Rent Smart Class
Wednesdays, May 15 & 22, 2013
1:00 PM-3:00 PM
At the Green County Human Services Auditorium, N3152 Hwy 81, Monroe
MUST ATTEND BOTH SESSIONS to receive your Certificate of Completion
1. How Much Will it Cost?
2. Money for Rent.
3. Making the Most of Your Credit Report.
4. Finding a Place to Live.
5. Checking Out the Rental Unit and the Landlord.
6. The Rental Application Process.
7. Understanding Rental Agreements.
8. Maintenance: Who is Responsible for What?
9. Home Maintenance: Keeping it Clean and Safe.
10. Communicating with Your Landlord and Neighbors.
11. Moving On: Notice, Security Deposits and Evictions.
Local Financial Education Opportunity
The University of Wisconsin-Extension, Cooperative Extension, and the University of Wisconsin-Madison Center for Financial Security, are pleased to announce the 2013 Pathways Conference Financial Security over the Life Course taking place online the week of June 3-7, 2013. The conference aims to inform the work of financial educators and anyone interested in learning about personal finance to help themselves and others. This conference will be provided in a distance education format, and one or two speakers will address multiple topics each morning throughout the first week of June. See the agenda below.
There are two ways you can participate. The conference will be made available for free as a webinar at the Green County UW-Extension office. Contact our office for more information or to register and attend, 608-328-9440. You may also choose to register and participate online from your home or office (there is a $50 registration fee) https://pathways2013.wordpress.com/ or by phone, 608-262-2451.
The Pathways 2013 Conference has been approved by the AFCPE® CEU Department for continuing education unit credits. Conference participants will earn 8.75 CEUs for the AFC certification. Upon completion of the conference, CEU credit will be given to participating individuals. Additional CEU opportunities may be announced as the event comes closer.
Monday, June 3rd
9am-10:15am - Financial Security over the Life Course presented by J. Michael Collins, Associate Professor, UW-Madison
Tuesday, June 4th
9am-10:15am – College Savings and 529 Plans
Jim DiUlio, Director, Wisconsin 529 Savings Program and Catherine Burdick, Senior Marketing Manager, Edvest College Savings Plan
10:30am-11:45am – Financial Capability Services for Military Families and Veterans presented by Consumer Financial Protection Bureau, Servicemember Afairs
Wednesday, June 5th (Keynote)
9am-10:15am – Keynote address by Helaine Olen - author of the recently published book “Pound Foolish”. Olen has been featured on The Daily Show, National Public Radio, Fortune, The New York Times, and Forbes.
Thursday, June 6th
9am-10:15am – Retirement Rules of Thumb presented by Kelli B. Send, Senior Vice President Client Services, Francis Investment Counsel
10:30am-11:45am – Financial Apps and Technology presented by Carolyn Hall McMahon, Innovation Strategist, Doorways to Dreams Fund
Friday, June 7th
9am-10:15am – Consumer Protection presented by Representative from the Office of the Wisconsin Attorney General (Invited)
Financial Coaching and Counseling Training
All Day Friday June 28, 2013- SAVE THE DATE!
Deb Neubauer, Director of the Financial Education Center in Madison,
Bridget Mouchon, Family Living Agent, Green County Extension
We will be focusing on the most essential background and content related information and skills we need to work with low-to-moderate income individuals’ and families’ personal finances.
- Budget/Spending plans, including emergency
- Credit and rebuilding bad credit
- Counseling and coaching techniques
- Economic supports and referrals
- Special topics and audiences (Still working on this) – Domestic violence, AODA, and parole/jail populations
Cutting Back and Keeping Up When Money is Tight
Whether it’s due to a drop in income, a big unexpected expense, or the cost of everyday living overtaking your paycheck, there are steps you can take to get a handle on your finances – and your financial stress. Read the entire UW-Extension publication or contact the Green County UW-Extension Family Living Educator at 608-328-9440 for more information.
Reverse Mortgages: Get the Facts Before Cashing in on Your Home’s Equity
Whether seeking money to finance a home improvement, pay off a current mortgage, supplement their retirement income, or pay for healthcare expenses, many older Americans are turning to “reverse” mortgages. They allow older homeowners to convert part of the equity in their homes into cash without having to sell their homes or take on additional monthly bills.
In a “regular” mortgage, you make monthly payments to the lender. But in a “reverse” mortgage, you receive money from the lender and generally don’t have to pay it back for as long as you live in your home. Instead, the loan must be repaid when you die, sell your home, or no longer live there as your principal residence. Reverse mortgages can help homeowners who are house-rich but cash-poor stay in their homes and still meet their financial obligations.
To qualify for most reverse mortgages, you must be at least 62 and live in your home. The proceeds of a reverse mortgage (without other features, like an annuity) are generally tax-free, and many reverse mortgages have no income restrictions. To find additional “facts for consumers” check out the website at http://www.ftc.gov/bcp/edu/pubs/consumer/homes/rea13.shtm
- American Savings Education CouncilThe American Savings Education Council (ASEC) is a nonprofit national coalition of public- and private-sector institutions undertaking initiatives to raise public awareness about what is needed to ensure long-term personal financial independence.
- Consumer and Economic Development Research and Information Center (CEDRIC)
Searchable database on numerous personal finance subjects
- Consumer Reports for Kids
- Federal Trade Commission
- Financial Help for EveryoneWebsite of Myvesta, a non proit consumer education organization
- Money in MarriageMoney in Marriage is a collection of interactive activities and resources for educational programs designed to increase communication and money management skills of engaged or recently married couples.
- National Endowment for Financial EducationThe National Endowment for Financial Education® (NEFE®) is a non-profit 501 (c) (3) foundation dedicated to helping all Americans acquire the information and gain the skills necessary to take control of their personal finances.
- Personal Financial Education – There’s A Lot To Learn About MoneyContains numerous educational resource links on a host of personal finance subjects.
- Retirement Planning via the WebThis page lists some of the Web Sites that provide information about the amount of money you need to save for retirement.
- Social Security Administration
- The Investors ClearinghouseInvestor information from the Alliance for Investor Education
- The Young Investor WebsiteA website with links and information geared individually towards kids, teens, parents and teachers. Contains different areas for each group with links and activities for investing, planning and earning.