MONEY SMART April 18-25, 2015 Free to attend and free from sales pitches, Money Smart Week® is a public awareness initiative of the Federal Reserve Bank. More than 500 events across Michigan are made possible by the collaborative contributions of hundreds of organizations and individuals from the public, private and non-profit sectors. Session topics range from the very basic to advanced, and provide something for every season of life and knowledge level. Visit MoneySmartWeek.org for complete details and Be A Money Smarty! (PROGRAMS ARE 18+ UNLESS OTHERWISE NOTED) CREDIT & DEBT MANAGEMENT HEALTHY HABITS THAT SAVE TAKING CONTROL OF YOUR FINANCES: A Plan to Reduce Debt and Build Savings. Learn to avoid debt and build a more secure financial future through budgeting strategy, spending habits, and investment ideas. You can do it! WHY WE BUY — THE PSYCHOLOGY OF SPENDING! Learn what motivates spending so you can manage and save your money more effec- tively. TIME: 9:30 AM-11:30 AM ADDRESS: Royal Oak Public Library 222 E. Eleven Mile Rd. Royal Oak, 48067 20 ADDRESS: Ferndale Career Center 713 E. Nine Mile Rd. Ferndale 48220 RSVP: 248.586.8930 gerard.baltrusaitis@ferndaleschools.org UNDERSTANDING YOUR CREDIT REPORT: Tips to Read Report and Improve Score. Learn about your credit score: how it is calculated, how to read a credit report, and how to rebuild or main- tain good credit. 24 TIME: 1:30 PM-3:30 PM ADDRESS: Michigan Works OAK PARK 22180 Parklawn Oak Park, 48237 RSVP: Community event, all are welcome ESTATE PLANNING WHY YOU NEED A WILL, NO MATTER HOW OLD - OR YOUNG YOU ARE: Workshop will provide the information and the advantages of creat- ing and keeping a will. Free to attend and free from sales pitches. Open to all. 21 - TIME: 6:30 PM-7:30 PM ADDRESS: University of Phoenix 26261 Evergreen Rd Southfield, 48076 RSVP: Community event, all are welcome GET YOUR DOCUMENTS IN ORDER: personal records, medical directives and will Put your mind at rest by making sure you have the basic documents everyone needs, from personal records, to a will, and medical directives. 23 TIME: 7:00 PM-8:30 PM ADDRESS: Bloomfield Township Public Library 1099 Lone Pine Rd Bloomfield Hills, 48302 RSVP: askadult@btpl.org 248.642.5800 21 TIME: 7:00 PM-8:30 PM RSVP: rosemary@ropl.org , 248.246.3715 INFO: First in a three-part money manage- ment/savings series offered by GreenPath Debt Solutions. HOUSING/MORTGAGES/ FORECLOSURES 18 SELLING YOUR HOME IN A TRANSITIONAL MARKET: Tips for Buyers and Sellers. Selling your home in a transitional market through short sales and what buyers must know to be success- ful in purchasing a home. Free and open to all. TIME: 11:30 AM-12:30 PM ADDRESS: University of Phoenix 26261 Evergreen Rd Southfield, 48076 IDENTITY THEFT AFFECTS ALL AGES: Learn Ways To Avoid Becoming a Victim. Learn the things that you need to be aware of to avoid being a victim of identity theft, along with steps to take if you do become a victim. 23 TIME: 6:00 PM-7:00 PM ADDRESS: Hope United Methodist Church 26275 Northwestern Hwy Southfield, 48076 RSVP: Community event, all are welcome INFO: Free childcare (ages 6 weeks to 5 years) available with our daycare provider Little Villages. INSURANCE AFFORDABLE CARE ACT: What You Need to Know. Get the Inside Scoop. Workshop information detailing information of the Affordable Care Act. This event is free and open to the public -- all are welcome. 18 TIME: 10:30 AM-11:30 AM ADDRESS: University of Phoenix 26261 Evergreen Rd Southfield, 48076 RSVP: None Needed, All Welcome RSVP: Community event, all are welcome INVESTING & WEALTH BUILDING UNDERSTANDING VA MORTGAGES: Don't Be Misled By Myths or Rumors. There are many myths around VA mortgages that need to be dis- pelled. Learn the benefits and savings avail- able to veterans. Childcare available. ARE YOU FINANCIALLY INSURED? Workshop provides information about life insurance, financial wealth, and investments. Free to attend and free from sales pitches. Open to all. 20 TIME: 6:00 PM-7:00 PM ADDRESS: Hope United Methodist Church 26275 Northwestern Hwy. Southfield, 48076 RSVP: None Needed, All Welcome INFO: Free childcare (ages 6 weeks to 5 years) will be available from Little Villages Daycare. IDENTITY THEFT/INVESTMENT SCAMS/FINANCIAL FRAUD PROTECT YOUR IDENTITY: Don't become a Victim of Identity Theft. Get the 411 on Identity Theft. The State of Michigan provides tips to safe-guard your personal information and protect your iden- tity. Open to all. 8 TIME: 10:30 AM-11:30 AM ADDRESS: University of Phoenix 26261 Evergreen Rd Southfield, 48076 RSVP: Community event, all are welcome 22 TIME: 6:30 PM-7:30 PM ADDRESS: University of Phoenix 26261 Evergreen Rd. Southfield, 48076 RSVP: Community event, all are welcome SO YOU WANT TO BE RICH? Principles of Wealth Management. Open to all. Workshop provides information pertaining to wealth, investment, and how to increase wealth potential. Free to attend and free from sales pitches. 25 TIME: 9:30 AM-10:30 AM ADDRESS: University of Phoenix 26261 Evergreen Rd. Southfield, 48076 RSVP: Community event, all are welcome MONEY MANAGEMENT FOR WOMEN DIVORCE AND FINANCIAL SURVIVAL: How to Minimize the Drain and Recover. Workshop provides infor- mation about the financial aspects of divorce and the possible financial recovery after a divorce. Free and open to all. 21 TIME: 6:30 PM-7:30 PM ADDRESS: University of Phoenix 26261 Evergreen Rd Southfield, 48076 RSVP: Community event, all are welcome DESIGN YOUR LIFE PLAN WITH MOMBIZ CREATOR: Balance Family Life and Career. The creator of MomBiz will talk about how to start planning ahead for a rewarding life as both mother, and entrepreneur. 22 TIME: 10:30 AM-12:00 PM ADDRESS: Bloomfield Township Public Library 1099 Lone Pine Rd. Bloomfield Township, 48302 RSVP: askadult@btpl.org , 248.642.5800 INFO: Program is designed for parents who want to balance starting a business with their home life. PERSONAL FINANCE 101/ BUDGETING WHAT TO KNOW ABOUT BANKRUPTCY & RECOVERY FROM BANKRUPTCY: This workshop will detail bankruptcy and the steps to take to recover from bankruptcy. Free and open to the public. 18 TIME: 11:30 AM-12:30 PM ADDRESS: University of Phoenix 26261 Evergreen Rd Southfield, 48076 RSVP: Community event, all are welcome QUESTIONS ABOUT BANKRUPTCY? Recovery from Bankruptcy? What You Need to Know This workshop details all you should know about bankruptcy and the recovery from bankrupt- cy. Event is open to all. 21 TIME: 5:30 PM-6:30 PM ADDRESS: University of Phoenix 26261 Evergreen Rd Southfield, 48076 RSVP: Community event, all are welcome.