Date	July 2009 S M T W T F S 28 29 30 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 1 2 3 4 5 6 7 8
Category	All Categories Auto Purchase/Lease Basic Banking Services Basic Personal Finance Budgeting and Saving Credit Emergency Finance Planning (Health Care, Unemployment, Disaster) Entrepreneurship Estate Planning General Personal Financial Planning Home Buying Identity Theft Income Tax Insurance Investing and Saving Retirement Planning Small Business Student Loans Other
City	All Cities Germantown Hartford Janesville Kewaskum Madison Manitowoc Ripon Sheboygan Slinger Watertown West Bend
Find Events near you - use our Search by Zip Code feature.

July 16, 2009 Ripon	Save Money on College! This comprehensive workshop will be presented by the educational non-profit group, American College Planners. It reveals proven strategies to meet the high cost of college. With increasing costs and admissions competitiveness, preparing for college can be a daunting task. Cost: Free!
July 16, 2009 Madison	Save Money on College! This comprehensive workshop will be presented by the educational non-profit group, American College Planners. It reveals proven strategies to meet the high cost of college. With increasing costs and admissions competitiveness, preparing for college can be a daunting task. Cost: Free!
July 23, 2009 Madison	Save Money on College! This comprehensive workshop will be presented by the educational non-profit group, American College Planners. It reveals proven strategies to meet the high cost of college. With increasing costs and admissions competitiveness, preparing for college can be a daunting task. Cost: Free!
July 23, 2009 Ripon	Save Money on College! This comprehensive workshop will be presented by the educational non-profit group, American College Planners. It reveals proven strategies to meet the high cost of college. With increasing costs and admissions competitiveness, preparing for college can be a daunting task. Cost: Free!
August 6, 2009 Ripon	Save Money on College! This comprehensive workshop will be presented by the educational non-profit group, American College Planners. It reveals proven strategies to meet the high cost of college. With increasing costs and admissions competitiveness, preparing for college can be a daunting task. Cost: Free!
September 9, 2009 Watertown	Save Money on College! This comprehensive workshop will be presented by the educational non-profit group, American College Planners. It reveals proven strategies to meet the high cost of college. With increasing costs and admissions competitiveness, preparing for college can be a daunting task. Cost: Free!
September 22, 2009 Janesville	Save Money on College! This comprehensive workshop will be presented by the educational non-profit group, American College Planners. It reveals proven strategies to meet the high cost of college. With increasing costs and admissions competitiveness, preparing for college can be a daunting task. Cost: Free!
October 10, 2009 Germantown	Beating the Financial Squeeze This program will provide you with the tools to develop and implement a successful spending plan (budget) to help you take control of your finances.
October 10, 2009 Germantown	Stretching Your Food Dollar Groceries and food are large items in everyone's budget.  Learn how to save 10% or more on your monthly food bill.
October 10, 2009 Germantown	Understanding and Establishing Credit Learn the basic steps of how to establish credit and how this can affect you in the future.
October 12, 2009 Manitowoc	Saving Money is Cool Help young children learn the "cool" way to learn about money, spending, & saving.  Cool Cat will show young children why saving is important, how to save, & where to keep their savings. Also available for older children is "Let's Save for the Future".  This activity book was created to teach older children the value of saving money & the function of financial instutions. Activity books are free to children that stop in at the Manitowoc Branch of M&I Bank during Money Smart Week.
October 12, 2009 Manitowoc	Fraud Fighter Presentation This is an educational presentation providing information to citizens regarding the latest scams and cons being committed against the public as well as the tools needed to help protect against this victimization.  AARP has trained several volunteers in Wisconsin to provide tools (education) to protect its citizens from scam artists who are on the prowl to victimize trusting persons. Linet Lewerenz works as your local fraud fighter volunteer in the Appleton, Manitowoc, and Green Bay areas. In addition to this informative presentation, many helpful handouts are provided with investment fraud, identity theft, and computer protection advice with contact information. This is a can't miss presentation to help protect yourself against financial, consumer, and other types of fraud.
October 12, 2009 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 12, 2009 West Bend	Getting The Job You Want In a tough economy, it's more important than ever to learn the secrets to finding the job you've always wanted.  Learn how to tap into the hidden labor market, create a resume that gets results and shine on any interview.
October 12, 2009 West Bend	Conservative Investing Plan ahead for your retirement.  If already retired,  find out how you can utilize your assets to your greatest potential.
October 12, 2009 West Bend	Organize Your Financial Records Determine what documents to keep, the cost of not getting organized, and how long to keep records.  Also explore the value of a Financial Notebook and how it can provide peace of mind for you and your family.
October 12, 2009 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 12, 2009 West Bend	Funeral Pre-Planning Become a more informed consumer when planning your funeral while learning how to protect your pre-funded funeral plan from Title 19.
October 12, 2009 West Bend	Conservative Investing Plan ahead for your retirement.  If already retired, find out how you can utilize your assets to your greatest potential.
October 12, 2009 Manitowoc	Smart Charitable Giving Qualifications: Over 70 1/2 Don't itemize deductions Have an IRA Have charitable interest   If you meet the qualifications, you can make your charitable contributions to your church or favorite charity cost you less.  Uncle Sam will willingly join in the gift.  I will show you how. For example, a 75 yr old taxpayer with taxable income of $16,600, $8000 of which comes from her IRA, saved $102 on a $1000 pledge to her church.  She was going to make the gift anyway - but this way she saved 10%! There are other pooled funds which may actually increase income for the life of the taxpayer.  Come learn about them!
October 12, 2009 Manitowoc	Simplifying Estate Planning What do you have?  What 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 12, 2009 manitowoc	Budgeting- Helping families save money
October 12, 2009 Sheboygan	Health Savings Accounts: What You Should Know *What is a Health Savings Account?  How does a Health Savings Account work?  Who is eligible for a Health Savings Account?  Learn the answers to these questions and more during this one hour seminar.
October 12, 2009 West Bend	Checking Account Basics Find out if you're in the right checking account for your personal needs and how to manage that checking account.
October 12, 2009 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 12, 2009 Manitowoc	On the Right Track - 10 Questions People Often Ask About Mutual Funds This presentation will explain how investing in mutual funds may help individuals reach their financial goals by providing answers to their most commonly asked questions.  It will define what a mutual fund is, detail the types of mutual funds that are available and point out the benefits of diversification.  There will be ample time for questions from attendees.
October 12, 2009 Manitowoc	Common Sense Strategies for Tough Economic Times The title says it all!  We will be discussing some common sense strategies for tough economic times.  In addition, we will discuss community resources available to those in need.  There will also be time set aside for specific question(s)/answer(s).
October 12, 2009 West Bend	Penny the Pig If you are looking for ways to teach your children about spending and saving money you need to attend this session.  The session is for parents and their children from ages 3 - 10.  All children attending with a parent will receive a Penny the Pig bank.  You must call 262-306-9241 to register as space is limited.
October 12, 2009 Manitowoc	Education Expenses and Credits With the number of people heading back to school, we are here to answer your questions about the benefits of a higher education. We can help with the FASFA forms.
October 12, 2009 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 12, 2009 West Bend	Affordable Home Ownership-The Habitat Way Habitat for Humanity will explain how "sweat equity", "biblical economics" and "faith into action" provides home ownership opportunities to Washington County low-income families.
October 12, 2009 Manitowoc	Avoiding Bankrutpcy Bankrutpcy statistics will be presented, along with, common causes of bankrutpcy and how to avoid them.  Options and community resources available to help avoid bankrutpcy will also be presented.
October 13, 2009 Manitowoc	Saving Money is Cool Help young children learn the "cool" way to learn about money, spending, & saving.  Cool Cat will show young children why saving is important, how to save, & where to keep their savings. Also available for older children is "Let's Save for the Future".  This activity book was created to teach older children the value of saving money & the function of financial instutions. Activity books are free to children that stop in at the Manitowoc Branch of M&I Bank during Money Smart Week.
October 13, 2009 Manitowoc	Reverse Mortgages - Can I get one? A reverse mortgage is a special type of mortgage that enables older homeowners to convert part of the equity in their homes into tax-free disbursements.  The payments are reversed.  Instead of paying a lender each month, the lender pays you!  The loan is repaid when you sell, transfer your interest, or no longer occupy the home.  The remaining equity goes to you or your heirs. If you are a homeowner age 62 or older, a reverse mortgage can provide you with additional income to help you stay in your home.  Attend this presentation to find how to put one of your most valuable assets to work for you!
October 13, 2009 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 13, 2009 Manitowoc	Medicaid Planning This seminar will address various issues regarding financial planning for the nursing home including Medicaid/Title XIX rules regarding divestment (i.e., gifting), the Deficit Reduction Act changes to those rules, and gifting a home with a retained life estate.
October 13, 2009 Kewaskum	Identity Theft Understanding what Identity Theft is, how it can happen and what you can do to protect yourself.
October 13, 2009 Manitowoc	Estate Planning This seminar will address various issues regarding estate planning include the difference between a trust and a will, the importance of powers of attorney and probate avoidance techniques.
October 13, 2009 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 13, 2009 Kewaskum	Conservative Investing Plan ahead for your retirement.  If already retired, find out how you can utilize your assets to your greatest potential.
October 13, 2009 Sheboygan	Health Savings Accounts: What You Should Know *What is a Health Savings Account?  How does a Health Savings Account work?  Who is eligible for a Health Savings Account?  Learn the answers to these questions and more during this one hour seminar.
October 13, 2009 Manitowoc	On the Right Track - 10 Questions People Often Ask About Mutual Funds This presentation will explain how investing in mutual funds may help individuals reach their financial goals by providing answers to their most commonly asked questions.  It will define what a mutual fund is, detail the types of mutual funds that are available and point out the benefits of diversification.  There will be ample time for questions from attendees.
October 13, 2009 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 13, 2009 Kewaskum	You and Your Credit Report Learn what a credit report contains and how this information is used by your creditors to determine whether you will be considered for a loan.  Find out who the three major credit bureaus are and how you can obtain a Free copy of your credit report.
October 13, 2009 Manitowoc	Distribution Planning/Opportunities for Retirees This is a must attend workshop for individuals that are within five to ten years of retirement or those individuals who have retired.  Covered topics include: critical opportunity to do tax planning with Roth Conversions in 2010 and required minimum distribution; 401K and IRA opportunities/pitfalls; long-term care financing; beneficiary designations and estate planning regarding qualified plans and IRAs; and if variable annuities/equity indexed annuities should be part of a retirees portfolio.  Presenter Craig Siminski is a CFP(R) and Chartered Advisor for Senior Living.
October 13, 2009 Kewaskum	Food Shopping Smarts Food shopping doesn't have to be a tedious task.  We'll use a hands-on activity to choose low-cost foods and to build a healthy, balanced diet.  We'll also discuss strategies for thrifty shopping and for eating away from home.
October 13, 2009 manitowoc	First time Filers Just getting out into the workforce, we can offer some advice on how to file and help with your w4's.
October 13, 2009 Kewaskum	Affordable Home Ownership-The Habitat Way Habitat for Humanity will explain how "sweat equity", "biblical economics", and "faith into action" provides home ownership opportunities to Washington County low-income families.
October 13, 2009 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 14, 2009 Manitowoc	Saving Money is Cool Help young children learn the "cool" way to learn about money, spending, & saving.  Cool Cat will show young children why saving is important, how to save, & where to keep their savings. Also available for older children is "Let's Save for the Future".  This activity book was created to teach older children the value of saving money & the function of financial instutions. Activity books are free to children that stop in at the Manitowoc Branch of M&I Bank during Money Smart Week.
October 14, 2009 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 14, 2009 Manitowoc	Distribution Planning/Opportunities for Retirees This is a must attend workshop for individuals that are within five to ten years of retirement or those individuals who have retired.  Topics covered include: critical opportunity to do tax planning with Roth Conversions in 2010 and required minimum distribution planning; 401K and IRA opportunities/pitfalls; long-term care financing; beneficiary designations and estate planning regarding qualified plans and IRAs; and if variable annuities/equity indexed annuities should be part of a retirees portfolio.  Presenter Craig Siminski is a CFP(R) and Chartered Advisor for Senior Living.
October 14, 2009 West Bend	Build a Pig Parents, take home free activity guides to help teach your children about money while your kids (ages 3 - 12) learn fun money facts and build their very own Piggy CU to take home.
October 14, 2009 West Bend	Master Your Auto Buying Skills Learn the ins and outs of car buying, including how to negotiate the best deal, when to buy, and what to consider in service contracts and GAP insurance.
October 14, 2009 West Bend	It's Your Credit Review the different elements that make up your credit report.  Get your questions answered, like, will closing an old credit card lower my score, and, is it bad to apply for credit at several places in the same month?  Learn how to improve your credit score and get a free copy of your report from each of the credit reporting agencies.
October 14, 2009 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 14, 2009 West Bend	Buying A Home Learn how to find the right home, about key players:  real estate agents, appraisers, inspectors, lenders, and become familiar with the types of mortgages and the mortgage process.
October 14, 2009 West Bend	Preventing Identity Theft Raising awareness throughout the community about Identity Theft and recent Phishing Scams.
October 14, 2009 Manitowoc	Smart Charitable Giving Qualifications: Over 70 1/2 Don't itemize deductions Have an IRA Have charitable interest   If you meet the qualifications, you can make your charitable contributions to your church or favorite charity cost you less.  Uncle Sam will willingly join in the gift.  I will show you how. For example, a 75 yr old taxpayer with taxable income of $16,600, $8000 of which comes from her IRA, saved $102 on a $1000 pledge to her church.  She was going to make the gift anyway - but this way she saved 10%! There are other pooled funds which may actually increase income for the life of the taxpayer.  Come learn about them!
October 14, 2009 Sheboygan	Health Savings Accounts: What You Should Know *What is a Health Savings Account?  How does a Health Savings Account work?  Who is eligible for a Health Savings Account?  Learn the answers to these questions and more during this one hour seminar.
October 14, 2009 Manitowoc	Simplifying Estate Planning What do you have?  What 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 14, 2009 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 14, 2009 West Bend	Beating the Financial Squeeze This program will provide you with the tools to develop and implement a successful spending plan (budget) to help you take control of your finances.
October 14, 2009 West Bend	Funeral Pre-Planning Become a more informed consumer when planning your funeral while learning how to protect your pre-funded funeral plan from Title 19.
October 14, 2009 West Bend	Understanding and Establishing Credit Learn the basic steps of how to establish credit and how this can affect you in the future.
October 14, 2009 Manitowoc	General Investing Made Easy General Investing Made Easy - we will go over 5 main topics and discuss the basics for the following areas:       1.  You control your money     2.  Basic investing Strategies     3.  Your investment Choices     4.  Risk     5.  Measuring performance
October 14, 2009 Manitowoc	First time homebuyers Credit We are here to help you understand the first time homebuyers credit and answer any questions you may have.
October 14, 2009 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 14, 2009 Manitowoc	Passports, Work Permits, Marriage Licenses, Voter Registration, & Running For Public Office Passports, work permits, marriage licenses, voter registration, and running for public office.  Find out what you have been missing from County Clerk Jamie Aulik.  There will be a short presentation on each topic with a question session to follow.
October 14, 2009 West Bend	Stretching Your Food Dollar Groceries and food are large items in everyone's budget.  Learn how to save 10% or more on your monthly food bill.
October 15, 2009 Manitowoc	Saving Money is Cool Help young children learn the "cool" way to learn about money, spending, & saving.  Cool Cat will show young children why saving is important, how to save, & where to keep their savings. Also available for older children is "Let's Save for the Future".  This activity book was created to teach older children the value of saving money & the function of financial instutions. Activity books are free to children that stop in at the Manitowoc Branch of M&I Bank during Money Smart Week.
October 15, 2009 Manitowoc	Advanced Funeral Planning Advanced Funeral Planning
October 15, 2009 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 15, 2009 Hartford	Getting The Job You Want In a tough economy, it's more important than ever to learn the secrets to finding the job you've always wanted.  Learn how to tap into the hidden labor market, create a resume that gets results and shine on any interview.
October 15, 2009 Hartford	Buying A Home Learn how to find the right home, about key players:  real estate agents, appraisers, inspectors, lenders, and become familiar with the types of mortgages and the mortgage process.
October 15, 2009 Hartford	It's Your Credit Review the different elements that make up your credit report.  Get your questions answered, like, will closing an old credit card lower my score, and, is it bad to apply for credit at several places in the same month?  Learn how to improve your credit score and get a free copy of your report from each of the credit reporting agencies.
October 15, 2009 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 15, 2009 Hartford	Master Your Auto Buying Skills Learn the ins and outs of car buying, including how to negotiate the best deal, when to buy, and what to consider in service contracts and GAP insurance.
October 15, 2009 Hartford	Conservative Investing Plan ahead for retirement.  If already retired, find out how you can utilize your assets to your greatest potential.
October 15, 2009 Hartford	Build A Pig Parents, take home free activity guides to help teach your kids about money while your kids (ages 3 - 12) learn fun money facts and build their very own Piggy CU to take home.
October 15, 2009 Sheboygan	Health Savings Accounts: What You Should Know *What is a Health Savings Account?  How does a Health Savings Account work?  Who is eligible for a Health Savings Account?  Learn the answers to these questions and more during this one hour seminar.
October 15, 2009 Manitowoc	Faced with Lose of a Job We are here to answer questions on what you can use as tax deductions while you are looking for a job.
October 15, 2009 Hartford	Understanding and Establishing Credit Learn the basic steps of how to establish credit and how this can affect you in the future.
October 15, 2009 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 15, 2009 Hartford	Stretching Your Food Dollar Groceries and food are large items in everyone's budget.  Learn how to save 10% or more on your monthly food bill.
October 15, 2009 Manitowoc	Wisconsin's new Partnership for LTC The government cannot afford to provide Long Term Care for the baby boomers as they age (or those who are already using Medicaid) for Long Term Care.  This new Partnership program is "bribing" us to take some personal responsibility - and they will cover the rest.  Learn how this new program for 2009 works and how to take advantage of it.
October 15, 2009 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 15, 2009 manitowoc	First Time Homebuyers Credit We will help you better understand the credit and the requirements to recieve this credit.
October 15, 2009 Hartford	Affordable Home Ownership-The Habitat Way Habitat for Humanity will explain how "sweat equity", biblical economics", and "faith into action" provides home ownership opportunities to Washington County low-income families.
October 15, 2009 Hartford	Beating the Financial Squeeze This program will provide you with the tools to develop and implement a successful spending plan (budget) to help you take control of your finances.
October 16, 2009 Manitowoc	Saving Money is Cool Help young children learn the "cool" way to learn about money, spending, & saving.  Cool Cat will show young children why saving is important, how to save, & where to keep their savings. Also available for older children is "Let's Save for the Future".  This activity book was created to teach older children the value of saving money & the function of financial instutions. Activity books are free to children that stop in at the Manitowoc Branch of M&I Bank during Money Smart Week.
October 16, 2009 Manitowoc	Common Sense Strategies for Tough Economic Times The title says it all - we will discuss various strategies for tough economic times.  In addition, community resources will be presented for those in need.  There will be time set aside for specific question(s)/answer(s).  Hope to see you there!
October 16, 2009 Manitowoc	Avoiding Bankruptcy Bankrutpcy statistics will be presented, along with, common causes of bankrutpcy and how to avoid them.  Options and community resources available to help avoid bankrutpcy will also be presented.
October 16, 2009 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 16, 2009 Manitowoc	Faced with lose of a job While you are out searching for a job, we can assist you by letting you know what you may be able to dedution on you taxes.
October 16, 2009 Slinger	Shopping Smarts: Save Money, Eat Healthy Food shopping doesn't have to be a tedious task.  We'll use a hands-on activity to choose low-cost foods and to build a healthy, balanced diet.  We'll also discuss strategies for thrifty shopping and for eating away from home.
October 16, 2009 Slinger	You and Your Credit Report Learn what a credit report contains and how this information is used by your creditors to determine whether you will be considered for a loan.  Find out who the three major credit bureaus are and how you can obtain a Free copy of your credit report.
October 16, 2009 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 16, 2009 Manitowoc	"Getting Your Affairs in Order" When Baby Boomers start turning 65 in 2011, 10,000 people will turn 65 everyday and that will continue for the next 20 years.  Many people will find themselves either needing care, or in a caregiving role. This program will focus on a family guide produced by the AARP Foundation to help participants get their personal affairs organized.  Participants use a  five step plan which covers topics such as:  communicating with family members and others, organizing a caregiving team,  assessing needs and who can address them, making a plan, and plan implementation. Participants will find this program user-friendly and helpful in making their adult caregiving decisions either for themselves or for an adult they are, or will be, caring for in the future. What a great opportunity to get your thoughts, plans, and paperwork organized!
October 16, 2009 Slinger	Conservative Investing Plan ahead for your retirement.  If already retired, find out how you can utilize your assets to your greatest potential.
October 16, 2009 Slinger	Preventing Identity Theft Raising awareness throughout the community about Identity Theft and recent Phishing Scams.
October 16, 2009 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 17, 2009 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 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.