October 2, 2010 Madison	Money Smart Women
October 2, 2010 Manitowoc	Home Buyer Education Workshop Lakeshore Community Action Program, Inc. serving Door, Calumet, Kewaunee, Manitowoc, and Sheboygan counties are again offering Home Buyer Education. The workshop offers practical tools, consumer information and includes handouts for each participant about the home buying process. A certified housing counselor facilitates the workshop. Registration is limited so sign up early to reserve a place. Lunch and snacks are provided. To register for the workshop, please call 1-800-924-0510 Participants who 1) meet the income guidelines, 2) complete the workshop, 3) show a willingness to partner with Lakeshore CAP in the home buying process 4) do not presently own a home and 5) are able to obtain permanent mortgage financing: May qualify for money to help with down payment, closing costs, and rehabilitation in the form of low or no interest loans. Lakeshore Community Action Program, Inc. is an Equal Housing Opportunity Agency.
October 2, 2010 Wausau	Wausau Money Conference The Conference is a nonprofit event; there is no pressure to buy anything or to open any financial accounts, just an opportunity to learn about personal finance. We are offering over 30 one-hour classroom sessions throughout the day from retirement planning to frugal menu planning, with age-appropriate sessions for children between the ages of 6 and 18, and free childcare for children between 2 and 5 (advance registration for childcare essential). Three classroom sessions will be conducted in Spanish and three in Hmong. Every participant may receive a free copy of his or her credit report, complete with three-digit credit score. There is a $3.00 early-bird admission charge (free for kids), which also includes continental breakfast and lunch, and door prizes throughout the day.   Scholarships are also available; please call Asset Builders at 608 663 6332 for more information.
October 2-1, 2010 Saukville	Ozaukee County Money Smart Week Kick Off Event Come join us to Kick Off the first Money Smart Week WI campaign in Ozaukee County! Activities include a document shredding truck for your confidential documents (limit 10 boxes per household), photo opportunities with Ben Franklin (bring your camera), session topics on identity theft, Roth IRAs and College Savings Plans, and child fingerprinting identity kits.
October 2, 2010 Fond du Lac	Shred Fest Bring your outdated financial records for destruction to the "Shred Fest."  A shredding truck will be on site to destroy these records immediately. There will be a maximum of 3 boxes accepted per person.
October 2, 2010 Saukville	Shred Fest A document shredding truck will be available for Ozaukee County residents during the Money Smart Week WI Kick Off!  Come to the parking lot of the Saukville Police Department to discard unwanted and outdated confidential financial documents.  Please bring 10 boxes or less per household to be shredded.
October 2, 2010 Saukville	What You Need to Know About Roth IRAs and College Savings Plans Learn the importance of investing in IRAs to meet retirement goals and more on popular college savings plans known as the 529.
October 2, 2010 Oshkosh	The Big Read-Oshkosh Public Library Learning to $ave is Fun at the Big Read!  Kids will receive a free copy of the phenomenally popular Little Critter book Just Saving My Money.  Parents, you can sign up children 8 and younger for this event, which includes a story time, songs and other fun activities.  Be one of the first to call or register online as copies of the book are limited.  Register now at www.apl.org/bigread/ or call 920-832-6173.
October 2, 2010 Neenah	The Big Read-Neenah Learning to $ave is Fun at the Big Read!  Kids will receive a free copy of the phenomenally popular Little Critter book Just Saving My Money.  Parents, you can sign up children 8 and younger for this event, which includes a story time, songs and other fun acitivities.  Be one of the first to call or register online as copies of the book are limited.  Register now at www.apl.org/bigread/ or call 920-832-6173.
October 2, 2010 Menasha	The Big Read-Menasha Learning to $ave is Fun at the Big Read !  Kids will receive a free copy of the phenomenally popular Little Critter book Just Saving My Money.  Parents, can sign up children 8 and younger for this event, which includes a story time, songs, and other fun activities.  Be one of the first to call or register online as copies of the book are limited.  Register now at www.apl.org/bigread/ or 920-832-6173.
October 2, 2010 Winneconne	The Big Read -Winneconne Learning to $ave is Fun at the Big Read!  Kids will receive a free copy of the phenomenally popular Little Critter book Just Saving My Money.  Parents, you can sign up children 8 and younger for this event, which includes a story time, songs and other fun activities.  Be one of the first to call or register online as copies of the book are limited.  Register now at www.apl.org/bigread/ or 920-832-6173.
October 2, 2010 Oshkosh	The Big Read-Apple Blossom Books Learning to $ave is Fun at the Big Read!  Kids will receive a free copy of the phenomenally popular Little Critter book Just Saving My Money.  Parents, you can sign up children 8 and younger for this event, which includes a story time, songs, and other fun activities.  Be one of the first to call or register online as copies of the book are limited.  Register now at www.apl.org/bigread/ or call 920-832-6173.
October 2, 2010 Manitowoc	Teens: So, You want to be Rich?    "Every day, our youth are bombarded with a million different voices - everything from billboards to internet ads - telling them who they are and measuring their worth by what they have. The pressure to be accepted in today's "stuff-centered" world drives them, and perhaps even their parents, to throw money away on things that don't matter - all in an attempt to 'be somebody." Dave Ramsey   "Teens: So you want to be rich?" is designed to help teens be the masters of their money, and never live their lives as slaves to their debt!  This class is founded on the belief that no one should ever feel forced to work their lives away paycheck to paycheck!
October 2, 2010 Fond du Lac	The Big Read: Fond du Lac Learn to Save at the Big Read! Kids will receive a free copy of the phenomenally popular Little Critter book "Just Saving My Money." Parents can sign up children 8yrs  and younger for this event, which includes a story time, songs and other fun activities.
October 2, 2010 Brandon	The Big Read: Brandon Learn to Save at the Big Read! Kids will receive a free copy of the phenomenally popular Little Critter book "Just Saving My Money." Parents can sign up children 8yrs  and younger for this event, which includes a story time, songs and other fun activities.
October 2, 2010 Campbellsport	The Big Read: Campbellsport Learn to Save at the Big Read! Kids will receive a free copy of the phenomenally popular Little Critter book "Just Saving My Money." Parents can sign up children 8yrs  and younger for this event, which includes a story time, songs and other fun activities.
October 2, 2010 Ripon	The Big Read: Ripon Learn to Save at the Big Read! Kids will receive a free copy of the phenomenally popular Little Critter book "Just Saving My Money." Parents can sign up children 8yrs  and younger for this event, which includes a story time, songs and other fun activities.
October 2, 2010 Fond du Lac	How to Raise a MoneySmart Child Giving your children or grandchildren a primer on money-management skills can have a positive effect their entire lives.  Invest your time today to benefit your family's future.  During this seminar, you'll learn how to start teaching your child or grandchild about financial goal-setting, self-discipline and the basics of making wise money choices.
October 2, 2010 Menomonie	Back to Basics - Bankiong 101 *   Questions to ask and what to bring when opening an account *   Types of deposit accounts that will fit your needs *   Why you should balance your checking account *   What is a debit card and is it safe to use *   How to apply for a loan and types of loans available today *   What if you don't have any credit or have bad credit - can you still get a loan? *   Is internet banking safe? Mark Kalscheur, 21 years of banking experience, will lead the discussion to help you feel more comfortable working with your bank and utilizing all available services.
October 2, 2010 Menomonie	Are You Ready To Buy A Home Today? "Mortgage rates are low and it's a buyer's market"! You hear this in all the media sources today. Are you ready to make the commitment to either become a first time homeowner or upgrade/downgrade your existing home? Whether you are a first time or experienced home buyer, the process has changed drastically over the last 12 months.  Review the steps to home ownership by learning what to expect from the mortgage process, from becoming pre-approved to closing on your home.  Maria Beffa who has 15 years of mortgage experience will lead you through the home buying maze.
October 2, 2010 Fond du Lac	Money Saving Ideas from the Country Doctor Ideas on how to save money on your health-care bills through preventative medicine and simple approaches to take care of ourselves more naturally.  How can we look at the lines in our faces, the spots on your fingernails and the furrows in our tongue to give us an indication of what we need to support and address in our bodies.  Other ideas shared: the color of your eyes and what it tells us, and a short history of natural medicine.
October 2, 2010 Fond du Lac	Family Moolah Day Kick Off Drop in for a full day of fun for the whole family, with a Money Smart Treasure Hunt, play bingo, visit Winnie the  Fox, earn prizes and enjoy treats.  For all ages. 10:00 am   The Big Read 11:00 am  Moolah Quiz Awards Noon:  Penny the Pig 1:00 pm - 2:00 pm  Dollar and Cents Trivia Wheel                                     Moolah Bingo                                     Meet Ben Franklin
October 2, 2010 Saukville	Identity Theft Learn how to protect your finances and identity. You’ll learn what to do if you become the victim of identity theft. We will also cover how to obtain a free copy of your credit report.
October 2, 2010 Milwaukee	Lunch & Learn - Steps to Homeownership Seminar
October 2, 2010 Fond du Lac	Penny the Pig If you're looking for ways to teach your children about spending and saving money, you should attend this session.  Start the discussion about spending, saving, investing and donating.  Children ages 3 - 10 attending with a parent/guardian will receive a Penny the Pig bank.
October 2, 2010 Campbellsport	How To Raise a Money Smart Child Giving your children or grandchildren a primer on money-management skills can have a positive effect their entire lives.  Invest your time today to benefit your family's future.  During this seminar, you'll learn how to start teaching your child or grandchild about financial goal-setting, self-discipline and the basics of making wise money choices.
October 2, 2010 Menomonie	Budgeting: Learn How to Balance your Budget to Meet Your Family's Needs: We will complete a mock budget, learning about being prepared for periodic expenses while being sure that your monthly fixed expenses and your debt are being paid in a timely manner.
October 3, 2010 Milwaukee	Lunch & Learn - Seminar
October 4, 2010 Slinger	Managing During Tough Times Have you been hit hard by a job loss, medical expenses, or problems with your mortgage? Find out strategies to deal with your creditors. Learn about the services available in your community that can help you get through this difficult time.
October 4, 2010 Manitowoc	The ABC's of Saving Money & Kid's Guide to Making Money Grow Teach children the basics of making & saving money by following along from A-Z in the booklet  "The ABC's of Saving Money".  Children will also learn important banking words & concepts, such as deposit, interest, & withdrawal, as well as the value of smart saving & spending. Older children will enjoy the booklet "Kid's Guide to Making Money Grow" .  This booklet provides interesting facts about early types of money, current forms of money, concepts of saving, how to create a budget, & lots more. Activity books are free to children that stop in at the Manitowoc Branch of M&I Bank during Money Smart Week.
October 4, 2010 Milwaukee	How to Stop Living Paycheck to Paycheck-Understanding Your Credit
October 4, 2010 Green Bay	Homebuyer Education Class #1 Part 1 of a 2 part series. Earn your Homebuyer Education Certificate that qualifies you for potential Down Payment/Closing Cost Assistance and special loan programs. The following topics will be covered in class 1: money management and budgeting skills, building and maintaining a good credit rating, and the pros and cons of home ownership.
October 4-8, 2010 Madison	Get Up To Date With Your Credit Report You can get your free credit report from many online sources, BUT they don't include your credit score unless you pay a fee. During Money Smart Week, Dane County Credit Union will give you your fee credit score along with a credit report review.   Free credit report Free credit score One-on-one credit report review   Call for your appointment at 256-5665. Appointments are available October 4-8, from 9 am to 6 pm.
October 4-8, 2010 Oshkosh	Money Smart Week book displays   Special book displays of library books for you to check out.
October 4, 2010 Oshkosh	Is This House a Good Deal? Home Inspections The purchase of a home will be the largest investment you will make.  Typically that comes without a warranty or guarantee.  How do you determine the age/condition of the roof, furnace, electrical system or other major mechanicals of the property?  What other issues should you consider or look for when choosing a home that is best suited for you.  Getting all the facts and pertinent information on a home before you purchase is one of the smartest things you can do.  Kent Schwanke from Second Look Inspection Services will explain why the inspection is so important.
October 4, 2010 Oshkosh	The Economic Outlook What does it look like for Seniors?  Learn about the current economic outlook, specifically investments and the stock market.  The workshop will be taught by Kim Molitor, Reinhart Partners, Inc.
October 4, 2010 Beaver Dam	Saving, Spending and Sharing At a young age, children learn that it takes money to buy what they want. We’ll read Sheep in a Shop at this preschool story time, as well as introduce parents to the basic principles of money every child should know.  Each child will make a picture frame gift.
October 4, 2010 Beaver Dam	Cooking for One Cooking for one might seem like a lot of work. However, with a few strategies you can make homemade meals quickly, more nutritiously and economically. Join us for some comparison shopping and a cooking demonstration.
October 4, 2010 Oshkosh	How to Write a Winning Resume Ted Balser will give you tips on what to include, what styles to consider, how to write or update an existing resume.  Strategies to match your resume to the job you are seeking.  Leave the program with ideas for your winning resume!
October 4, 2010 Slinger	Storytime with the Berenstein Bears Read a storybook "Berenstein Bears" about saving money. Participate in craft projects geared for elementary and preschool children.
October 4, 2010 Port Washington	Advanced Funeral Planning Thinking about your own funeral leaves most people feeling a little uneasy, but more adults are finding that preplanning a funeral offers great emotional and even financial security for them and their families. With preplanning, families find comfort in knowing that the funeral reflects what their loved one wanted. It also gives them peace of mind to not have to make important decisions at a stressful time. This presentation will walk you through the steps to pre-planning something meaningful and memorable whether it is a traditional funeral service, memorial service or a direct cremation.
October 4, 2010 Fond du Lac	Understanding Wills, Trusts and Powers of Attorney Philip Shepherd is an attorney specializing in estate planning. If you have ever wondered why, or if you need a will, this presentation is for you. He will explain the reasons and realities behind the documents. He will discuss wills, trusts and financial and health care powers of attorney. He also will look at how these documents and others can help avoid court proceedings such as probate and guardianships. There will be plenty of time for discussion and questions.
October 4, 2010 Fond du Lac	Long-term Care and Health Care Reform The session will cover preparing yourself for the unexpected and long-term health care issues and how the changes in Health Care Reform will affect consumers. You'll learn if long-term care is the right fit for you.
October 4, 2010 Ripon	How to Raise a Money Smart Child This seminar will provide great tools and techniques for talking with children and grandchildren about money.
October 4, 2010 Menomonie	When I'm 65 Finding your way through the maze of healthcare options at 65. *   Traditional Medicare Supplements vs. Medicare Advantage *   Part D Drug Programs vs. Wisconsin Senior Care *   Long Term Care Planning with or without Insurance
October 4, 2010 Shawano	Probate and Nursing Home Planning What is probate and when do you need it? Do you need a trust to avoid probate? Find out ways to plan for medical costs and long-term care for long stays in a nursing home. Presenter is Robert Geimer, Attorney at Law.
October 4, 2010 Slinger	Conservative Investing in Today's Market Learn how to invest conservatively in today's volatile market.
October 4, 2010 Oshkosh	Effective Job Interviewing Skills Ted Balser will teach you how to prepare yourself for a job interview.  Learn questions to prepare for and ways to respond, questions you should ask, how to sell yourself and other excellent tips.  Be ready for the next job interview and feel calmer about your performance.
October 4, 2010 Manitowoc	Last Expense Planning "Last Expense Planning" will discuss general issues related to funeral planning, including various prefunding options.  Use of a last expense life insurance policy in combination with an irrevocable trust will be explained, and then compared to other traditional methods of preplanning funerals.  Information & reference materials will be available to attendees of this seminar.  Each person present will have an equal chance to win a Money Smart "door prize" just for attending this event.
October 4, 2010 Oshkosh	The Ins and Outs of Buying Your First Home Mortgage rates are low and it’s a buyer’s market. If you’ve heard this before and are thinking it’s the right time to buy your first home, this session will help you start the process. Joe Leadley will teach you what to expect from the mortgage process and what banks are looking for right now to qualify you for you first home. By the end of the session, you should feel more comfortable starting your mortgage process and looking for the home of your dreams!
October 4, 2010 Ripon	Making Sense of Retirement This seminar will help participants make informed decisions about retirement. They will gain a better understanding of the five-step planning process, analyze their current pre-retirement situation and understand the importance of consulting a professional to help them prepare for retirement.
October 4, 2010 Fond du Lac	Outlook and Opportunities: Tackling Tough Questions This seminar will share strategies for managing current investment risks while still working to address your long-term needs. Discussion will cover the questions: What if interest rates go up? What if the deficit gets worse? How will health-care legislation impact me?
October 4, 2010 Lac du Flambeau	Money Smart Kickoff Home buying resources and education
October 4, 2010 Ripon	Understanding Wills, Trusts and Powers of Attorney Philip Shepherd is an attorney specializing in estate planning. If you have ever wondered why, or if you need a will, this presentation is for you. He will explain the reasons and realities behind the documents. He will discuss wills, trusts and financial and health care powers of attorney. He also will look at how these documents and others can help avoid court proceedings such as probate and guardianships. There will be plenty of time for discussion and questions.
October 4, 2010 Fond du Lac	Investing and Estate Planning This session will cover the basics of investing and estate planning.
October 4, 2010 Campbellsport	Long-term Care and Health Care Reform The session will cover preparing yourself for the unexpected and long-term health care issues and how the changes in Health Care Reform will affect consumers. You'll learn if long-term care is the right fit for you.
October 4, 2010 Oshkosh	Purchasing a Foreclosure - Know the Concepts of Home Purchasing Within this brief overview, Pete Schroeder, a licensed agent, will define homes that are For Sale By Owner (FSBO), pre-foreclosure Short Sales, buying a home at a Sheriff's Sale, and homes for sale after the bank has taken them back by foreclosure.  We will have plenty of time to define these and help you understand not only the concepts but also the mechanics of how these procedures work.  Bring your lunch
October 4, 2010 Oshkosh	Home Staging-Preparing a Home to Sell Are you thinking about selling your home? Have you had your home listed, but can’t seem to get any offers? Carol Bricco will teach you how make your home more attractive to buyers. It will also give you ideas of important upgrades for your home that buyers are looking for. You will leave with staging ideas and information on what you should start with to prepare your home for sale.
October 4, 2010 Port Washington	Buying vs. Leasing a Car Are you in the market to purchase a new car or truck?  If you can't decide whether buying or leasing is best for you, attend this workshop which will explain the basics of both buying and leasing.  Arm yourself with the information needed to make an informed decision.
October 4, 2010 Manitowoc	Using Fixed Annuities for Retirement "Using Fixed Annuities in Retirement" will explain what an annuity is, explore the various ways that annuities are used in planning for retirement, and detail several ways they can provide income to individuals, once retired.  This seminar will also discuss way annuities can be used in estate planning and other related topics.  Information and reference materials will be available to attendees of this seminar. Each person present will have an equal chance to win a Money Smart "door prize" just for attending this event.
October 4, 2010 Oshkosh	Organizing Records: What To Keep and What to Throw Taking the time to organize financial and legal papers can help reduce stress during periods of emotional distress or grief.  Not every record needs to be kept in a safe deposit box; not every documents needs to be kept forever.  Chris Kniep will show you that keeping records current and sharing the information with family members helps during times of change.
October 4, 2010 Slinger	Living on a Fixed Income Do your medical expenses, groceries, and credit card minimums keep going up, but your income stays the same? Find out how to deal with the credit card companies. Discover how to stop the phone calls from the collection agencies. Learn how to save on your monthly expenses.
October 4, 2010 Fond du Lac	Estate Planning Basics for Everyone What is estate planning? Who needs it? Why is it important? What does it do? What are the documents that everyone should have? Can estate planning save taxes? Learn the answers to these and other questions about estate planning.
October 4-1, 2010 Fond du Lac	Being Prepared A detailed discussion of funeral planning, touching on the emotional and financial ramifications. Also to include medical assistance preplanning strategies and basic estate planning initiatives.
October 4, 2010 Oakfield	Understanding Wills, Trusts and Powers of Attorney Philip Shepherd is an attorney specializing in estate planning. If you have ever wondered why, or if you need a will, this presentation is for you. He will explain the reasons and realities behind the documents. He will discuss wills, trusts and financial and health care powers of attorney. He also will look at how these documents and others can help avoid court proceedings such as probate and guardianships. There will be plenty of time for discussion and questions.
October 4, 2010 Slinger	Income Solutions for Your Retirement Years Explore and discuss the pros and cons of various income instruments in today's market place. These include money market accounts, ceritifcates of deposit, bonds, stock, annuities, and more.
October 4, 2010 Port Washington	Interview Smart Creating a Positive First Impression AND Interview Tips for the "Perfect Interview" which Lands the Job.
October 4, 2010 Oshkosh	Your Credit Report: The Good, the Bad and the Ugly Mary Hall will explain how to read your credit report and the impact a credit report can have on getting a loan or a job.
October 4-1, 2010 Brandon	Making Sense of Retirement This seminar will help participants make informed decisions about retirement. They will gain a better understanding of the five-step planning process, analyze their current pre-retirement situation and understand the importance of consulting a professional to help them prepare for retirement.
October 4, 2010 Shawano	Energy Assistance and Energy/Water Conservation Staff from Shawano County Department of Social Services will review the elements of the Wisconsin Home Energy Program. Why types of heating, electric and crisis assistance programs are available, eligibility guidelines and how to apply. Staff from Shawano Municiapl Utilities will provide information on their Community Benefit Program and provide tips on what home owners and renters can do to save money on their electric and water bills.
October 4, 2010 Oshkosh	Need Help Starting Your Own Business? Are you thinking it may be time to start your own business? Do you currently own a business and want to refinance your loan? Does your business need more money to grow? If you’ve said yes to any of these questions, you will benefit from this session. Tim Hoff will inform you of current lending products available to you and your business. You will also learn about the Small Business Administration and how it can help your business.
October 4, 2010 Slinger	Organize Your Financial Records Determine what documents to keep, the cost of not getting organized, and how long to keep what records. Also, explore the value of a Financial Notebook and hot it can provide peace of mind for you and your family.
October 4, 2010 Port Washington	Job Search Workshop Learn how to find jobs in any kind of market, develop a personalized network for your search and locate job openings before they reach the general public.
October 4, 2010 Port Washington	Banking 101 Seminar In this seminar aimed at middle school youth (5th - 8th grades), you will learn about major types of insured financial institutions, jobs within banks, basic banking terms, differences between banks and check-cashing services, bank employees and their jobs, types of accounts, and banking services.  The seminar includes a pre-survey to test the participants knowledge prior to the presentation.  Parents are welcome to participate.
October 4, 2010 Shawano	'Money Week' Story Time - Books with Betsy Books with Betsy - Join us for some after school - before supper stories, activities, a project and lots of fun! All children are invited to attend with a parent or caregiver.
October 4, 2010 Slinger	When I'm 65 This is an informational presentation regarding Medicare insurance, Medicare Advantage plans, Medicare Part D, and Social Security. If you are reaching Medicare age or are wondering about changes in medicare, this presentation is for you.
October 4, 2010 Oshkosh	Designing Your Business Plan, Start Today! Have you thought about starting your own business? Do you currently own a business but may be making some big changes? If you’re looking for a loan for either of these scenarios, the bank will want to see a Business Plan. Travis Zielinski will help you understand what should be in a business plan and why it’s important. This session will also provide you with the tools to start working on your business plan right away, including a CD of software.
October 4, 2010 Sheboygan	Costs: The Dark Side of Investing If your car was leaking oil; how would you tell? There would be an oil spot in your garage, right? But how do you tell if your investment portfolio is leaking? That is a little harder to recognize. This session will go through how to locate the costly hidden costs of your portfolio and what you can do to reduce or eliminate them.
October 4, 2010 Sheboygan	The Economy and the Market: What the Media Missed Get the real story behind the headlines in the eye-opening seminar about the current state and future prospects of the U.S. economy and stock market.
October 4, 2010 Brandon	Understanding Wills, Trusts and Powers of Attorney Philip Shepherd is an attorney specializing in estate planning. If you have ever wondered why, or if you need a will, this presentation is for you. He will explain the reasons and realities behind the documents. He will discuss wills, trusts and financial and health care powers of attorney. He also will look at how these documents and others can help avoid court proceedings such as probate and guardianships. There will be plenty of time for discussion and questions.
October 4, 2010 Menomonie	Shred Fest Keeping your personal information out of the garbage is so important in order to prevent yourself from being a victim of identity theft.  Come and bring your documents to be shredded.  Shredding will be done on site !!
October 4, 2010 Fond du Lac	Lessons I Have Learned to be a Successful Investor Discussion of the fundamentals of investment that Kemp has employed as his own financial manager. These investment principles have enabled Kemp to build and maintain a successful financial portfolio into his retirement years.
October 4, 2010 Sheboygan	Myths and Truths of Investing Has your investment experience over the past decade left you feeling confused, anxious or disappointed-even if you followed all f the expert advice? Discover the widely held myths of investing and the opposing truths to achieve investing peace of mind.
October 4, 2010 Sheboygan	Estate Planning Essentials The most important estate planning issues facing families and individuals, will be thoroughly addressed in layman terms.
October 4, 2010 Sheboygan	Employment Transitions and Your 401K This workshop focuses on helping people experiencing an employment transition, to develop a plan to keep their financial house in order, acquire the proper insurance and options for their 401K plan.
October 4, 2010 Oshkosh	50 More Ways to Save in 50 Minutes Mary Hall presents a workshop that will reveal ways to save in specific areas like groceries, clothes, entertainment, cars and more!
October 4, 2010 Manitowoc	401k's, IRA's & Other Retirment Accounts; What you need to know before you Roll "401k's, IRA's & other Retirement Accounts; what you need to know before you Roll" will discuss the basics of the most pertinent issues related to the moving of retirement accounts.  The most common types of retirement accounts will be briefly defined & explained.  Afterward, discussion will follow about several ways that individuals can move their retirement assets, along with ways to avoid potential pitfalls that could occur in the process.  Information & reference materials will be available to attendees of this seminar.  Each person present will have an equal chance to win a Money Smart  "door prize" just for attending this event.
October 4, 2010 Green Bay	Money Smart Week Green Bay Kick-off Celebrate the kick-off of Money Smart Week with speakers and an educational session.
October 4, 2010 Manitowoc	Paying for LTC Would an extra bill of $50,000 to $90,000 a year be a problem in your retirement? Would an extra bill of $50,000 to $90,000 a year be a problem in your retirement?  Learn ways to pay for care in the absense of insurance and avoid impoverishment of Medicaid.  LTC insurance will also be discussed
October 4, 2010 Clear Lake	Retirement Planning for You! Financial advisor Ron Gloe will lead participants through the process of planning for retirement.
October 4, 2010 Winneconne	Focus On Retirement Planning Tyler Krombholz discuss important steps you can take to help you reach your retirement goals.  We will discuss calculating the cost of retirement and the effects of inflation on your spending power.  We will also discuss retirement income sources, protecting your nest egg, and important investment strategies for retirement.
October 4, 2010 Sheboygan	Probate, Trusts and Securing My Assets Do I need a trust to avoid Probate? How can I transfer my home and retain my rights? How do I save my assets for my family? Have an attorney explain it to you!
October 4, 2010 Sheboygan	Money in the 21st Century: 30 Tips in 30 Minutes This fast paced seminar will cover a range of personal financial issues that consumers confront throughout their lives.
October 4, 2010 Sheboygan	Your Power Years Discover how with the proper planning this new chapter of your life can be one of renewal and reinvention, marked by accumulated wisdom, skills and wealth. Retirement is not a time of decline, but the beginning of your ‘Power Years’.
October 4, 2010 Sheboygan	The Road to Reitrement Security This workshop will offer insight to how annuities can guarantee a 5% income increase in value, no matter what happens in the stock market. Is an annuity right for you?
October 4, 2010 Fond du Lac	Plan for the Future Today This presentation will be geared to people who recently have entered the work force or who recently switched jobs/careers. It will focus on how they should handle their money, what is a 401-K, how to use credit wisely and how they can start planning for retirement NOW.
October 4, 2010 Ripon	Long-term Care and Health Care Reform The session will cover preparing yourself for the unexpected and long-term health care issues and how the changes in Health Care Reform will effect consumers. You'll learn if long-term care is the right fit for you.
October 4, 2010 Menomonie	Identity Theft This class will cover a number of current scams that are hitting our area.  We will also go over ways to minimize your risk of falling victim to one of the most time consuming and difficult crimes to correct once you are a victim.  We will also cover tips of what to do once you find out that you are a victim.
October 4, 2010 Oshkosh	Special Event: Author Alice Wood talks about her new book Wealth Watchers Want to hear about ways to manage money or keep out of debt? A new, exciting author, Alice Wood, has published a 2010 book  called  "Wealth Watchers:  A Simple Program to Help You Spend Less and Save More."  Ms. Wood will be traveling from Illinois to speak in Oshkosh.   A national review magazine describes Wood's Wealth Watchers program as an "ingenious" and "highly original, common sense approach to managing money."  Using personal experience, Wood has adapted techniques used in weight management to help people manage their money -- basic finances, insurance, college expenses and more by following her program Wealth Watchers.  The book is easy-to-read and filled with common sense ideas that everyone can try.  Do you know your DDI (daily disposable income calculation)?  Ms. Wood describes how living within one's own DDI can help prevent debt and spur savings. Ms. Wood will sell her books and sign copies following her talk.  Join us for this special event!
October 4, 2010 Manitowoc	Common Sense Strategies for Current Economic Times Speaking topics will include:  Living on a budget.  Living without debt.  Strategies to deal with current debt.  Emergency Savings.  Basics of Credit Reports.
October 4, 2010 Manitowoc	Biweekly Mortgage Payments - A Real Money Saver! "Biweekly Mortgage Payments - A Real Money Saver" will explain what a Biweekly mortgage payment actual is, why it was developed, followed by a brief discussion of the types of biweeklies available locally.  This seminar will explore the various ways that a mortgage can be accelerated using a biweekly payment plan, how retiring our mortgage early may help your retirement plan grow, and how it could boost retirement income once you are retired.  Information and reference materials will be available to attendees of this seminar. Each person present will have an equal chance to win a Money Smart "door prize" just for attending this event.
October 4, 2010 Sheboygan	Finances for Couples There are reasons why money is the #1 cause of arguments! This class will help identify your ‘Money Personality’ and explore the seven steps to gaining financial freedom together.
October 4, 2010 Grafton	Living on Less and Loving It! Learn quick and easy tips to help your family make the most of your dollars!  Find those hidden expenses in your budget, learn smart shopping tips to save money at the grocery store, and discover fun, free family activities.  Parents will learn how to involve the entire family in the process of being practical.
October 4, 2010 Winneconne	Keeping the Farm in the Family Tyler Krombholz helps farming families identify and overcome transition obstacles; protect their assets today and in the future; and develop a plan to smoothly transition their farm and maintain family harmony.
October 4, 2010 Fond du Lac	Estate Planning for Parents of Young Children What happens to your children if you are gone? Why is it important to name a guardian? How can you safeguard your children's inheritance? Who manages their inheritance? Learn the answers as well as what steps parents with young children need to take.
October 4, 2010 Menomonie	Internet Safety Keep your kids safe on the internet This class will cover ways to keep your children safe on the internet with today's day and age of internet predators.  We will look at the current trends in internet predators and the things to watch for so your child does not fall victim to an internet predator.
October 5, 2010 Osceola	Budgeting for Your Family Learn how to save money, understand your paycheck (taxes and other deducations), use credit wisely, and budget your finances.
October 5, 2010 Madison	Mad City Money Mad City Money is a personal finance simulation for students in the the Madison Metropolitan School District .
October 5, 2010 Manitowoc	The ABC's of Saving Money & Kid's Guide to Making Money Grow Teach children the basics of making & saving money by following along from A-Z in the booklet  "The ABC's of Saving Money".  Children will also learn important banking words & concepts, such as deposit, interest, & withdrawal, as well as the value of smart saving & spending. Older children will enjoy the booklet "Kid's Guide to Making Money Grow" .  This booklet provides interesting facts about early types of money, current forms of money, concepts of saving, how to create a budget, & lots more. Activity books are free to children that stop in at the Manitowoc Branch of M&I Bank during Money Smart Week.
October 5, 2010 Fond du Lac	Turning Your Ideas into Income Turning your ideas into a business opportunity can often seem daunting.  However, getting the right start can make the difference between success or failure.  Budding entrepreneurs will discover several beginning concepts, strategies and tools that will get them on the right footing for moving their idea to reality.  Focus will be on proven early steps entrepreneurs can take to achieve their business dreams.  Participants will learn whether they are ready to start a business, options for assembling a business plan, ideas for conducting market research, financing and various useful tools and resources for honing and testing a business idea.
October 5, 2010 Manitowoc	Using Fixed Annuities for Retirement "Using Fixed Annuities in Retirement" will explain what an annuity is, explore the various ways that annuities are used in planning for retirement, and detail several ways they can provide income to individuals, once retired.  This seminar will also discuss way annuities can be used in estate planning and other related topics.  Information and reference materials will be available to attendees of this seminar. Each person present will have an equal chance to win a Money Smart "door prize" just for attending this event.
October 5, 2010 Hartford	Computers on a Shoestring Need to buy a computer but are on a budget? Learn tips on the various features a computer can offer and what you may need.
October 5, 2010 Hartford	The Road to Home Ownership A brief seminar discussing the steps of buying a home. We will start with sources for financing, move through the pre-approval process and what information should be brought for the application, and end with the closing process. We will also discuss the costs associated with owning a home.
October 5, 2010 Germantown	Strategies for Spending Less No matter what your financial situation, there are strategies available to spend less in nearly every expense category of a family budget. For example, the "step-down principle" is a way to make do, not do without. Additional strategies will be shared.
October 5, 2010 Grafton	Advanced Funeral Planning Thinking about your own funeral leaves most people feeling a little uneasy, but more adults are finding that preplanning a funeral offers great emotional and even financial security for them and their families. With preplanning, families find comfort in knowing that the funeral reflects what their loved one wanted. It also gives them peace of mind to not have to make important decisions at a stressful time. This presentation will walk you through the steps to pre-planning something meaningful and memorable whether it is a traditional funeral service, memorial service or a direct cremation.
October 5, 2010 Oshkosh	Understanding Rental Agreements & Evictions Renting is a common way to secure a roof over your head, and yet navigating your way through a lease or rental agreement is often difficult for many people.  If you have struggled in this area you are not alone!  This program will help you learn how to read a lease and how to identify important provisions in a rental agreement through the use of hands on activities.  Additionally, you will learn about proven "best practices," that you can use when moving on.
October 5, 2010 Green Bay	Foreclosure Prevention Presentation Are you having trouble making your mortgage payments? Have you been having problems contacting your lender? NeighborWorks Green Bay, a HUD approved counseling agency, is offering two informational sessions which will address your questions regarding resources and options dealing with loan modifications, loan workout programs, the foreclosure process, etc. Come and find out more information.
October 5, 2010 Menomonie	Charitable Giving: How to Make a Difference By Giving Back This educational workshop will help people learn how being a good steward of their time, talents and treasures can provide a gift to charitable organizations they care about
October 5, 2010 Oakfield	Money Saving Ideas from the Country Doctor Ideas on how to save money on your health-care bills through preventative medicine and simple approaches to take care of ourselves more naturally.  How can we look at the lines in our faces, the spots on your fingernails and the furrows in our tongue to give us an indication of what we need to support and address in our bodies.  Other ideas shared: the color of your eyes and what it tells us, and a short history of natural medicine.
October 5, 2010 Campbellsport	Turning Your Ideas into Income Turning your ideas into a business opportunity can often seem daunting.  However, getting the right start can make the difference between success or failure.  Budding entrepreneurs will discover several beginning concepts, strategies and tools that will get them on the right footing for moving their idea to reality.  Focus will be on proven early steps entrepreneurs can take to achieve their business dreams.  Participants will learn whether they are ready to start a business, options for assembling a business plan, ideas for conducting market research, financing and various useful tools and resources for honing and testing a business idea.
October 5, 2010 Green Bay	Foreclosure Prevention Presentation Are you having trouble making your mortgage payments? Have you been having problems contacting your lender? NeighborWorks Green Bay, a HUD approved counseling agency, is offering two informational sessions which will address your questions regarding resources and options dealing with loan modifications, loan workout programs, the foreclosure process, etc. Come and find out more information.
October 5, 2010 Oshkosh	Buy Your Next Car without Being Taken for a Ride! Preparation is the key to getting a great deal on your next car. This seminar will provide you with some steps you can take before (and after) visiting the dealership. Learn how to do online research, the importance of pre-qualifying for your loan, negotiating a price (vs. a payment), understanding the buying process and determining the best insurance options for your situation. If you're thinking about purchasing a car within the next year, Kathy Blumreich will show you how doing a little research before the purchase can give you the confidence to make a good purchase with favorable financing
October 5, 2010 Germantown	Getting Out of Debt Faster Do you want to get out of debt faster and pay fewer $$ in interest? Learn how the Power Pay strategy will reduce your debt in fewer months than minimum payments and with potential savings of hundreds of dollars in interest.
October 5, 2010 Hartford	Storytime with the Berenstein Bears Read a storybook "Berenstein Bears" about saving money. Participate in craft projects geared for elementary and preschool children.
October 5, 2010 Hartford	Beating the Financial Squeeze This program will provide you with the tools to develop and implement a successful spending plan to help you take control of your financial future.
October 5, 2010 Two Rivers	Advanced Funeral Planning Advanced Funeral Planning
October 5, 2010 Manitowoc	Simplifying Estate Planning What do you have?  How can you preserve it to pass on to others when you leave earth? Who do you want to have it when you are through using it? How do you want them to have it? These questions are important in estate planning.  The detailed answers will determine your estate plan.  In this presentation Tom will deal with the last 3 questions & the participants can apply the information to their property in the first question.
October 5, 2010 Germantown	Staycations in Washington County Learn about tourism in your own backyard! If your finances don't allow you to travel for a vacation this year, consider a "Staycation". Washington County has some surprises in your own neighborhood and you'll learn about the economic impact of the tourism business in the area.
October 5, 2010 Neenah	Economic and Investment Update Tyler Krombholz reviews factors that impact our economy and financial markets.  Participants will gain a better understanding of the "new normal" of muted economic growth; investment options that may suit their/your needs; and the story of Thrivent Financial and its history of prudent investing  (It's OK to bring your lunch).
October 5, 2010 Oshkosh	What Not to Do with Facebook... Could There Be Fraud? Facebook is the "new" form of communication and the fastest penetration of Identity Theft. Learn how you can protect yourself and your family.  Learn what not to put on Facebook to help avoid fraud.  Presented by Rita Voight, President, Health Care Credit Union (It's OK to bring your lunch).
October 5, 2010 Oshkosh	Twenty-Three Ways to Get Your Child to Save! Learn how saving can be exciting for the parents and your children!  Thinking out of the box and sharing ideas for saving with your children!  Presented by Rita Voight, President, Health Care Credit Union
October 5, 2010 Neenah	Home Staging-Preparing a Home to Sell Are you thinking about selling your home? Have you had your home listed, but can’t seem to get any offers? Carol Bricco will teach you how make your home more attractive to buyers. She will also give you ideas of important upgrades for your home that buyers are looking for. You will leave with staging ideas and information on what you should start with to prepare your home for sale.
October 5, 2010 Hartford	When I'm 65 This is an informational presentation regarding Medicare insurance, Medicare Advantage plans, Medicare Part D, and Social Security. If you are reaching Medicare age or are wondering about changes in medicare, this presentation is for you.
October 5, 2010 Manitowoc	Last Expense Planning "Last Expense Planning" will discuss general issues related to funeral planning, including various prefunding options.  Use of a last expense life insurance policy in combination with an irrevocable trust will be explained, and then compared to other traditional methods of preplanning funerals.  Information & reference materials will be available to attendees of this seminar.  Each person present will have an equal chance to win a Money Smart "door prize" just for attending this event.
October 5, 2010 Neenah	Life Insurance: Whether You Know It or Not, Everyone Buys It!! Pam DeLap, Financial Strategist will help you discover what type of insurance you have. Term, Whole Life, Universal Life, Self Insurance...the most undisclosed and many time costly!!! You will learn how to make your insurance your most powerful tool in retirement.
October 5, 2010 Grafton	Interview Smart Creating a Positive First Impression AND Interview Tips for the "Perfect Interview" which Lands the Job.
October 5, 2010 Hartford	Getting Out of Debt Faster Do you want to get out of debt faster and pay fewer $$ in interest? Learn how the Power Pay strategy will reduce your debt in fewer months than minimum payments and with potential savings of hundreds of dollars in interest.
October 5 - November 9, 2010 Shawano	JA It's My Business! Students are encouraged to use critical thinking to learn entrepreneurial skills that support positive attitudes as they explore and enhance their career aspirations. Six required, volunteer-led sessions. Speaker: Steve Sengstock, SCEPI Enroll your children early to avoid disappointment. Registration are accepted on first-come, first-served basis. Class size limited to first 15 registrants. Students need to commit to all 6 sessions.
October 5, 2010 Grafton	Job Search Workshop Learn how to find jobs in any kind of market, develop a personalized network for your search and locate job openings before they reach the general public.
October 5, 2010 Germantown	Income Solutions for Your Retirement Years Explore and discuss the pros and cons of various income instruments in today's market place. These include money market accounts, ceritifcates of deposit, bonds, stock, annuities, and more.
October 5, 2010 Hartford	Strategies for Spending Less No matter what your financial situation, there are strategies available to spend less in nearly every expense category of a family budget. For example, the "step-down principle" is a way to make do, not do without. Additional strategies will be shared.
October 5, 2010 Neenah	Is This House a Good Deal? Home Inspections The purchase of a home will be the largest investment you will make.  Typically that comes without a warranty or guarantee.  How do you determine the age/condition of the roof, furnace, electrical system or other major mechanicals of the property?  What other issues should you consider or look for when choosing a home that is best suited for you.  Getting all the facts and pertinent information on a home before you purchase is one of the smartest things you can do.  Kent Schwanke from Second Look Inspection Services will explain why the inspection is so important.
October 5, 2010 Ripon	Turning Your Ideas into Income Turning your ideas into a business opportunity can often seem daunting.  However, getting the right start can make the difference between success or failure.  Budding entrepreneurs will discover several beginning concepts, strategies and tools that will get them on the right footing for moving their idea to reality.  Focus will be on proven early steps entrepreneurs can take to achieve their business dreams.  Participants will learn whether they are ready to start a business, options for assembling a business plan, ideas for conducting market research, financing and various useful tools and resources for honing and testing a business idea.
October 5, 2010 Fond du Lac	Can You Afford to Retire? Affording to retire is one of the greatest concerns facing people today.  Are you at risk? Learn how to: -Estimate the cost of your retirement -Understand various tax laws with regards to your investments -Invest to pursue growth, income and stability -Take a balanced approach to investing and working toward your goals. -Determine a long-term allocation of funds that match your investing profile. -Discuss how to make informed investment decisions to suit your needs and goals -Learn how to adjust your portfolio to help keep pace with inflation, reduce your risk and maintain the potential for competitive returns. -Prepare for a comfortable and rewarding retirement lifestyle.
October 5, 2010 Sheboygan	Keys to an Effective Resume Sets the focus on how to have an effective resume that will allow you to, ‘best market yourself’ to any potential employer.
October 5, 2010 Sheboygan	1st Time Home Buyers I know that buying a home can seem overwhelming-especially when your experiencing it for the first time. I believe in the dream of homeownership and I will show you how to realize yours.
October 5, 2010 Sheboygan	Estate Planning Essentials The most important estate planning issues facing families and individuals will be thoroughly addressed in layman terms.
October 5, 2010 Sheboygan	Your Power Years Discover how with the proper planning this new chapter of your life can be one of renewal and reinvention, marked by accumulated wisdom, skills and wealth. Retirement is not a time of decline, but the beginning of your ‘Power Years’.
October 5, 2010 Sheboygan	The Road to Retirement Security This workshop will offer insight to how annuities can guarantee a 5% income increase in value, no matter what happens in the stock market. Is an annuity right for you?
October 5, 2010 Grafton	Kids Saving for Tomorrow Learn how to make saving money a fun adventure for the whole family.  Children ages 3-7 will play a game about saving money for the future.  Each participant will receive their very own piggy bank to practice saving at home.
October 5, 2010 Neenah	Simple Home Fixes and Projects Often times simple fixes and projects around the home are feared by homeowners or misunderstood, costing the homeowner hundreds of dollars in repair costs.  Randy Groff will shed light on the secrets that can save you hundreds of dollars and simple ways to do them on your own.
October 5, 2010 Milwaukee	Credit Management and Repair
October 5, 2010 Germantown	Happy Holidays...Even on a Budget! It is possible to celebrate special occasions and stay within your budget. Join us for a hands-on activity and discussion on how to plan for spending and make sound decisions. You will also receive info about low-cost holiday foods and gifts and will taste a healthy holiday recipe.
October 5, 2010 Port Washington	Meet Penny the Pig Penny is a unique piggy bank that will help teach your children about spending and saving money.  The program is for parents and their children from ages 3-10.  All children attending with a parent will receive Penny the Pig bank.
October 5, 2010 Germantown	When I'm 65 This is an informational presentation regarding Medicare insurance, Medicare Advantage plans, Medicare Part D, and Social Security. If you are reaching Medicare age or are wondering about changes in medicare, this presentation is for you.
October 5, 2010 Hartford	The Road to Home Ownership A brief seminar discussing the steps of buying a home. We will start with sources for financing, move through the pre-approval process and what information should be brought for the application, and end with the closing process. We will also discuss the costs associated with owning a home.
October 5, 2010 Milwaukee	Steps to Homeownership Seminar-How to Manage Your Checking Account Properly
October 5, 2010 Port Washington	Understanding Credit  You will understand what factors affect a credit score, why a good credit score is important and what you can do to help maintain or improve your credit score.
October 5, 2010 Grafton	The ABC's of Saving Please join us for fun activities and tips on how to be a Money-Smart Kid. Open to all children ages 5-10, parents are welcome.
October 5, 2010 Sheboygan	Beating the Financial Squeeze Learn the basic tools to develop and implement a successful spending plan to help you take control of your financial matters.
October 5, 2010 Sheboygan	Money in the 21st Century: 30 Tips in 30 Minutes This fast paced seminar will cover a range of personal financial issues that consumers confront throughout their lives.
October 5, 2010 Sheboygan	Finances for Couples There are reasons why money is the #1 cause of arguments! This class will help identify your ‘Money Personality’ and explore the seven steps to gaining financial freedom together.
October 5, 2010 Sheboygan	Are Your Investments Prepared for the Stock Market Volitility The past two years have really shaken the confidence of even the most seasoned investor. Their working will present actions you can take today to help yourself get back on track.
October 5, 2010 Oshkosh	Financial Power of Attorney A financial power of attorney in Wisconsin is a good idea to take care of financial matters in the event you become incapacitated.  Join Todd Slagter, Dempsey Law Firm, as he discusses the Wisconsin Financial Power of Attorney.
October 5, 2010 Two Rivers	Simplifying Estate Planning What do you have?  How can you preserve it to pass on to others when you leave earth? Who do you want to have it when you are through using it? How do you want them to have it? These questions are important in estate planning.  The detailed answers will determine your estate plan.  In this presentation Tom will deal with the last 3 questions & the participants can apply the information to their property in the first question.
October 5, 2010 Manitowoc	401k's, IRA's & Other Retirment Accounts; What you need to know before you Roll "401k's, IRA's & other Retirement Accounts; what you need to know before you Roll" will discuss the basics of the most pertinent issues related to the moving of retirement accounts.  The most common types of retirement accounts will be briefly defined & explained.  Afterward, discussion will follow about several ways that individuals can move their retirement assets, along with ways to avoid potential pitfalls that could occur in the process.  Information & reference materials will be available to attendees of this seminar.  Each person present will have an equal chance to win a Money Smart  "door prize" just for attending this event.
October 5, 2010 Manitowoc	Biweekly Mortgage Payments - A Real Money Saver! "Biweekly Mortgage Payments - A Real Money Saver" will explain what a Biweekly mortgage payment actual is, why it was developed, followed by a brief discussion of the types of biweeklies available locally.  This seminar will explore the various ways that a mortgage can be accelerated using a biweekly payment plan, how retiring our mortgage early may help your retirement plan grow, and how it could boost retirement income once you are retired.  Information and reference materials will be available to attendees of this seminar. Each person present will have an equal chance to win a Money Smart "door prize" just for attending this event.
October 5, 2010 Fond du Lac	Take A New Look At Life This in an interactive and educational overview of life insurance planning: it's importance, applications and an introduction to different types of policies.  This presentation is for individuals seeking basic knowledge, all the way toward experienced life insurance owners that are looking for new ideas.
October 5, 2010 Mequon	Biweekly Mortgage Payments - A Real Money Saver "Biweekly Mortgage Payments - A Real Money Saver" will explain what a Biweekly mortgage payment actually is, why it was developed, followed by a brief discussion of the types of biweeklies available locally. This seminar will explore the various ways that a mortgage can be accelerated using a biweekly payment plan, how retiring our mortgage early may help your retirement plan grow, and how it could boost retirement income once you are retired. Information and reference materials will be available to attendees of this seminar. Each person present will have an equal chance to win a Money Smart "door prize" just for attending this event.
October 5, 2010 Menomonie	Life Insurance Options Learn about the different types of life insurances and their situations in which each is used.
October 5, 2010 Wausau	Home Buyer Education This is the first of a two-part workshop designed to help home buyers become familiar with the home buying process.  The 6-hour program involves many community partners that have a role in this process.  The second session is held on Oct 12th at UW Extension from 6;00 to 9:00 p.m.   Get Smart Wausau is a group of professionals committed to help people in Wausau and surrounding areas make good financial decisions.  Home Buyer Workshops are offered three times annually.
October 5, 2010 Manitowoc	Protecting yourself and your family This program will help you understand the basics of having a financial plan and why everyone need one to protect themselves and their family.  We will discuss general financial planning including insurance and retirement planning as well as budgeting and investing.
October 5, 2010 Manitowoc	Valuable Lessons Learned from the Recession The speaking topic will cover an article written by Dave Ramsey, and will cover some lessons learned from the recent recession, focusing on individuals and handling of finances.  An audience of a variety of ages can learn from the event.   The main topics will include discusison on:   Living on a budget. Living without debt. Having an emergency fund. Begin investing for retirement at a young age.
October 5, 2010 Beaver Dam	How to Get Rich Stories and activities for youth in kindergarten to third grades to learn that it takes "saving money" to get rich.  Children will receive a copy of Alexander Who Used to be Rich Last Sunday and My Favorite Bank Book.
October 5, 2010 Oshkosh	Understanding Rental Agreements and Evictions Renting is a common way to secure a roof over your head, and yet navigating your way through a lease or rental agreement is often difficult for many people.  If you have struggled in this area you are not alone!  Kristi Cutts will help you learn how to read a lease and how to identify important provisions in a rental agreement through the use of hands on activities.  Additionally, you will learn about proven "best practices," that you can use when moving on.
October 5, 2010 Port Washington	Title 101 – Basic Nuts and Bolts of Title Insurance If you ever wanted to understand the process of transferring real estate and the role of title insurance in that process, we will explain how to read the title commitment and walk you through its involvement in the home sale process.
October 5, 2010 Sheboygan	Busiiness Building Blocks Learn what a prospective entrepreneur,r should know and questions they should ask themselves before venturing down the road to, potentially, opening their own business. If you ever thought of owning your own business, but want to know what to do first, BBB is for you!
October 5, 2010 Sheboygan	Scams and Schemes to Get Your Money Everyone wants your money! What do you have to do to protect yourself? Learn about various scams and schemes that are used to try to get your money, including telemarketing and mail. Learn some simple prevention habits and precautions to take to protect yourself.
October 5, 2010 Sheboygan	The Economy and the Market: What the Media Missed Get the real story behind the headlines in the eye-opening seminar about the current state and future prospects of the U.S. economy and stock market.
October 5, 2010 Sheboygan	Costs: The Dark Side of Investing If your car was leaking oil; how would you tell? There would be an oil spot in your garage right? But how do you tell if your investment portfolio is leaking? That is a little harder to recognize. This session will go through how to locate the costly hidden costs of your portfolio and what you can do to reduce or eliminate them.
October 5, 2010 Sheboygan	Employment Transitions and Your 401K This workshop focuses on helping people experiencing an employment transition, to develop a plan to keep their financial house in order, acquire the proper insurance and options for their 401K plan.
October 5, 2010 Wausau	How To Buy Healthy Food Without Spending A Lot of Money Join us for a guided tour of Trig's grocery store to learn how to eat healthy without spending a lot of money.  Guiding this free tour will be a health professional from Aspirus Hospital.  The tour will cover reading and understanding food labels, picking healthy food items, cooking tasty and nutritious meals at home, discover the variety of healthy foods available, learning the facts about fat, sugar, sodium, calories and fiber and how to do this and stay within your food budget.  This tour is for anyone who would like to learn more about healthy eating.  Wear comfortable shoes and bring a pen and paper.
October 5, 2010 Mequon	Economically Surviving Divorce In addition to the emotional toll, a divorce has dramatic financial consequences. From division of property, to child costs, and estate planning, this presentation will discuss steps to take during, and after the divorce to put you in the best possible economic position once the divorce is over.
October 5, 2010 Luck	Budgeting for Your Family Learn how to save money, understand your paycheck (taxes and other deductions), use credit wisely, and budget your finances.
October 5, 2010 Fond du Lac	Wisconsin's Long Term Care Partnership Program- What it is and How Does it Work? Learn how Wisconsin's Long Term Care Partnership program can help you protect more of your assets. -What is long-term care? -How much does it cost? -How can proper planning help you protect your retirement assets, estate and your      family's well-being? -What are your options for funding long-term care?
October 5, 2010 Fond du Lac	Wealth Watchers Alice Wood, author of "Wealth Watchers: A simple Program to Help You Spend Less and Save More," will speak about her organization, Wealth Watchers International and its goal of helping people spend less money than they make.  According to Alice, "The measurement of our success is to see consumer debt rates decline, bankruptcy rates decline, foreclosure rates decline and the national personal savings rate reach 10 percent."  The foundation of the program is the Wealth Watchers Journal, a simple tool to help people set and track a daily goal for spending and saving.  By using this journal, people can easily identify how much money they have to spend each and every day without blowing their budget.
October 5, 2010 Cedar Grove	How to Start Saving For Your Retirement Steve will give you specific direction and education on various strategies for pre-retirement attendees, to get you started on the path for saving for your retirement.
October 5, 2010 Shawano	Identity Theft Identity theft can happen to anyone, anywhere, at any time. During this workshop, participants will learn how identity theft can occur, tips to protect yourself, steps to take if identity theft happens to them.
October 5, 2010 Shawano	Job Hunting Skills in Today's World Companies require on-line job applications and many scan these electronically -- do you know what words to use to improve your application "score"? What and how to network? Current resume tips? Avoid common mistakes. Speaker: Melissa Moore, PHR
October 5, 2010 Wausau	Budgeting Without a Fight Take advantage of this unique opportunity to create your living budget while being coached on healthy communication skills.  Informative and hands on.
October 5, 2010 Manitowoc	Teaching Your K-8 Child the Value of a Dollar Parents and other caregivers will learn why K-8 children need to learn about money; what motivates kids to learn about money management; how kids learn about money; how to use goal-setting, budgeting, saving and investing as teaching tools; and how to use an allowance as a teaching tool. Help your kids grow up to be financially responsible and independent young adults!
October 5, 2010 Manitowoc	Life Insurance Protection & Planning This presentation briefly describes the various types of life insurance available in today's market place.  Included will be handout materials listing several ways life insurance is used and how to determine an appropriate amount of coverage to meet your specific needs. Reference materials and related information will be available at the seminar. Each person present will have an equal chance to win a Money Smart "door prize"  just for attending this event.
October 5, 2010 Oshkosh	FUN-damentals of Wealth with Jeff Kemp Jeff Kemp will teach you the fundamentals for building a portfolio and basic retirement survival.
October 5, 2010 Oshkosh	Planning for Individuals with Disabilities Jennifer Koeppl will discuss the use of trusts designed especially to protect heirs with disabilities and allow money to be left to them without jeopardizing their government benefits.  Comparison of Self-funded Special Needs Trusts, Third-Party Special Needs Trusts and pooled trusts (WISPact) will be discussed.  The workshop will also discuss guardianships, specifically when they're needed and how to begin the process.
October 5, 2010 Sheboygan	Facing Mortgage Issues Having trouble making a house payment? Heading for or currently in foreclosure? This class will answer questions about your options and give you information about how to avoid or stop foreclosure.
October 5, 2010 Sheboygan	Stretching Your Food Dollar Learn basic concepts of getting more for less in your grocery shopping. Discover how to save 10% or more on your grocery bill every month. What could you do with that extra money?
October 5, 2010 Sheboygan	Myths and Truths of Investing Has your investment experience over the past decade left you feeling confused, anxious or disappointed-even if you followed all f the expert advice? Discover the widely held myths of investing and the opposing truths to achieve investing peace of mind.
October 5, 2010 Sheboygan	Healthy Living: The Best Way to Control Health Care Costs How what you eat and what you do; can eliminate or minimize health care costs.
October 5, 2010 Eau Claire	50 Ways to Save $50 Make the most of your dollars! Certified financial planner Kevin McKinley's fast-paced, entertaining presentation suggests ways to save money on shopping, entertainment, finances, groceries, eating out, energy costs, taxes, investments and more.
October 5, 2010 Grafton	Biweekly Mortgage Payments - A Real Money Saver "Biweekly Mortgage Payments - A Real Money Saver" will explain what a Biweekly mortgage payment actually is, why it was developed, followed by a brief discussion of the types of biweeklies available locally. This seminar will explore the various ways that a mortgage can be accelerated using a biweekly payment plan, how retiring our mortgage early may help your retirement plan grow, and how it could boost retirement income once you are retired. Information and reference materials will be available to attendees of this seminar. Each person present will have an equal chance to win a Money Smart "door prize" just for attending this event.
October 5, 2010 Menomonie	Financial Independence, It is Women's Work This workshop is designed to introduce basic financial principles to a women's audience. It discusses the need to define dreams in order to make the achievable, ways to balance short and long term goals and processes for managing money on a day to day basis.  Introductory level concepts help women think about creating and maintaining their own financial independence.
October 6, 2010 Kewaskum	Income Solutions for Your Retirement Years Explore and discuss the pros and cons of various income instruments in today's market place. These include money market accounts, ceritifcates of deposit, bonds, stock, annuities, and more.
October 6, 2010 Grafton	Pre-Arranging your Funeral Service for Peace of Mind Learn about your different options you have for funeral services, so your loved ones will be relieved of responsibility at the time of high-stress. Pre-arranging will allow you to plan the funeral that will reflect your expressed wishes, and will also give you an opportunity to pre-fund so it will not be a financial burden on your family.
October 6, 2010 Wausau	Wausau Area Finance and Investment Challenge Bowl Tournament The FICB is a study program for high school students, teaching topics such as economics, college preparation and financing options, credit, insurance, current events, and investing. Participants form teams of four students and visit www.ficbonline.org and www.mygreatlakes.org to study and take practice quizzes.   The program culminates in a live, college-bowl-format tournament, complete with a buzzer system, celebrity moderator, and panel of judges. We reward all students who participate with US Savings Bonds, book store gift certificates, stored-value cards, or the like. Students on the first- and second-place teams receive prizes of greater value as an incentive to excel and are invited to join the statewide final round that will be held in May 2011, to compete against the winners of other regional tournaments.   The 2011 Wausau Regional tournament will be held at Northcentral Technical College (Wausau Campus).
October 6, 2010 Manitowoc	The ABC's of Saving Money & Kid's Guide to Making Money Grow Teach children the basics of making & saving money by following along from A-Z in the booklet  "The ABC's of Saving Money".  Children will also learn important banking words & concepts, such as deposit, interest, & withdrawal, as well as the value of smart saving & spending. Older children will enjoy the booklet "Kid's Guide to Making Money Grow" .  This booklet provides interesting facts about early types of money, current forms of money, concepts of saving, how to create a budget, & lots more. Activity books are free to children that stop in at the Manitowoc Branch of M&I Bank during Money Smart Week.
October 6, 2010 Manitowoc	Business Building Blocks Individuals interested in starting their own business can attend a free, one-hour information session offered by the Economic Development Corporation of Manitowoc County and Lakeshore Technical College Center for Entrepreneurship.   The Business Building Blocks seminar explores key factors in starting a business and helps prospective entrepreneurs learn how to begin to determine whether a business idea is feasible.   Attendees will receive a 24-page resource guide.
October 6, 2010 Green Bay	Homebuyer Education Class #2 Part 2 of a 2 part series. Earn your Homebuyer Education Certificate that qualifies you for potential Down Payment/Closing Cost Assistance and special loan programs. The following topics will be covered in class 2: Understanding Mortgage basics, home search process, writing an offer to purchase on a home, importance of home inspections, basic home maintenance and grants/loans available to homebuyers.
October 6, 2010 Ripon	Internet Safety/Fraud Chief Dave Lukoski will present a PowerPoint on how to stay safe on the Internet and prevent fraud.
October 6, 2010 Fond du Lac	Preplanning Your Funeral Most of us plan ahead in life.  We plan for our wedding, our children's education, family vacations and other significant expected life events.  We also plan for the unexpected life events by purchasing home, auto and medical insurance.  Understanding the benefits of preplannig a funeral prompts many people to take steps to plan for their own arrangements.  Why preplan?  Peace of mind.  Many who have undergone the strain of arranging a funeral within hours of losing a loved one have made the choice to preplan their own funeral.
October 6, 2010 Germantown	Fraud BINGO Come and play BINGO! The theme will be fraud and fraud prevention. Learn tips to help identify fraud, how to prevent it, and what to do if you fall victim to it.
October 6, 2010 Kewaskum	Getting The Job You Want Learn how to find jobs in any kind of market, develop a personalized network for your search and locate job openings before they reach the general public.
October 6, 2010 Shawano	'Money Week' Story Time - Story Time Story Time - This story time includes books, finger plays, flannel board activities, songs, puppets, and other age appropriate activities. All ages of children are welcome and all must be accompanied by an adult or caregiver.
October 6, 2010 Oshkosh	Protect Your Financial Information from Fraud and Identity Theft Kate Geisheker, Internal Auditor of Citizens First Credit Union will be speaking about how best to protect your financial information from fraud and identity theft.  Kate will cover areas such as when and when not to share personal information, rules to keep your financial information safe and what to do should identity theft occur.
October 6, 2010 Campbellsport	Preplanning Your Funeral Most of us plan ahead in life.  We plan for our wedding, our children's education, family vacations and other significant expected life events.  We also plan for the unexpected life events by purchasing home, auto and medical insurance.  Understanding the benefits of preplannig a funeral prompts many people to take steps to plan for their own arrangements.  Why preplan?  Peace of mind.  Many who have undergone the strain of arranging a funeral within hours of losing a loved one have made the choice to preplan their own funeral.
October 6, 2010 Fond du Lac	Identity Fraud Officer Olson will share with attendees information on how identify fraud happens and how you can take steps to prevent it from happening.
October 6, 2010 Menomonie	Managing Your Energy Cost - What the future of energy holds - Controlling your Energy Costs - Common Conservation Practices - Renewable Energy
October 6, 2010 Fond du Lac	How to Build and Improve Your Credit Score Your credit score and the accuracy of your credit report are important to you.  Learn how to improve your score, clean up your credit and how to obtain a FREE copy of your credit report.
October 6, 2010 Ripon	Prearrange for Peace of Mind The importance of preplanning your funeral wishes.
October 6, 2010 Oshkosh	Your Credit Report: The Good, the Bad and the Ugly Mary Hall will explain how to read your credit report and the impact a credit report can have on getting a loan or a job.
October 6, 2010 Kewaskum	Conservative Investing in Today's Market Learn how to invest conservatively in today's volatile market.
October 6, 2010 Oshkosh	Improve Your Credit: It Beats the Alternative If you have ever applied for a credit card, personal loan, or insurance, there is a file about you.  This file is known as your credit report.  It is chock full of information on where you live, how you pay your bills, whether you have been sued or arrested, or have filed for bankruptcy.  This information is used to evaluate your applications for credit, insurance, employment or a lease.  With Fritz Schoessow, from M&I Bank, you will learn how to use time, how to develop a deliberate effort, and how to install a plan to repay your bills.  All to build your credit.
October 6, 2010 Ripon	Where Does My Money Go Do you know where your money really goes?  Take control of your money and better manage the money you have.  You will learn money-management skills and receive materials to help you setup a spending plan.  This session is hands on and interactive.
October 6, 2010 Fond du Lac	Getting Out of Debt Faster Learn how to develop a simple plan to get debt FREE.  Learn the simple strategies you can use to pay off your debt faster and the keys to financial freedom.
October 6, 2010 Ripon	Understanding Credit Do you own a credit card or plan to own one?  This class will give individuals information on what credit is, the costs of credit and how to select and wisely use a credit card.  Participants will learn how to obtain a credit report and understand the information on it.
October 6, 2010 Oshkosh	Life Insurance: Whether You Know It or Not, Everyone Buys It!! Pam DeLap, Financial Strategist will help you discover what type of insurance you have. Term, Whole Life, Universal Life, Self Insurance...the most undisclosed and many times costly!!! You will learn how to make your insurance your most powerful tool in retirement.
October 6, 2010 Oshkosh	Financial Power of Attorney A financial power of attorney in Wisconsin is a good idea to take care of financial matters in the event you become incapacitated.  Join Todd Slagter, Dempsey Law firm, as he discusses the Wisconsin Financial Power of Attorney.
October 6, 2010 Oshkosh	Life Insurance: Whether You Know It or Not, Everyone Buys It!! Pam DeLap, Financial Strategist will help you discover what type of insurance you have. Term, Whole Life, Universal Life, Self Insurance...the most undisclosed and many time costly!!! You will learn how to make your insurance your most powerful tool in retirement.
October 6, 2010 Oshkosh	Scoring a Job in an Electonic World Ted Balser presents job hunting tips and tricks to use today.  Companies require online job applications and many scan these electronically -- do you know what words to use to improve your application "score?"  What and how to network?  Current resume tips?  Common mistakes?
October 6, 2010 Shawano	Money for Food Workshop A workshop to help participants reduce and manage expenses during difficult times. Learn how to track what you spend and create a plan to get the things you want with your money. You can be in control! Speaker: Winnie Preston, UWEX Nutrition Educator
October 6, 2010 Kewaskum	Getting Out of Debt Faster Do you want to get out of debt faster and pay fewer $$ in interest? Learn how the Power Pay strategy will reduce your debt in fewer months than minimum payments and with potential savings of hundreds of dollars in interest.
October 6, 2010 Kewaskum	Strategies for Spending Less No matter what your financial situation, there are strategies available to spend less in nearly every expense category of a family budget. For example, the "step-down principle" is a way to make do, not do without. Additional strategies will be shared.
October 6, 2010 Wausau	AARP Identity Theft & Investment Fraud - relevant for all ages - not just seniors Identity theft is considered to be one of the fastest growing crimes in the country, affecting approximately 9-10 million Americans each year.  While new laws are being passed in an effort to stem the tide of ID theft, consumers need to take steps to protect themselves.  You also need to know what to do if identify theft happens to you.  Also, learn how to spot potential investment fraud and check out the individuals and companies that are selling investments.
October 6, 2010 Oshkosh	Getting a Job: It's Who You Know Everyone has heard that networking is a must-have skill for those with jobs as well as those looking for a new job.  Ted Balser will explain what networking is and how to become a more successful networker.  You may even relax and enjoy networking- perhaps you'll network tonight!
October 6, 2010 Manitowoc	Life Insurance Protection & Planning This presentation briefly describes the various types of life insurance available in today's market place.  Included will be handout materials listing several ways life insurance is used and how to determine an appropriate amount of coverage to meet your specific needs. Reference materials and related information will be available at the seminar. Each person present will have an equal chance to win a Money Smart "door prize"  just for attending this event.
October 6, 2010 Fond du Lac	Fraud Bingo Everyone must be on guard against scams.  Come to the Senior Center to play BINGO and learn about the many guises of fraud.  Signs of fraud and tips for avoiding scams are included.  All these topics are learned while playing a fun interactive game of FREE FRAUD BINGO!  (This is not a Fraud!)  Gifts will be available for all BINGO winners.
October 6, 2010 Fond du Lac	Protect Yourself from Identity Theft The growth of more convenient and efficient financial services has been accompanied by new and ever-changing forms of fraud.  Presenter Jenn Wilke has been involved with fraud mitigation efforts at her job.  She will share what she's learned from her own experiences in finance to help you learn steps you can take to protect yourself and loved ones.
October 6, 2010 Campbellsport	Money Saving Ideas from the Country Doctor Ideas on how to save money on your health-care bills through preventative medicine and simple approaches to take care of ourselves more naturally.  How can we look at the lines in our faces, the spots on your fingernails and the furrows in our tongue to give us an indication of what we need to support and address in our bodies.  Other ideas shared: the color of your eyes and what it tells us, and a short history of natural medicine.
October 6, 2010 Campbellsport	Where Does My Money Go Do you know where your money really goes?  Take control of your money and better manage the money you have.  You will learn money-management skills and receive materials to help you setup a spending plan.  This session is hands on and interactive.
October 6, 2010 Sheboygan	Be an Educated Renter Guide to doing the best job you can when you rent an apartment. Pre-inspection of the apartment-what to look for; How to read and understand the lease agreement, including any and all house rules.
October 6, 2010 Sheboygan	Money in the 21st Century: 30 Tips in 30 Minutes This fast paced seminar will cover a range of personal financial issues that consumers confront throughout their lives.
October 6, 2010 Sheboygan	Numero ITIN Que` es y para que sirve el Numero ITIN. Por que es importante aplicar para un numero ITIN. Quen debe de aplicar para obtener el numero ITIN. Informatcion sobre impuestos y como el ITIN podria ayudarle con el proceso migratorio. Presentado en Espanol (Presented in: Spanish)
October 6, 2010 Sheboygan	Reverse Mortgage for Seniors Money to help to finance your retirement is locked up in the equity of your home. You can find out how to get it when you need it the most.
October 6, 2010 Sheboygan	Be an Educated Renter Guide to doing the best job you can when you rent an apartment. Pre-inspection of the apartment-what to look for; How to read and understand the lease agreement, including any and all house rules.
October 6, 2010 Grafton	Banking 101 Seminar In this seminar aimed at middle school youth (5th - 8th grades), you will learn about major types of insured financial institutions, jobs within banks, basic banking terms, differences between banks and check-cashing services, bank employees and their jobs, types of accounts, and banking services.  The seminar includes a pre-survey to test the participants knowledge prior to the presentation.  Parents are welcome to participate.
October 6, 2010 Milwaukee	How to Manage Your Checking Account Properly
October 6, 2010 Oshkosh	Pros and Cons of Reverse Mortgages Steve Evans will help you determine what you need to know to make an informed decision.   Using home equity through a reverse mortgage may be an important strategy to help deal with financial challenges.
October 6, 2010 Milwaukee	How to Manage Your Checking Account Properly
October 6, 2010 Mequon	The 5 Steps to Freedom in Business Learn how to achieve your personal Income, Lifestyle, Income and Equity Goals. You will learn about the stages of growth businesses typically go through and strategies you can implement to move your business to the next stage and ultimately achieve a business that operates well without day to day management, giving the owner freedom to pursue their dreams.
October 6, 2010 Oshkosh	Prevent Foreclosure! Are you facing foreclosure or looking for ways to avoid it?  Dana Berger, a HUD approved housing counselor, offers free housing counseling services to help homeowners understand their options to avoid foreclosure.  During this seminar you will learn about understanding the foreclosure process, how to avoid foreclosure rescue scams, how to work with your mortgage loan servicer, Making Homes Affordable options (otherwise known as the Obama Program) and the role of a housing counselor.
October 6, 2010 Oconto Falls	"Credit Wellness" Seminar "Credit Wellness" Seminar Find out about "good" credit habits from experts in the field. Also learn what shapes your credit score and how it can effect your everyday life. Guest speaker will be Tom Secor of AmeriCU Mortgage.
October 6, 2010 Manitowoc	Last Expense Planning "Last Expense Planning" will discuss general issues related to funeral planning, including various prefunding options.  Use of a last expense life insurance policy in combination with an irrevocable trust will be explained, and then compared to other traditional methods of preplanning funerals.  Information & reference materials will be available to attendees of this seminar.  Each person present will have an equal chance to win a Money Smart "door prize" just for attending this event.
October 6, 2010 Two Rivers	Simplifying Estate Planning What do you have?  How can you preserve it to pass on to others when you leave earth? Who do you want to have it when you are through using it? How do you want them to have it? These questions are important in estate planning.  The detailed answers will determine your estate plan.  In this presentation Tom will deal with the last 3 questions & the participants can apply the information to their property in the first question.
October 6, 2010 Campbellsport	Understanding Credit Do you own a credit card or plan to own one?  This class will give individuals information on what credit is, the costs of credit and how to select and wisely use a credit card.  Participants will learn how to obtain a credit report and understand the information on it.
October 6, 2010 Menomonie	Focus on Financial Management This educational workshop gives participants a basic understanding of how to: *   Protect what they value *   Make wise investment decisions *   Retire with confidence and leave a legacy
October 6, 2010 Fond du Lac	Managing Holiday Spending and Stress Learn and understand why the holidays cause stress and how to deal with the financial strains of the holidays
October 6, 2010 Oshkosh	How to Write a Winning Resume Tips on what to include, what styles to consider, how to write or update an existing resume.  Strategies to match your resume to the job you are seeking.  Leave the program with ideas for your winning resume!  Presented by Ted Balser.
October 6, 2010 Shawano	"Getting Started" Workshop for Dislocated Workers Have you been laid off recently? Considering a new career path? Attend this free workshop. You will learn about: NWTC academic offerings, admission procedures, financial aid procedures, workshops to improve your academic skills, career planning, funding options for dislocated workers, and networking with other dislocated workers. *Please register prior to October 1.
October 6, 2010 Oshkosh	Orchestrating the Tax-Free Retirement While you may think of retirement as a time for pursuing pastimes and opening a new chapter in your life, Uncle Sam sees dollar signs. How do you ward off the potential tax onslaught that many people feel during retirement?  Presented by Jeremy Burri.
October 6, 2010 Kewaskum	When I'm 65 This is an informational presentation regarding Medicare insurance, Medicare Advantage plans, Medicare Part D, and Social Security. If you are reaching Medicare age or are wondering about changes in medicare, this presentation is for you.
October 6, 2010 Mequon	Is Business Ownership and Franchising Right for You? Ever wonder what it would take to help you realize your dream of business ownership and how to overcome the fears that hold back 75% of us from realizing our dream? Learn about the options and considerations in business types with a deeper look at franchising and what makes it a viable choice for many.
October 6, 2010 Amery	Saving for Education Get ideas for the best ways to save for your children's education.
October 6, 2010 Green Bay	Fashion Show Opportunity to get ideas for inexpensive ways to dress young children, youth, teens, and adults.  Inexpensive ideas for Halloween costumes will also be featured in this fashion show.
October 6, 2010 Beaver Dam	The Basics of Investing An educational program geared to people who want an overview of investing, including key terms and investment types. We'll cover the basic features of bonds, stocks and mutural funds and the importance of asset allocation.
October 6, 2010 Manitowoc	401k's, IRA's & Other Retirment Accounts; What you need to know before you Roll "401k's, IRA's & other Retirement Accounts; what you need to know before you Roll" will discuss the basics of the most pertinent issues related to the moving of retirement accounts.  The most common types of retirement accounts will be briefly defined & explained.  Afterward, discussion will follow about several ways that individuals can move their retirement assets, along with ways to avoid potential pitfalls that could occur in the process.  Information & reference materials will be available to attendees of this seminar.  Each person present will have an equal chance to win a Money Smart  "door prize" just for attending this event.
October 6, 2010 Oshkosh	Effective Job Interviewing Skills How to prepare yourself for a job interview.  Learn questions to prepare for and ways to respond, questions you should ask, how to sell yourself and other excellent tips.  Be ready for the next job interview and fell calmer about your performance.  Presented by Ted Balser.
October 6, 2010 Oshkosh	Investing like an Pro It is a well known fact that institutions experience much better results in their portfolio than the average retail investor. Why is that? Don't we all invest in the same market? Find out the behaviors and actions that give institutions their performance advantage.  Presented by Jeremy Burri.
October 6, 2010 Mequon	Introduction to QuickBooks This class covers the basic functionality of QuickBooks. Attendees will be shown how to set up accounts, invoice customers, enter and pay bills and balance a checking account. Generating meaningful reports using QuickBooks will also be demonstrated.
October 6, 2010 Fond du Lac	Beat the Financial Squeeze This program will provide you with the tools to develop and implement a successful spending plan to help you take control of your financial matters.
October 7, 2010 West Bend	Long-Term Care Presentation includes basic rules for single persons and married persons, the Community Spouse roles, assets vs income determinations, available exemptions, how long term care planning changes estate plans (preserving assets for adult children) and Wisconsin Lien Recovery Rules.
October 7, 2010 West Bend	Debt Reduction Made Easier Learn tips and strategies to lower your debt.
October 7, 2010 Manitowoc	The ABC's of Saving Money & Kid's Guide to Making Money Grow Teach children the basics of making & saving money by following along from A-Z in the booklet  "The ABC's of Saving Money".  Children will also learn important banking words & concepts, such as deposit, interest, & withdrawal, as well as the value of smart saving & spending. Older children will enjoy the booklet "Kid's Guide to Making Money Grow" .  This booklet provides interesting facts about early types of money, current forms of money, concepts of saving, how to create a budget, & lots more. Activity books are free to children that stop in at the Manitowoc Branch of M&I Bank during Money Smart Week.
October 7, 2010 Manitowoc	Using Fixed Annuities for Retirement "Using Fixed Annuities in Retirement" will explain what an annuity is, explore the various ways that annuities are used in planning for retirement, and detail several ways they can provide income to individuals, once retired.  This seminar will also discuss way annuities can be used in estate planning and other related topics.  Information and reference materials will be available to attendees of this seminar. Each person present will have an equal chance to win a Money Smart "door prize" just for attending this event.
October 7, 2010 West Bend	Parents: How to Be a Good Financial Role Model Learn to set realistic and effective savings goals. Know your cash flow and living expenses. Be informed about college costs and look at all the funding available. Learn how to take a hands-on approach for financial role modeling and how to adapt it as they grow.
October 7, 2010 West Bend	Estate Planning Presentation includes what constitutes a good estate plan, Living Trust vs will-based estate plans, and probate avoidance techniques. Discussion of powers of attorney, both financial and health care, when probate is required and what assets are subject to probate administration, including costs and procedure outline of probate administration.
October 7, 2010 Beaver Dam	Cooking for One Cooking for one might seem like a lot of work. However, with a few strategies you can make homemade meals quickly, more nutritiously and economically. Join us for some comparison shopping and a demonstration.
October 7, 2010 Shawano	Financial Wellness Workshop Dawn Kelley from Premier Bank will share important information on: Credit reports/scores, Financial Information & Service Center (FISC), Opening an account at any financial institution, account types & fees, maintaining an account and staying clear of Cash or Pay Day loan stores, etc.
October 7, 2010 Shawano	'Money Week' Story Time - Gather 'Round Gather 'Round - We will be reading a few books, finger plays and flannel boards, dancing, crafts and playing with musical instruments. Join the fun! Any age is welcome.
October 7, 2010 Oshkosh	Save Energy, Save Money: Keeping Costs Down Bob Hernke will present a program on keeping energy costs down through conservation.  Practical tips for saving energy during the upcoming heating season.  You'll learn what to look for in energy efficient appliances when replacing or buying for the first time.
October 7, 2010 Oshkosh	50 More Ways to Save in 50 Minutes Mary Hall from FISC will reveal ways to save money in specific area like groceries, clothes, entertainment, cars and more!
October 7, 2010 Fond du Lac	Identity Theft How to best protect your financial information from fraud and identity theft. Shireen Johnson, Risk Manager, will cover such areas as when and when not to share personal information, rules to keep your financial information safe and what you should do if identity theft should occur
October 7, 2010 Menomonie	My Legacy Matters This workshop helps participants identify their values, to clarify their intentions, and to create a legacy plan to share with loved ones.
October 7, 2010 Fond du Lac	When There is a Drop in Income Have you experienced a change in your income? Financial experts recommend having a spending plan for managing your money. Good financial planning is even more essential in tough times. This session will give participants information on financial skills to use when there is a change in income and how to adjust your spending plan.
October 7, 2010 Mequon	Leasing versus Buying Your Next Automobile Learn the reasons why people may want to lease a vehicle versus buying a new one and the advantages.  Learn what to expect at the beginning and the end of a lease and what your responsibilities are when you lease a vehicle.
October 7, 2010 Oshkosh	Simple Home Fixes and Projects Often times simple fixes and projects around the home are feared by homeowners or misunderstood costing the homeowner hundreds of dollars in repair costs.  Randy Groff will shed light on the secrets that can save you hundreds of dollars and simple ways to do them on your own.
October 7, 2010 West Bend	A Woman's Guide to Wealth This presentation will discuss the important concepts of growing, protecting, preserving, and transitioning your wealth for women of all ages.
October 7, 2010 West Bend	Understanding Medicare D This presentation will provide an overview of the program with tips to make sure you are not paying more than necessary for your medications. Changes are occurring beginning in 2011 and these will be reviewed as well.
October 7, 2010 Manitowoc	Advanced Funeral Planning Advanced Funeral Planning
October 7, 2010 Oshkosh	Benefit Checkup Joan Jaworski will be discussing public benefit programs that can put extra money in people's pockets. Food Share (the new name for the Food Stamp program), energy assistance, the Medicare savings programs, and extra help for Part D drug coverage and Medicaid programs. At the end we may throw in a brief update on Obama’s health care reform.  (It's OK to bring your lunch).
October 7, 2010 Green Bay	Fashion Show Opportunity to get ideas for inexpensive ways to dress young children, youth, teens, and adults.  Inexpensive ideas for Halloween costumes will also be featured in this fashion show.
October 7, 2010 Oshkosh	Is This House a Good Deal? Home Inspections The purchase of a home will be the largest investment you will make.  Typically that comes without a warranty or guarantee.  How do you determine the age/condition of the roof, furnace, electrical system or other major mechanicals of the property?  What other issues should you consider or look for when choosing a home that is best suited for you.  Getting all the facts and pertinent information on a home before you purchase is one of the smartest things you can do.  Kent Schwanke from Second Look Inspection Services will explain why the inspection is so important. Bring your lunch!
October 7, 2010 Oshkosh	What Not to Do with Facebook... Could There Be Fraud? Facebook is the "new" form of communication and the fastest penetration of Identity Theft. Learn how you can protect yourself and your family.  Learn what not to put on Facebook to help avoid fraud.  Presented by Rita Voight, President, Health Care Credit Union.
October 7, 2010 Oshkosh	Protect Yourself from Identity Theft & Fraud Crime Prevention Officer Joseph Nichols from the Oshkosh Police Department provides ways to protect yourself from identity theft and fraud.  There will be a video shown.
October 7, 2010 Port Washington	Stretching Your Food Dollar Do you want to save money on your groceries, eating out, and meals at work and school? What would you do with the money you save? Find out how to stretch your food dollar.
October 7, 2010 Neenah	The Ins and Outs of Buying Your First Home Mortgage rates are low and it’s a buyer’s market. If you’ve heard this before and are thinking it’s the right time to buy your first home, this session will help you start the process. Joe Leadley will teach you what to expect from the mortgage process and what banks are looking for right now to qualify you for you first home. By the end of the session, you should feel more comfortable starting your mortgage process and looking for the home of your dreams!
October 7, 2010 West Bend	Happy Holidays...Even on a Budget! It is possible to celebrate special occasions and stay within your budget. Join us for a hands-on activity and discussion on how to plan for spending and make sound decisions. You will also receive info about low-cost holiday foods and gifts and will taste a healthy holiday recipe.
October 7, 2010 Wausau	Final Affairs: Necessary Conversations This will be a program with speakers addressing topics such as funeral planning, options for veteran, hospice and palliative care, legal matters, financial issues, and many other factors to consider in advance care planning.  will receive a Final Affairs Guide (for arranging your persona/legal affairs) and complimentary refreshments.  This no-cost seminar will be open to any adults in Central Wisconsin.
October 7, 2010 West Bend	When I'm 65 This is an informational presentation regarding Medicare insurance, Medicare Advantage plans, Medicare Part D, and Social Security. If you are reaching Medicare age or are wondering about changes in medicare, this presentation is for you.
October 7, 2010 West Bend	Conservative Investing in Today's Market Learn how to invest conservatively in today's volatile market.
October 7, 2010 Manitowoc	Valuable Lessons Learned from the Recession The speaking topic will cover an article written by Dave Ramsey, and will cover some lessons learned from the recent recession, focusing on individuals and handling of finances.  An audience of a variety of ages can learn from the event.   The main topics will include discusison on:   Living on a budget. Living without debt. Having an emergency fund. Begin investing for retirement at a young age.
October 7, 2010 Oshkosh	Focus On Financial Management Tyler Krombholz presents a  workshop that gives participants a basic understanding of how to protect what they value, make wise investment decisions, and retire with confidence and leave a legacy.
October 7, 2010 Port Washington	Scams and Schemes to Get Your Money Everybody wants your money! What do you have to do to protect yourself? Learn about internet, telemarketing, and mail scams and schemes designed to get your money. Discover the precautions you can use to protect yourself.
October 7, 2010 Neenah	Purchasing a Foreclosure - Know the Concepts of Home Purchasing Within this brief overview, Pete Schroeder, a licensed agent, will define homes that are For Sale By Owner (FSBO), pre-foreclosure Short Sales, buying a home at a Sheriff's Sale, and homes for sale after the bank has taken them back by foreclosure.  We will have plenty of time to define these and help you understand not only the concepts but also the mechanics of how these procedures work. (Its OK to bring your lunch.)
October 7, 2010 Fond du Lac	Be Supermarket Savvy Are you looking for tips and ideas on how to plan meals better? Understand what the labels on food are telling you? Save money on your family food bill? This hands-on class will show participants different skills to use when shopping for your family's foods, keeping costs in line with your family's food budget.
October 7, 2010 Brandon	How to Raise a MoneySmart Child This seminar will provide great tools and techniques for talking with children and grandchildren about money.
October 7, 2010 Neenah	Need Help Starting Your Own Business? Are you thinking it may be time to start your own business? Do you currently own a business and want to refinance your loan? Does your business need more money to grow? If you’ve said yes to any of these questions, you will benefit from this session. Tim Hoff will inform you of current lending products available to you and your business. You will also learn about the Small Business Administration and how it can help your business.
October 7, 2010 West Bend	Income Solutions for Your Retirement Years Explore and discuss the pros and cons of various income instruments in today's market place. These include money market accounts, ceritifcates of deposit, bonds, stock, annuities, and more.
October 7, 2010 West Bend	Computers on a Shoestring Need to buy a computer but are on a budget? Learn tips on the various features a computer can offer and what you may need.
October 7, 2010 West Bend	Organize Your Financial Records Determine what documents to keep, the cost of not getting organized, and how long to keep what records. Also, explore the value of a Financial Notebook and how it can provide peace of mind to you and your family.
October 7, 2010 Grafton	Meet Penny the Pig Penny is a unique piggy bank that will help teach your children about spending and saving money.  The program is for parents and their children from ages 3-10.  All children attending with a parent will receive Penny the Pig bank.
October 7, 2010 Mequon	"You're Never Too Young to Start Saving for Your Future" A lighthearted and informative presentation covering the basics of money management from piggy banks to beyond for 5th through 8th graders.  Parents are welcome to attend.  Casual Q & A will address any issues of interest raised by the audience.
October 7, 2010 Port Washington	Kids Saving for Tomorrow Learn how to make saving money a fun adventure for the whole family.  Children ages 3-7 will play a game about saving money for the future.  Each participant will receive their very own piggy bank to practice saving at home.
October 7, 2010 Madison	Affordable homeownership for people with disabilities How can low income people with disabilities secure affordable, stable housing through home-ownership? We'll show you the steps of developing a housing plan. We'll tell you about sources of down payment assistance for low income home buyers with disabilities. And we'll discuss strategies for being welcomed as neighbors and for sustaining your home over the long haul. This session will be aimed at people with disabilities, their family members, and those who provide and plan daily supports relied upon by people with disabilities.
October 7, 2010 Brandon	Where Does the Money Go? Do you know where your money really goes? Take control of your money and better manage the money you have. You will learn money-management skills and receive materials to help you set up a spending plan. This session is hands-on and interactive.
October 7, 2010 Fond du Lac	Wisconsin's Long Term Care Partnership Program-What it is and How Does it Work? Learn how Wisconsin's Long Term Care Partnership program can help you protect more of your assets. - What is long-term care? - How much does it cost? - How can proper planning help you protect your retirement assets, estate and your family's well-being? - What are your options for funding long-term care? - What will Medicare and Medicaid pay, and what won't they pay? - Is long-term care insurance an option for you?
October 7, 2010 Milwaukee	How to Manage Your Checking Account Properly
October 7, 2010 Juneau	How to Get Rich Stories and activities for youth in kindergarten to third grades to learn that it takes "saving money" to get rich.  Children will receive a copy of Alexander Who Used to be Rich Last Sunday and My Favorite Bank Book.
October 7, 2010 Port Washington	Banking 101 Seminar In this seminar aimed at middle school youth (5th - 8th grades), you will learn about major types of insured financial institutions, jobs within banks, basic banking terms, differences between banks and check-cashing services, bank employees and their jobs, types of accounts, and banking services.  The seminar includes a pre-survey to test the participants knowledge prior to the presentation.  Parents are welcome to participate.
October 7, 2010 West Bend	Beating the Financial Squeeze This program will provide you with the tools to develop and implement a successful spending plan to help you take control of your financial future.
October 7, 2010 Manitowoc	Biweekly Mortgage Payments - A Real Money Saver! "Biweekly Mortgage Payments - A Real Money Saver" will explain what a Biweekly mortgage payment actual is, why it was developed, followed by a brief discussion of the types of biweeklies available locally.  This seminar will explore the various ways that a mortgage can be accelerated using a biweekly payment plan, how retiring our mortgage early may help your retirement plan grow, and how it could boost retirement income once you are retired.  Information and reference materials will be available to attendees of this seminar. Each person present will have an equal chance to win a Money Smart "door prize" just for attending this event.
October 7, 2010 Oshkosh	FUN-damentals of Wealth with Jeff Kemp Jeff Kemp will teach you the fundamentals for building a portfolio and basic retirement survival.
October 7, 2010 Mequon	Interview Smart Creating a Positive First Impression AND Interview Tips for the "Perfect Interview" which Lands the Job.
October 7, 2010 Grafton	Introduction to QuickBooks This class covers the basic functionality of QuickBooks. Attendees will be shown how to set up accounts, invoice customers, enter and pay bills and balance a checking account. Generating meaningful reports using QuickBooks will also be demonstrated.
October 7, 2010 West Bend	Funeral Pre-Planning Become a more informed consumer when planning your funeral while learning how to protect your pre-funded plan from Title 19.
October 7, 2010 Fond du Lac	Financial Planning for College This presentation will cover how to plan ahead for meeting college costs. Additional topics included are identifying and estimating annual college expenses; an examination of federal, state and institutional sources of financial aid; and grant, scholarship, loan and work-study programs.
October 7, 2010 Fond du Lac	Common Sense Ways to Save We all have spending patterns and habits that can be changed, but only if we want to change them, and are aware of other options.  Come find ways to save money on a daily basis.
October 7, 2010 Brandon	Understanding Credit Do you own a credit card or plan to own one? This class will give individuals information on what credit is, the costs of credit and how to select and wisely use a credit card. Participants will learn how to obtain a credit report and understand the information on it.
October 7, 2010 Menomonie	Focus on Investment Fundamentals This educational workshop covers the basics of investing, including, steps to help: *   Grow money with tax deferred investments *   Steer clear of common investment mistakes *   Take advantage of professionally managed investments This is especially beneficial for individuals who are new to investing
October 7, 2010 Fond du Lac	Can You Afford to Retire? Affording to retire is one of the greatest concerns facing people today. Are you at risk? Learn how to: - Estimate the cost of your retirement. - Understand various tax laws with regard to your investments - Invest to pursue growth, income and stability - Take a balanced approach to investing and working toward your goals - Determine a long-term allocation of funds that match your investing profile - Discuss how to make informed investment decisions to suit your needs and goals - Learn how to adjust your portfolio to help keep pace with inflation, reduce your risk and maintain the potential for competitive returns - Prepare for a comfortable and rewarding retirement lifestyle
October 7, 2010 Fond du Lac	Tax Planning Tips to Maximize Your Tax Return This session will explain the W-4 regarding how much (or how little) will be withheld from your paycheck, also planning the size of your refund. How to elect to have withholding from pension distributions, Social Security benefits and unemployment benefits. Also paying estimated taxes for self-employed persons.
October 7, 2010 Menasha	What You Need to Know Before Buying Your First Home! Buying your first home (or any home) can be overwhelming if you are not educated and prepared.  Attend this seminar and Karri Bedor from First National Bank will help you learn the benefits of working with a real estate agent; discover the importance of having a budget; understand how your credit score can impact your interest rate; and find out about the different mortgage programs available and how to shop for the best mortgage based on your situation.  Knowledge is power... especially when you are looking to make your dream home a reality.
October 7, 2010 Grafton	The 5 Steps to Freedom in Business Learn how to achieve your personal Income, Lifestyle, Income and Equity Goals. You will learn about the stages of growth businesses typically go through and strategies you can implement to move your business to the next stage and ultimately achieve a business that operates well without day to day management, giving the owner freedom to pursue their dreams.
October 7, 2010 Oshkosh	Focus On College Funding Tyler Krombholz presents a workshop that helps parents gain a better understanding of current college education costs along with college funding options and tax advantages. It also covers the pros and cons of other funding options, such as loans and financial aid.
October 7, 2010 Dresser	Identity Theft Learn how to protect yourself against having your identity stolen.
October 7, 2010 Winneconne	Making Your Money Work for You Managing your money involves both knowing what money and resources you have to work with and where you want your money to go.  It is also knowing the difference between wants, "those many, things we'd like to have," and needs, life's essentials.  Kristi Cutts will help you learn about how you presently handle your money, as well as ways you can make your money work for you.
October 7, 2010 Shawano	Are You Ready to Buy a Home? Buying your first home can be an exciting, but also confusing time. The process starts even before you begin looking at homes. Take the first steps to home ownership by learning about the home buying process and how your credit score affects your ability to get a loan and how to improve your credit score. Speakers: Debbie Laehn, Janet Fox and Debby Dehn. Please register by Oct. 4
October 7, 2010 Shawano	401k's, IRA's & Other Retirement Accounts; What you need to know before you roll This presentation will discuss the basics of the most pertinent issues related to the moving of retirement accounts. The most common types of retirement accounts will be briefly defined and explained. Afterward, discussion will follow about several ways that individuals can move their retirement assets, along with ways to avoid potential pitfalls that could occur in the process. Information and reference materials will be available to attendees of this seminar. Speaker: Char Larson
October 7, 2010 Beaver Dam	Sandwich and a Movie So many choices for food and entertainment.  Learn to make a couple quick sandwiches from pizza  pockets, wraps and walking tacos - and compare the costs of both a sandwich and a movie.  A family event  and we won't forget the popcorn!
October 7, 2010 Green Bay	Penny the Pig Workshop (1 - 5 graders with parent/caregiver) This workshop will teach youth in 1st through 5th grade how to allocate their money - saving, spending, donating, and investing. Children in 1st through 5th grade will receive a Penny the Pig Bank. No cost to attend, child must be accompanied by a parent/caregiver.
October 7, 2010 Manitowoc	Life Insurance Protection & Planning This presentation briefly describes the various types of life insurance available in today's market place.  Included will be handout materials listing several ways life insurance is used and how to determine an appropriate amount of coverage to meet your specific needs. Reference materials and related information will be available at the seminar. Each person present will have an equal chance to win a Money Smart "door prize"  just for attending this event.
October 7, 2010 Menasha	FUN-damentals of Wealth with Jeff Kemp Jeff Kemp will teach you the fundamentals for building a portfolio and basic retirement survival.
October 7, 2010 Oshkosh	Economic and Investment Update Tyler Krombholz reviews factors that impact our economy and financial markets.  Participants will gain a better understanding of the "new normal" of muted economic growth; investment options that may suit their/your needs; and the story of Thrivent Financial and its history of prudent investing.
October 7, 2010 Grafton	Franchising 101 Modern day franchising looks a little different than it did a generation ago. It's no longer about the products and services, but rather about the business system. Knowing the basics will not only help you understand if you have franchisee potential, but also help you to evaluate franchise opportunities and determine if this business structure is right for you.
October 7, 2010 Winneconne	Your Credit Report: The Good, The Bad, & The Ugly Mary Hall will explain how to read your credit report and the impact a credit report can have on getting a loan or a job
October 7, 2010 Menomonie	From Me to We This values-based workshop helps couples: *   Identify their values and attitudes about money *   Set goals and use a budget to help them reach their goals    *   Manage their money together Great for recently engaged and newly married couples to help them work together to create a strategy for their financial future
October 7, 2010 Green Bay	Eat Healthy While Saving Food bills can be expensive. Learn how to eat healthy while saving money and eating great tasting food.  $5.00 registration fee.
October 7, 2010 Beaver Dam	Auto Purchasing Learn the ins and outs of purchasing your first vehicle with emphasis on financing and insurance.
October 8, 2010 Manitowoc	The ABC's of Saving Money & Kid's Guide to Making Money Grow Teach children the basics of making & saving money by following along from A-Z in the booklet  "The ABC's of Saving Money".  Children will also learn important banking words & concepts, such as deposit, interest, & withdrawal, as well as the value of smart saving & spending. Older children will enjoy the booklet "Kid's Guide to Making Money Grow" .  This booklet provides interesting facts about early types of money, current forms of money, concepts of saving, how to create a budget, & lots more. Activity books are free to children that stop in at the Manitowoc Branch of M&I Bank during Money Smart Week.
October 8, 2010 Manitowoc	Schemes and Scams This program will be an overview of some of the current Internet and mail check schemes and scams, including how to avoid being a victim of them.
October 8, 2010 Shawano	Where Does My Money Go? Putting together and following a spending plan can be overwhelming at first though-particularly if you have never worked with a budget before. Once the initial work of getting your financial situation down on paper is done the monthly upkeep can be accomplished in about 20 minutes. Learn the steps to create a plan for your personal finances. Particpants will received supplementary handouts, and worksheets to help track spending and assist in planning for the future. Speaker: Linda Olson, UWEX
October 8, 2010 Jackson	Fraud BINGO Come and play BINGO! The theme will be fraud and fraud prevention. Learn tips on help identify fraud, how to prevent it, and what to do if you fall victim to it.
October 8, 2010 Oshkosh	Smart Charitable Giving For some, charitable giving goes beyond donating old clothes and housewares, or writing a check to support a local charity.  It is a mission to be accomplished over a lifetime, or longer, and a valuable part of one's investing plan.  Eileen Connolly-Keesler will present planning tips to help you reach your charitable giving goals .
October 8, 2010 Menasha	Planning for Individuals with Disabilities Jennfier Koeppl will discuss the use of trusts designed especially to protect heirs with disabilities and allow money to be left to them without jeopardizing their government benefits.  Comparison of Self-funded Special Needs Trusts, Third-Party Special Needs Trusts and pooled trusts (WISPact) will be discussed.  The workshop will also discuss guardianships, specifically when they're needed and how to begin the process.
October 8, 2010 Oshkosh	Scoring a Job in an Electronic World Ted Balser presents job hunting tips and tricks to use today.  Companies require online job applications and many scan these electronically -- do you know what words to use to improve your application "score?"  What and how to network?  Current resume tips?  Common mistakes?
October 8, 2010 Manitowoc	Using Fixed Annuities for Retirement "Using Fixed Annuities in Retirement" will explain what an annuity is, explore the various ways that annuities are used in planning for retirement, and detail several ways they can provide income to individuals, once retired.  This seminar will also discuss way annuities can be used in estate planning and other related topics.  Information and reference materials will be available to attendees of this seminar. Each person present will have an equal chance to win a Money Smart "door prize" just for attending this event.
October 8, 2010 Beaver Dam	Who Gets Grandma's Yellow Pie Plate? Everyone has personal belongings such as photogrpahs, a fishing rod or even a yellow pie plate that contains meaning for them and for other family members.  You'll learn practical information about inheritances while avoiding family conflict.
October 8, 2010 Mequon	Job Search Workshop Learn how to find jobs in any kind of market, develop a personalized network for your search and locate job openings before they reach the general public.
October 8, 2010 Menasha	Pros & Cons of Reverse Mortgages Steve Evans will help you determine what you need to know to make an informed decision.  Using home equity through a reverse mortgage may be an important strategy to help deal with financial challenges.
October 8, 2010 Oshkosh	Getting a Job: It's Who You Know Everyone has heard that networking is a must-have skill for those with jobs as well as those looking for a new job.  Ted Balser will explain what networking is and how to become a more successful networker.  You may even relax and enjoy networking with perhaps you will network today!
October 8, 2010 Two Rivers	Schemes and Scams This program will be an overview of some of the current Internet and mail check schemes and scams, including how to avoid being a victim of them.
October 8, 2010 Manitowoc	Simplifying Estate Planning What do you have?  How can you preserve it to pass on to others when you leave earth? Who do you want to have it when you are through using it? How do you want them to have it? These questions are important in estate planning.  The detailed answers will determine your estate plan.  In this presentation Tom will deal with the last 3 questions & the participants can apply the information to their property in the first question.
October 8, 2010 Milwaukee	Personal Finance and Money Management
October 8, 2010 Fond du Lac	Be Supermarket Savvy Are you looking for tips and ideas on how to plan meals better? Understand what the labels on food are telling you? Save money on your family food bill? This hands-on class will show participants different skills to use when shopping for your family's foods, keeping costs in line with your family's food budget.
October 8, 2010 Fond du Lac	Investing and Estate Planning This session will cover the basics of investing and estate planning.
October 8, 2010 Oshkosh	Money Management Traps Paul Monfils, Manager of Financial Sales, at Citizens First will be speaking about how to manage money effectively and avoid common money-management traps.  Budgeting, personal finance, credit score and how to become a better money manager will be covered. Bring your lunch
October 8, 2010 Menasha	50 More Ways to Save in 50 Minutes Many people are looking for new ways to spend less and stretch their dollars.  In 50 minutes, Alan Prahl will share more than 50 real ways to reduce expenses; including how to save on shopping, cars, entertainment, finances, eating out, energy costs and more.  The program is fast, fun, and full of tips.  (It's Ok to bring your lunch).
October 8, 2010 West Bend	Fraud BINGO Come and play BINGO! The theme will be fraud and fraud prevention. Learn tips on help identify fraud, how to prevent it, and what to do if you fall victim to it.
October 8, 2010 Oshkosh	Home Staging-Preparing a Home to Sell Are you thinking about selling your home? Have you had your home listed, but can’t seem to get any offers? Carol Bricco will teach you how make your home more attractive to buyers. She will also give you ideas of important upgrades for your home that buyers are looking for. You will leave with staging ideas and information on what you should start with to prepare your home for sale.
October 8, 2010 Hartford	Fraud BINGO Come and play BINGO! The theme will be fraud and fraud prevention. Learn tips on help identify fraud, how to prevent it, and what to do if you fall victim to it.
October 8, 2010 Manitowoc	Last Expense Planning "Last Expense Planning" will discuss general issues related to funeral planning, including various prefunding options.  Use of a last expense life insurance policy in combination with an irrevocable trust will be explained, and then compared to other traditional methods of preplanning funerals.  Information & reference materials will be available to attendees of this seminar.  Each person present will have an equal chance to win a Money Smart "door prize" just for attending this event.
October 8, 2010 Fond du Lac	Living on One Income Whether you are facing a job loss, retirement, or choose to stay home living on one income can be challenging. Join Tammy Matzdorf of Consumer Credit Counseling to learn how to budget, get out of debt, save money, and live within your means.
October 8, 2010 Fond du Lac	Getting Your Financial Check-up Where are you now financially? Where do you want to be? Learn the steps to achieve good financial health.
October 8, 2010 Fond du Lac	You and Your Credit Report Learn what a credit report contains and how this information is used by creditors to determine whether you will be considered for a loan.  Find out who the three major credit bureaus are and how to obtain a FREE copy of your credit report.
October 8, 2010 Manitowoc	401k's, IRA's & Other Retirment Accounts; What you need to know before you Roll "401k's, IRA's & other Retirement Accounts; what you need to know before you Roll" will discuss the basics of the most pertinent issues related to the moving of retirement accounts.  The most common types of retirement accounts will be briefly defined & explained.  Afterward, discussion will follow about several ways that individuals can move their retirement assets, along with ways to avoid potential pitfalls that could occur in the process.  Information & reference materials will be available to attendees of this seminar.  Each person present will have an equal chance to win a Money Smart  "door prize" just for attending this event.
October 8, 2010 Kimberly	Capital's Critters Kiddie Karnival Kids learn the basic principles of earning, saving and making smart money choices at this free, fun carnival of educational games and activities like Pin the Tail on the Pig, Plinko, the Cash Cow Toss and more.  Targeted for kids age 12 and younger and their parents.  Everyone is welcome to attend!
October 8, 2010 Port Washington	The ABC's of Saving Please join us for fun activities and tips on how to be a Money-Smart Kid. Open to all children ages 5-10, parents are welcome.
October 8, 2010 Fond du Lac	Home Buying Seminar Discussing guides for responsible homeownership and differences between mortgage products.
October 8, 2010 Fond du Lac	Tax Planning Saving for College/Higher Ed There are tax breaks available for attending college for the taxpayer and dependent. This session will explain the Hope Credit, Lifetime Learning Credit, Tuition and Fees Deduction and Student Loan Interest Deduction.
October 8, 2010 Green Bay	Dinner & Movie NWTC Students are invited for dinner and the opportunity to view a fun movie that addresses money management.
October 9, 2010 Milwaukee	Steps to Homeownership
October 9, 2010 Juneau	Credit Fair A morning of financial education to assist you as you gain control of your financial future. Free credit reports and scores with a personal review of your report. 9:00 FICO Scoring 9:45 (Re-) Establishing Credit 10:30 Smart Spending 11:15 Free lunch for everyone registered 11:45 Mortgage Financing Pre-registration is required
October 9, 2010 Balsam Lake	All Friends of Polk County Libraries Gathering The Friends-sponsored conclusion to Money Smart week in Polk County will include library Friends members and supporters.  Speakers and topics include Dana Frey, Polk County administrator; Maltee McMahon, Bremer Foundation; and small group discussions of Friends' fund-raising ideas, networking for libraries, and how to encourage community support for local libraries.
October 9, 2010 Fond du Lac	Shred Fest Bring your outdated financial records for destruction to this "Shred Fest." A shredding truck will be on site to destroy these records immediately. There will be a maximum of 3 boxes accepted per person.
October 9, 2010 Fond du Lac	How to Navigate the Home Loan Process Neil Kotter will speak about the various home-loan options available for home buyers, why and when it is wise to refinance your home, required documentation, timelines for both purchases and refinanced homes and how your credit score affects your home loan. In addition, he will discuss how the "mortgage crisis" has affected lending policies and property values, followed up with an opportunity to ask questions and consult one-on-one.
October 9-1, 2010 Campbellsport	Understanding Wills, Trusts and Powers of Attorney Philip Shepherd is an attorney specializing in estate planning. If you have ever wondered why, or if you need a will, this presentation is for you. He will explain the reasons and realities behind the documents. He will discuss wills, trusts and financial and health care powers of attorney. He also will look at how these documents and others can help avoid court proceedings such as probate and guardianships. There will be plenty of time for discussion and questions.
October 9, 2010 Fond du Lac	5 Easy Steps to Buying the Perfect Home By following the five easy steps in this presentation, you and your family will be on your way to buying the perfect home.
October 9, 2010 Menomonie	Focus on College Funding This educational workshop helps parents gain a better understanding of: *   Current college education costs *   College funding options and tax advantages *   Pros and cons of other funding options, such as loans and financial aid
October 9, 2010 Watertown	Wise Saving and Spending Chilldren need to learn sound saving and spending habits at a young age. We will be reading "Alexander, Who Used To Be Rich Last Sunday" which teaches wise spending decisions. Each child will be making a bank and receiving an activity booklet. Ages K-3rd grade.
October 9, 2010 Green Bay	Penny the Pig Workshop (1 - 5 graders with parent/caregiver) This workshop will teach youth in 1st through 5th grade how to allocate their money - saving, spending, donating, and investing. Children in 1st through 5th grade will receive a Penny the Pig Bank. No cost to attend, child must be accompanied by a parent/caregiver.
October 9, 2010 Green Bay	Shred Fest Opportunity to bring and shred personal finance documents.
October 9, 2010 Fond du Lac	The Ins and Outs of Mortgage Loans What you need to know for you on the topic of mortgage loans and refinancing in today's unique market. Session will include discussion of: - What to know about getting a mortgage to buy a new home - How to save time and money - What to know before refinancing your current mortgage - Avoiding unnecessary fees - Comparison home-loan shopping techniques
October 9, 2010 Green Bay	Third Annual Tour of Affordable Homes Visit homes prices at $150,000 or less, offered by local realtors. The open house locations will be published in special housing supplement of the Green Bay Press Gazette on October 9, 2010.   *Must provide your own transportation*
October 9, 2010 Milwaukee	Your Credit, Your Home & Your Future
October 12, 2010 Wausau	Home Buyer Education This is the second session of a two-part workshop designed to help home buyers become familiar with the home buying process.  The 6-hour program involves many community partners that have a role in this process.  The first session will be held Oct 5th at UW Extension in Wausau from 6:00 - 9:00 p.m.   Get Smart Wausau is a group of professionals committed to help people in Wausau and surrounding areas make good financial decisions.   Home Buyer Workshops are offered three times annually in addition to other programs throughout the year.
October 23, 2010 Appleton	Fox Cities Money Conference The Conference is a nonprofit event; there is no pressure to buy anything or to open any financial accounts, just an opportunity to learn about personal finance.   We are offering over 30 one-hour classroom sessions throughout the day from retirement planning to frugal menu planning, with age-appropriate sessions for children between the ages of 6 and 18, and free childcare for children between 2 and 5 (advance registration for childcare essential).   Three classroom sessions will be conducted in Spanish and three in Hmong.   Every participant may receive a free copy of his or her credit report, complete with three-digit credit score. There is a $5.00 early-bird admission charge ($2.50 for kids), which also includes continental breakfast and lunch, and door prizes throughout the day.    Scholarships are available; call Asset Builders at 608 663 6332 for information.