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					      Getting Your Affairs                                                    Credit and College
                                                                                                                   Penn State Consumer Issues Website
            in Order                                                                                               http://consumerissues.cas.psu.edu
                                                                Program designed for parents and high school
Do you have your legal affairs in order in                      juniors and seniors to learn how to avoid credit   For additional program information and dates
the event of death or disability? Do you
have a current will, living will, durable
                                                                overspending at college. Help your teen under-
                                                                stand the in’s and out’s of wise credit use and
                                                                                                                   go to: the Penn State Cooperative Extension-                                       Family Living Financial
                                                                                                                   Central Region website and calendar:
power of attorney and medical power of                          how to shop for the best deal in credit cards.     http://www.extension.psu.edu/cnregion                                             Management Workshops
attorney? Learn why each of these docu-
ments, and getting your affairs in order                                     Childcare Trainings                   To learn more abut these programs con-
play an important role in helping your                                                                             tact:
family transition in the event of your inca-
pacitation or death.                                                  Check the website: www.pakeys.org for
                                                                         calendar of upcoming trainings            Robin L. Kuleck MSEd, CFCS
                                                                                                                   Extension Educator Resource Management
            Identity Theft                                                Bankruptcy Education                     Penn State Coop Extension in Elk County
                                                                                                                   Courthouse
                                                                Two-hour personal finance class that meets the     Ridgway, PA 15853
                        “It can never hap-                                                                         814-776-5331
                                                                requirements for Pennsylvanian’s seeking
                        pen to me!” Mil-                                                                           rkuleck@psu.edu
                                                                Chapter 7 and Chapter 13 Bankruptcy Protec-
                        lions of Americans
                                                                tion. Classes are scheduled the last Wednesday
                        thought that too,
                                                                of each month 6:00-8:00 p.m. at various loca-
                        until they learned,
                                                                tions throughout the four-county service area.
                        too late, that their
                                                                Registrations are centrally handled by Cathy
                        identities had been
                                                                Bowen at Penn State University. Cost is $40 or
                        stolen and their
                                                                $50 per couple.
                        credit ruined.                                                                             Penn State College of Agricultural Sciences research, extension, and resi-
                                                                http://consumerissues.cas.psu.edu/
                        Learn about the                                                                            dent education programs are funded in part by Pennsylvania counties, the
                                                                bankruptcy.html.
wide variety of scams that can separate                                                                            Commonwealth of Pennsylvania, and the U.S. Department of Agriculture.
you from your money and steps you can
take to prevent ID theft. Also learn what                                                                          Penn State encourages persons with disabilities to participate in its pro-
                                                                                                                   grams and activities. If you anticipate needing special accommodations or
to do in the event you suspect you are an
                                                                                                                   have questions about the physical access provided, please contact Robin L.
ID Theft victim.
                                                                                                                   Kuleck at 814-776-5331 in advance of your participation or visit.


     Who Gets Grandma’s                                                                                            This publication is available in alternative media upon request.
                                                                                                                                                                                                             Your Net Worth
      Yellow Pie Plate?                                                                                            The Pennsylvania State University is committed to the policy that all
                                                                                                                   persons shall have equal access to programs, facilities, admission, and
                                                                                                                   employment without regard to personal characteristics not related to ability,
Head off family disputes after your death                       Learning Today, Leading Tomorrow is a com-         performance, or qualifications as determined by University policy or by
by learning strategies to distribute your                       prehensive 4-unit (3 sessions each) leadership     state or federal authorities. It is the policy of the University to maintain an
untitled property. What is fair in deciding                     development program open to anyone living          academic and work environment free of discrimination, including harass-
who gets the family china, photograph                           and/or working in Cameron, Elk, McKean and         ment. The Pennsylvania State University prohibits discrimination and
albums, unique treasures that might have                        Potter Counties. Public officials, business peo-   harassment against any person because of age, ancestry, color, disability or
little financial value but enormous emo-                        ple, citizens who want to make a difference in     handicap, national origin, race, religious creed, sex, sexual orientation, or
tional attachment. $10 for workbook                             their own community or develop their personal      veteran status. Discrimination or harassment against faculty, staff, or stu-                College of Agricultural Sciences
                                                                                                                   dents will not be tolerated at The Pennsylvania State University. Direct all
                                                                leadership potential are encouraged to partici-
                                                                                                                   inquiries regarding the nondiscrimination policy to the Affirmative Action
                                                                pate. Fees charged.                                Director, The Pennsylvania State University, 328
                                                                                                                   Boucke Building, University Park, PA 16802-5901; Tel 814-865-4700/V,
       Penn State is committed to affirmative action, equal opportunity, and the diversity of its workforce.       814-863-1150/TTY.
Primary Service Area: Cameron, Elk, McKean, and Potter Counties
    Pennsylvania Saves                                    MoneyTalk for Women                                                                                  Mutual Funds: The Basics
                                                                                                        stocks, fixed-income securities, and mutual
Pennsylvania Saves is a four-unit workshop                                Women live longer, earn       funds. Tax-advantaged investing, low-cost in-
to help any family build a strong financial                                                             vestments and investor resources such as how      For many people, their first experience with mu-
                                                                          less, and have interrupted
foundation. Learn how to manage family re-                                                              to select a financial advisor and investment      tual funds is when they are faced with choosing
                                                                          work histories resulting in
cords and information, credit matters, saving                                                           fraud will also be presented. Workbook cost       their 401(k) or 403(b) retirement allocation.
                                                                          increased financial fragil-
and spending strategies.                                                                                $30.                                              Learn about how mutual funds work, fees in-
                                                                          ity. This interactive five-
                                                                                                                                                          volved, and how different types can help you
                                                                          unit workshop series
•   Let’s Get Organized—Family Record-                                                                                                                    achieve your goals Two-unit workshop series.
                                                                          helps women assess and
    keeping                                        improve their understanding of financial basics
•   Building a Better Budget—achieve your          including insurance, investing, retirement and                   Banking Basics
    financial goals by controlling how you         planning for other future events. $25 for 180                                                          Individual Retirement Accounts:
    choose to spend your money on needs            page workbook.
    and wants                                                                                                                                               IRA’s Traditional and Roth's
•   Cutting Credit Debt—Average American                                                                                            What’s the differ-
    families owe at least $9,000 in credit
                                                         Retirement Planning for                                                    ence between a
    card debt. Learn how to be above aver-                     Late Savers                                                          bank and a credit
    age by paying off your credit debt                                                                                              union? Learn how to                         Are you eligible to contrib-
•   Credit History and Identity Theft—what                                                                                          shop for the best                           ute to a Traditional or Roth
                                                   Two-unit workshop series that provides strate-                                   deal in savings ac-                         IRA? How much are you
    strategies you can do to maintain excel-       gies to catch-up and plan ahead, ways to in-
    lent credit and avoid ID theft.                                                                                                 counts, checking                            permitted to contribute?
                                                   crease retirement savings, stretch retirement                                    accounts, debit                             How do IRA’s fit in your
                                                   income, special retirement catch-up considera-                                   cards and certifi-                          retirement planning? Learn
                                                   tions and numerous resources and worksheets
              MoneySmart                           to help you personalize your retirement strate-
                                                                                                        cates of deposit (CD’s). Learn how to write                             the basic differences be-
                                                                                                        checks, maintain a checkbook register and how                           tween these two unique tax
                                                   gies. Cost is $10 for workbook.                      to reconcile (balance) your bank statements to    -planning strategies that can put you on a fast-
Test your personal money management                                                                     avoid overdrafting (bouncing) on your accounts.   track to retirement investing.
skills and identify areas that you could im-            Investing for Your Future
prove. Budgeting, credit, identity theft, insur-
ance, goal setting and investing are places
where small changes can yield enormous             Are you one of the 50% of American households              Diapers to Diplomas:                               VITA Volunteer Income
benefits.                                          that owns stocks, bonds, and mutual funds, ei-                                                                   Tax Assistance
                                                   ther directly, or through an employer provided           Conquering College Costs
                                                   retirement plan? Are
    Investing on a Shoestring                      your savings accounts                                                                                  Taxes, ugh! The federal and state taxation sys-
                                                   losing purchasing                                    For many families, paying                         tem actually offers numerous benefits to middle
                      Dream of wealth?             power after taxes and                                                                                  and lower-income working families. Appoint-
                      Learn wealth building                                                             for college is the second
                                                   inflation because they                               largest expense they incur.                       ments for FREE federal and state income tax
                      strategies that can help     are currently sitting in                                                                               preparation offered February—April 15.
                      secure your financial                                                             Numerous strategies exist
                                                   a low-interest bank                                  to help you save and pay                          Learn how to adjust your withholding so you get
                      future. Did you know         account? Investment                                                                                    a larger paycheck, how to get advanced earned
                      that mutual funds will                                                            for college for your kids,
                                                   choices are numerous and confusing but               grandkids, or even yourself!                      income tax payments with your paycheck, how
                      accept as little as $25 a    shouldn’t be overwhelming. This six-week work-                                                         the child tax credit and additional child tax cred-
month? For just under $1 a day saved and                                                                Coverdell Education Sav-
                                                   book based series helps you understand goal-         ings Accounts, 529 plans, U.S. Savings Bonds      its work and Pennsylvania’s special tax forgive-
invested you could be paving your way to a         setting, investment principles such as diversifi-                                                      ness and rent and property tax rebate programs.
secure financial future.                                                                                and other investment choices can help make
                                                   cation and ways to find money to invest. Spe-        college more affordable.
                                                   cific investments will be discussed including

				
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posted:12/11/2008
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