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.

   "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! 

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.

 

"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.

"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.

"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.

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

Speaking topics will include: 

Living on a budget. 

Living without debt. 

Strategies to deal with current debt. 

Emergency Savings. 

Basics of Credit Reports.

"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.

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.

 

"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.

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.

 

Advanced Funeral 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.

"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.

"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.

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.

 

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.

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.

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.

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.

 

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.

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.

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.

 

"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.

"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.

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.

 

"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.

Advanced Funeral Planning

 

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.

"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.

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.

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.

 

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.

"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.

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.

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.

 

"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.

"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.