National Bank about the importance of your credit score, how to understand the ins and outs of credit, as well as how to protect and build your credit in a positive way. Presented by: Devyn Grzywa & Erica Huerta, First National Bank Location: Kishwaukee College Student Lounge, Kishwaukee College, Malta, IL Time: 11:00 am – 1:00 pm For more information, contact Meaghan Cassinelli, mcassinelli@kish.edu

Money Smart Week ~ Roadmap to Financial Success Membership Luncheon

Join us for an information lunch session entitled: Money Smart Week ~ Roadmap to Financial Success. This membership luncheon will be presented by Armando Alfaro from Greenpath Financial Wellness. We invite you to join us and learn how to live a life free of financial worry as well as learning steps to improve budgeting, credit and money management. The presentation is free, but lunch is $10 for Genoa Chamber Members and $15 for Non Members. Location: Genoa Public Library Community Room. 240 W. Main St., Genoa, IL 60135 Presented by: The Genoa Chamber of Commerce & Greenpath Time: 11:30 am - 1:00 pm Event Registration Link: https:// genoaareachamber.chambermaster.com/ eventregistration/register/146

Finding the Calm in Estate Planning: Values Based Estate Planning

This is a private session for Professional Advisors. In this session, professional advisors will learn about value-based estate planning and matching their client’s lifetime charitable habits with their estate planning. Location: DeKalb County Farm Bureau, 1350 W. Prairie Dr., Sycamore Time: 11:45 am – 1:00 pm (Private Event) Presented by: DeKalb County Estate Planning Council, Northwestern MedicineKishHealth Foundation, DeKalb County Farm Bureau Foundation, Kishwaukee College, the NIU foundation and the DeKalb County Community Foundation Professional Advisors RSVP by 4/20 to the DeKalb County Community Foundation at 815.748.5383 or to barb@dekalbccf.org

U.S. Tax Reform – How it Could Affect You

Congress recently revised the U.S. Tax Code, affecting millions of Americans. Find out how you and your family fare under the new changes. This information can help you make more informed decisions about your financial strategy and where to go from here. Register for this free workshop to learn more about the important new tax law. No products will be sold at this event. Presented by: Thrivent Financial United Neighborhood Center, 105 Navajo Avenue, Shabbona, IL Time: 1:00 pm

WLBK ~ The Dave Ramsey Show

Medicare Made Clear

At LifeSmart Senior Services, we make sure our advocates and experts are constantly up-to-date regarding Medicare news and health insurance trends. In this session, we will share some of the latest news you can use to keep current with developments related to Medicare, helping you make better and informed choices. Presented by: Carol Cherry, LifeSmart Senior Services Location: Oak Crest, 2944 Greenwood Acres Drive, DeKalb Time: 3:00 pm Please RSVP to JoAnn at 815-756-8461 if you plan to attend.

U.S. Tax Reform – How it Could Affect You

Congress recently revised the U.S. Tax Code, affecting millions of Americans. Find

out how you and your family fare under the new changes. This information can help you make more informed decisions about your financial strategy and where to go from here. Register for this free workshop to learn more about the important new tax law. No products will be sold at this event. Presented by: Thrivent Financial Location: DeKalb County Community Foundation Freight Room, 475 DeKalb Avenue, Sycamore, IL Time: 3:00 pm

WLBK ~ The Dave Ramsey Show

Money Smart Week Scavenger Hunt On the hunt for money! Complete these fun tasks in our scavenger hunt and submit your entry to the Kishwaukee College Financial Aid Office to win gift cards and swag! Location: Kishwaukee College (Private Event: For students/faculty/staff only) Presented by: Money Smart Week Chicago Meaghan Cassinelli, mcassinelli@kish.edu

Geocache for College Cash

WLBK ~ The Clark Howard Show

Approaching Retirement on TRS or SURS

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

WLBK ~ The Clark Howard Show

Finding the Calm in Estate Planning: Planned Living

Attendees will learn from featured presenter Michael Geis the importance of basic estate planning, not to be missed elements of an estate plan, lasting ways to benefit the community and a deeper approach to planned living and relationships. This session will review the three life cycles and unique issues that young parents, empty nesters and grandparents should consider in a more in-depth estate planning session. There is no charge to attend, and there will be no solicitation during this event. Location: DeKalb County Farm Bureau, 1350 W. Prairie Dr., Sycamore Time: 7:00 pm – 8:30 pm Presented by: DeKalb County Estate Planning Council, Northwestern MedicineKishHealth Foundation, DeKalb County

Farm Bureau Foundation, Kishwaukee College, the NIU foundation and the DeKalb County Community Foundation RSVP by 4/20 to the DeKalb County Community Foundation at 815.748.5383 or to barb@dekalbccf.org

WEDNESDAY, APRIL 25 Re-entering the Workforce

Join this weekly Wednesday Job club at Illinois WorkNet for tips and tricks to reentering the working world. Location: Illinois WorkNet Center, 650B Peace Road, Suite B, DeKalb Time: 9:00 am – 10:00am Presented by: Illinois WorkNet Center For more information, contact Kristney at 815.901.0177 or Kvaulx@kish.edu

How to Spend your Beans!

Heartland Bank presents “How to Spend your Beans”, an interactive session that helps you build better spending habits through strategy and fun. Come join us for a short game that helps you better understand how to get the best out of your money and win prizes. Location: Kishwaukee College, Malta, IL ~ Kishwaukee College Cafeteria, Room C1131 Presented by: Heartland Bank Time: 11:00 am – 1:00 pm

Understanding your Credit Score

Stop by and learn from members of First National Bank about the importance of your credit score, how to understand the ins and outs of credit, as well as how to protect and build your credit in a positive way. Presented by Robert Heck and Ric Zydorowicz, First National Bank Location: NIU Campus, various locations Presented by First National Bank Time: 11:00 am – 1:00 pm For more information, contact Jack King at jackking@niu.edu

Money Smart Week Scavenger Hunt

• Wednesday, April 18, 2018

Attendees will learn from featured presenter Michael Geis the importance of basic estate planning, not to be missed elements of an estate plan, lasting ways to benefit the community and a deeper approach to planned living and relationships. This session will offer a light overview of estate planning considerations including will planning, power of attorney, personal property, family decisions and leaving a great legacy. There is no charge to attend, and there will be no solicitation during this event. Location: DeKalb County Farm Bureau, 1350 W. Prairie Dr., Sycamore Time: 5:00 pm – 6:30 pm (Light refreshments will be offered from 6:30 – 7:00 pm) Presented by: DeKalb County Estate Planning Council, Northwestern MedicineKishHealth Foundation, DeKalb County Farm Bureau Foundation, Kishwaukee College, the NIU foundation and the DeKalb County Community Foundation RSVP by 4/20 to the DeKalb County Community Foundation at 815.748.5383 or to barb@dekalbccf.org

participants. These strategies may mean more money to you and your family --- If you are anywhere near retirement, now is the perfect time to sign up for this class. Securities Offered through LPL Financial Member FINRA / SIPC. Financial Planning and investment advice offered through Walsh & Associates, a registered investment advisor 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. Location: Yusunas Meeting Room, DeKalb Public Library 309 Oak St, DeKalb, IL 60115 Time: 6:00 pm to 8:00 pm Presented by: Walsh & Associates RSVP is requested. Please call 941-9521188 or email Kelly.Holleran@lpl.com

MONEY SMART | Daily Chronicle / Daily-Chronicle.com

Finding the Calm in Estate Planning: The Business of Minimizing Messes

Daily Chronicle / Daily-Chronicle.com • Wednesday, April 18, 2018

| MONEY SMART

APRIL is Financial Literacy Month!

Join the FUN & FREE Activities Classroom Speakers (K-12 Schools) Business volunteers are available to visit classrooms and schools to talk about financial literacy topics and how students, parents, and teachers can make good financial decisions. Curriculum resources are left with each teacher, to support further topic discussion and classroom engagement.

econillinois.org/money-smart-week/msw-kids

Money Smart Kids Essay Contest (Gr 6-8) Students in grades 6-8 are encouraged to answer a middle school Money Smart Question and to write an essay response. Up to three finalists will be selected from the submitted essays. Essay finalists will be announced at the Money Smart Week Kick-Off Breakfast on April 20. The winning students will receive a surprise visit at their school from a MSW committee member and essay sponsors. Winners may be videotaped reading their winning essays for sharing on social media.

Money Smart High School Essay Scholarship Contest (Gr 9-12) High School students in DeKalb County are encouraged to answer a Money Smart Prompt and to write a two-page essay response. A winning essay will be chosen for 4 schools participating this spring. Participating schools include: • • • •

DeKalb High School http://bit.ly/2FXCNeU Genoa-Kingston High School http://bit.ly/2pdw5Hg Sandwich High School http://bit.ly/2FKfCRS Sycamore High School http://bit.ly/2DuO0y4

Essay finalists will be announced at the Money Smart Week KickOff Breakfast on April 20. Winners may be videotaped reading their winning essays for sharing on social media.

Money Smart Week (MSW) helps consumers to manage personal finances. Programs are fun, free and full of information! Financial Literacy Month offers many ways for schools to get involved Curriculum resources are free & support new financial literacy standards. Student competitions foster critical thinking, problemsolving, and aid preparation for college and workforce readiness. The competitions are great to showcase documentation of meeting Student Learning Objectives!

econillinois.org/money-smart-week

11 GeoCache for College Cash is a contest that operates similar to a scavenger hunt. 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. Location: Kishwaukee College, Malta IL Presented by: Money Smart Week Chicago Meaghan Cassinelli, mcassinelli@kish.edu

WLBK ~ The Dave Ramsey Show

WLBK ~ The Clark Howard Show

“Save more and spend less” is more than just a motto for money expert Clark Howard; it’s a way of life. Clark and his crew are on a mission to empower

The Rules of the Road

A program to provide participants with 10 principles for sound investing and a discussion of how to identify and avoid the most common investment mistakes. Location: Edward Jones Office, 1680 Mediterranean Dr., Suite 105, Sycamore, IL Presented by: Heather Hilleshiem, Financial Advisor, Edward Jones Time: 5:30 pm Call Chris at 815-895-3672 to reserve your space.

Taking Advantage of the New Tax Rules Republican lawmakers passed a sweeping tax overhaul in December, 2017. Several of the most anticipated changes — such as a significant increase in the standard deduction and the curtailing of state and local income tax breaks. Some of the most controversial proposals, like eliminating the medical deduction, were wiped away. In this presentation we’ll discuss the key provisions of the final package and the effect these changes will have on you. Securities Offered through LPL Financial Member FINRA / SIPC. Financial Planning and investment advice offered through Walsh & Associates, a registered investment advisor and separate entity from LPL Financial. Location: Yusunas Meeting Room DeKalb Public Library 309 Oak St, DeKalb, IL Time: 6:00 pm to 8:00 pm Presented by: Walsh & Associates RSVP is requested. Please call 941-9521188 or email Kelly.Holleran@lpl.com

WLBK ~ The Clark Howard Show

Smart Meters – A New Way to Save Money On Your Electric Bill Dr. Kevin Martin, NIU Assistant Professor

in the College of Engineering Technology, will lead a discussion on how you can save money today by using energy saving technologies. Location: Eduardo’s Mexican Restaurant 206 E. Lincoln Highway, DeKalb, IL Time: 6:30-8:30pm Free and open to the public. Food and drinks are available for purchase. Contact Judith Dymond at jdymond@niu. edu or 815-753-4751

THURSDAY, APRIL 26 SCORE Business Startup Workshop Series: Research Your Market

Do you have a small business, but need help figuring out to whom you should be advertising your services? Are you thinking of starting a small business, but not sure where it will thrive? As part of a partnership with SCORE, join us to learn more about how to do your own demographic research using Reference USA. Britta Krabill, Head of Adult Services at DeKalb Public Library, will give an overview of the database and share specific examples of how you can use this rich resource for market research. Reference USA is available to DeKalb Public Library cardholders from any computer with Internet access. It is available to everyone in the DeKalb Public Library computer lab. This program is FREE but has limited attendance and registration is required. Participants must register through website link in the event details. Location: Zimmerman Meeting Room, DeKalb Public Library 309 Oak St, DeKalb, IL Time: 9:30am – 11:00 am Registration Link: https://events.r20. constantcontact.com/register/eventReg?oe idk=a07ef78l2ya81cfa2c4&oseq=&c=&ch For more information, contact Britta at brittak@dkpl.org or (815) 756-9568 ext. 2150

Medicare Made Clear

• Wednesday, April 18, 2018

WLBK ~ The Dave Ramsey Show

people to take control of their finances by providing money-saving tips, consumer advice, hot deals and economic news to help everyone achieve financial freedom. WLBK FM 98.9/AM 1360 Time: 5:06pm

MONEY SMART | Daily Chronicle / Daily-Chronicle.com

Geocache for College Cash

Daily Chronicle / Daily-Chronicle.com • Wednesday, April 18, 2018

| MONEY SMART

12 Time: 10:00 am Please RSVP to Sarah Davis 815-756-8444 if you plan to attend.

practical advice on life and money. WLBK Radio FM 98.9/AM 1360 Time: 2:06pm

Understanding your Credit Score

WLBK ~ The Dave Ramsey Show

Money Smart Week Scavenger Hunt

Geocache for College Cash

WLBK ~ The Dave Ramsey Show

WLBK ~ The Clark Howard Show

Real Estate Appraisal Session

Location: DuSable Hall, NIU University Circle Drive Time: 5:00 pm – 7:00 pm For more information, contact Jack King at jackking@niu.edu

WLBK ~ The Clark Howard Show

Go Green-Recycle, Repurpose, Renew Learn to be eco-friendly with organic and safe alternatives for effectively maintaining your garden. Location: Lloyd Landscaping and Garden Center, 662 Park Ave., Genoa Time: 5:30-7:00 pm Free to the public Call 779-382-0402 to reserve your spot.

Social Security’s Best Kept Secrets

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 that 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 advisor and separate entity from LPL Financial. Location: Yusunas Meeting Room, DeKalb Public Library 309 Oak St, DeKalb, IL Time: 6:00 pm to 8:00 pm Presented by: Walsh & Associates RSVP is requested. Please call 941-9521188 or email Kelly.Holleran@lpl.com

DeKalb School District Family Wellness Fair

Prepare to move and actively participate in a variety of fun games and activities. Local lifestyle businesses and organizations will exhibit and answer questions about your family wellness. Location: DeKalb High School Field House, 501 W Dresser Rd., DeKalb Time: 6:00-8:00pm

WLBK ~ The Clark Howard Show

All the Queen’s Horse MOVIE and Panel Discussion

How could one woman steal $53 million without anyone noticing? As city comptroller of Dixon, IL Rita Crundwell stole public funds across a 20 year span making her the perpetrator of the largest case of municipal fraud in American

SOCIAL SECURITY: YOUR QUESTIONS ANSWERED

Heather Hilleshiem from Edward Jones will discuss how Social Security fits into your retirement income plan, when you should start taking benefits, and tax considerations. Social Security will likely be the foundation of your retirement income. Before you retire, it is important to understand your options regarding Social Security and the impact your decisions have on your retirement. Call 815-895-3672 to reserve your space. Location: Edward Jones Office 1680 Mediterranean Dr., Suite 105, Sycamore, IL Time: 9:00 am Presented by: Heather Hilleshiem, Financial Advisor, Edward Jones Call Chris at 815-895-3672 to reserve your space.

Medicare Made Clear

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 Sales Representative Carol Cherry discusses multiple plans of varying coverage and cost that can benefit your individual needs. This seminar is entirely FREE and open to all, no registration is required. Location: Zimmerman Meeting Room, DeKalb Public Library 309 Oak St, DeKalb, IL

Eating Healthy on a Budget

United Way Smart Money Week Presentation & Lunch ~ come learn how to eat healthy for less from Lisa Brandt, Registered Dietitian, HyVee! The program is free but there is a suggested donation for lunch of $6.00. Location: VAC DeKalb Senior Luncheon Site, 330 Grove Street, DeKalb Time: 11:40 am – 1 pm Call Nancy at 815-758-1678 by Tuesday, April 24 to make a reservation.

WLBK ~ The Dave Ramsey Show

WLBK ~ The Clark Howard Show

SATURDAY, APRIL 28 Sound the Alarm – American Red Cross

The American Red Cross will be installing home fire safety equipment and smoke alarms in local DeKalb neighborhoods. The Kick-off for DeKalb, IL is at 1600 E Lincoln Hwy at 8:30am. To register to volunteer visit https://volunteerconnection.redcross. org/?nd=vms_public_form&form_id=4042 For more information, contact Emily at Emily.Barrile@redcross.org

TUESDAY, MAY 1 Show Me The Money

Would you like to learn more about funding your venture or business through traditional bank funding? Crowdfunding such as Kickstarter or Indiegogo or perhaps an alternative resource? Learn more from a panel of experts as they share insights into each. Free to the public and food will be provided. Location: Kishwaukee College Conference Center 21193 Malta Rd. Malta, IL 60150 RSVP via Eventbrite Questions? Call 815-825-9791

• Wednesday, April 18, 2018

FRIDAY, APRIL 27

Time: 11:00 am – 12 noon For additional information, please contact Samantha at samanthah@dkpl.org or at (815) 756-9568 ext. 1701.

MONEY SMART | Daily Chronicle / Daily-Chronicle.com

history. She used the funds to build one of the national leading quarter horse breeding empires while forcing staffing cuts, police budget slashing and neglect of infrastructure. This movie will investigate her crime, lavish lifestyle and the small town left in her wake. Location: Egyptian Theater, 135 N. Second Street, DeKalb Time: 7:00 pm Presented by: Money Smart Week, the NIU Department of Public Administration & the Egyptian Theater NIU MPA Professors Kurt Thurmaier and Aaron Deslatte from the NIU Masters in Public Administration Department will moderate a discussion following the showing to explore ethical and financial questions raised by the movie’s subject matter.

Daily Chronicle / Daily-Chronicle.com • Wednesday, April 18, 2018

| MONEY SMART

How to save more for retirement after age 50 Whether it’s advice from their parents, a response to television ads urging viewers to save for retirement, or their own financial savvy, many of today’s young professionals recognize the importance of saving for retirement from the moment they receive their first paychecks. But men and women over 50 may not have been so practical, and many such professionals may feel a need to save more as their retirements draw ever closer. Saving for retirement might seem like a no-brainer, but the National Institute on Retirement Security notes that, in 2017, almost 40 million households in the United States had no retirement savings at all. In addition, the Employee Benefit Research Institute found that Americans have a retirement savings deficit of $4.3 trillion, meaning they have $4.3 trillion less in retirement savings than they should. Men and women over 50 who have retirement savings deficits may need to go beyond depositing more money in their retirement accounts in order to live comfortably and pay their bills in retirement. The following are a few simple ways to start saving more for retirement. • Redirect nonessential expenses into savings. Some retirement accounts, such as IRAs, are governed by deposit limits. But others, such as 401(k) retirement plans, have no such limits. Men and women can examine their spending habits in an effort to find areas where they can cut back on nonessential expenses, such as cable television subscriptions and dining out. Any money saved each month can then be redirected into savings and/or retirement accounts. • Reconsider your retirement date. Deciding to work past the age of 65 is another way men and women over 50 can save more for retirement. Many professionals now continue working past the age of 65 for a variety of reasons. Some may suspect they’ll grow bored in retirement, while others may keep working out of financial need. Others may simply love their jobs and want to keep going until their passion runs out. Regardless of the reason, working past the age of 65 allows men and women to keep earning and saving for retirement, while also delaying the first withdrawal from their retirement savings accounts.

BE SMART 73 MILLION ADULTS ARE ABOUT YOUR JUST GETTING BY FINANCIALLY. 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.

EXPE

LOANS

25% report forgoing one or more types of health care in the prior year due to cost.

BIL LS

NSES

MONEY SMART WEEK

• Reconsider your current and future living situation. Housing costs are many people’s most considerable expense, and that won’t necessarily change in retirement. Even men and women who have paid off their mortgages may benefit by moving to a region with lower taxes or staying in the same area but downsizing to a smaller home. Adults who decide to move to more affordable areas or into smaller, less expensive homes can then redirect the money they are saving into interest-bearing retirement or savings accounts. Many people begin saving for retirement the moment they cash their first professional paycheck. But even adults over the age of 50 sometimes feel a need to save more as their retirement dates draw closer, and there are many ways to do just that.

MONEY SMART WEEK EVENTS

PARTNERS

ATTENDEES

APRIL 21–28, 2018 MONEYSMARTWEEK.ORG

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

SAVE THE DATE!

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. ®

ILLINOIS

933 96% 644 84% 16,981 83% APRIL 21-28, 2018

2017

Survey respondents who found value in the MSW Illinois session they attended Survey respondents who learned new information from a MSW Illinois session

Survey respondents likely to apply what was learned

MONEYSMARTWEEK.ORG

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, April 18, 2018

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 â€˘ Wednesday, April 18, 2018

| MONEY SMART

, CRPC,

Please RSVP to

Monday April 23rd

The Essentials of Estate Planning

941-952-1188 or

Tuesday April 24th

Approaching Retirement on TRS or SURS*

Kelly.Holleran@lpl.com

Wednesday April 25th Taking Advantage of the New Tax Rules Social Securityâ€™s Best Kept Secrets Thursday April 26th

All courses 1.5 to 2 hours, starting at 6:00 p.m. at the DeKalb Public Library, 309 Oak St. DeKalb, IL Securities offered through LPL Financial Member FINRA/SIPC. Financial Planning and investment advice offered through Walsh & Associates, a registered investment advisor 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 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.