Money Smart Week April 22-29, 2017

Social Security and Final Expenses

Monday, April 24, 4:00pm – 5:00pm
Hubbard Room

Please join us for a presentation by William Beyer and Lawrence 'Bud' Reading of Bankers-Life which will cover the basics of Social Security and Estate / Final Expense Planning. The Social Security presentation will include:

  • Social Security Basics – What it is, how I qualify, how it is funded, how long it will last, and the latest government changes to the program.
  • How and when to claim – Full retirement age, spousal benefits, widow benefits, divorced spouse benefits.

The Estate / Final Expense Planning presentation will include:

  • Purpose of a will/trust – do I need one? What does each do?
  • Planning for final expenses, average costs, estate costs, probate costs.
  • Tools used for estate planning – tax free, probate free solutions.

Plenty of time will be available to answer your questions on these topics. 

Registration is requested but not required. Sponsored by Russell Library Money Smart Week and the Job and Career Group.

Using Excel to Manage your Investments

Tuesday, April 25, 2017, 2:00 pm
Meeting Room 3

This class will focus on using an Excel spreadsheet to list off of your investments, bank accounts, savings, and stock information in a single location (in case of injury or death in the family).
Drop-in, no registration.

All Sewn Up

Tuesday, April 25, 3:00pm – 5:00pm
Hubbard Room

Learn basic clothing maintenance and repair in order to reduce trips to the dry cleaner or tailor. Russell Library's workshop will provide guidance on fixing hems, sewing on buttons, and repairing split seams. Participants will also be able to learn how to iron a shirt, skirt, or pants. See how an investment in a package of needles, several spools of thread, an iron and an ironing board can mean real savings for your budget!

For ages 14+ only.
Registration suggested but not required. Please call the Information Services Desk at 860-347-2520 to register.

Getting Your Financial House in Order

Tuesday, April 25, 6:00pm - 7:45pm
Hubbard Room

This free workshop is offered during Money Smart Week. Topics will include a current look at the markets and the economy, risks and returns of investing, budget and debt management, planning ahead for retirement and strategies for wise investing.

This informational workshop will be presented by Kathryn Dennen and Chad Burroughs, Northwest CT Chapter members of the Society for Financial Awareness. Sponsored by The Friends of the Russell Library.


Using Excel to Manage your Household Budget

Wednesday, April 26, 2017 - 2:00 pm
Meeting Room 3

This class is designed to help you plan, manage and understand your finances... and know where your money is being spent!   
Drop-in, no registration.

Couponing for Teens

Wednesday, April 26, 6:00pm – 7:00pm
Activity Room

Need new clothes for school, a dance, or a date? Come learn how to use apps on your phone to be thrifty and get good deals! Teen Librarian and Master Couponer Heather Scussell will walk you through getting deals on makeup, apparel, and much more.   
Grades 7 - 12.
Registration is required, in person or by phone, (860) 344-8479.

How to Pay for College without Bankrupting Yourself and Your Children

Wednesday, April 26, 6:30pm
Hubbard Room

With education costs rising year after year, paying for college is a concern for most families. Additionally, the financial aid process can be confusing, intimidating, and often frustrating. Leave your checkbooks at home;, nothing will be sold at this seminar, just solid information for your financial aid planning.
Topics covered:
-How families of all income levels may be eligible for financial aid
-Which colleges offer the best financial aid packages
-How to avoid costly mistakes on the FAFSA and CSS Profile
-How private universities can cost less than a state school
-How students can potentially receive more free money and fewer loans

Presented by Peter Leppones, CFP, Financial Advisor at Apella Capital LLC.
Light refreshments provided.
Drop-in, no registration. 

Provided with support from The Friends of the Russell Library.

Proposal Writing A to Z: Maximize Your Chances with Foundations

Friday, April 28, 10:00am – 5:30pm
Hubbard Room

Russell Library, 123 Broad Street, Middletown. This full day workshop will feature the ins and outs of grant proposal writing. It combines a comprehensive review of the proposal writing process with practical advice to increase your chances of success with foundations. Participants will learn:
-Facts and fiction about foundation grants
-How to assess your organization's grant-seeking readiness and its funding needs
-Fundamentals of proposal customization
-Submission techniques designed to get your proposal noticed
-How to follow up and what to do if the answer is 'yes' or 'no.'

Judi Margolin, an independent consultant, workshop leader on grants and foundations will be the presenter. She served as Vice President for Planning and Evaluation at the Foundation Center in NYC and has published numerous books on the grants process.
 Lunch and refreshments provided.
Registration required, limit of 25 participants. Contact the Russell Library at 860-347-2520 to register.
Sponsored by The Friends of the Russell Library. 

How to find a grant - Learn about Grants Databases Available at the Russell Library

Saturday, April 29, 10:30am – 12:00noon
Meeting Room 3

The Russell Library has access to several online resources which provide information on foundations, grants and the grant process. This session is a hands on event, there will be an overview of the various resources available at the Russell Library, and then time for participants to work on their own grant needs. Laptops are provided or you can bring your own. 
Registration is requested, but not required.


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