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      DASH for the STASH

      Wondering how to build your nest egg? Hire a financial advisor? Prevent investor fraud? Play DASH for the STASH an investor education/protection program and contest taking place April 15 - May 15, 2015 as part of Financial Literacy Month.

      The DASH for the STASH contest works much like a scavenger hunt. But instead of collecting objects, players gather information and leave answers to quiz questions. To play, visit the Library and you will find the four posters in the Adult Services Department. Read each poster, access the quiz question and choose an answer.

      The primary goal for the DASH program is to arm investors, particularly young investors ages 20–35, with the unbiased and non-commercial information they need to make crucial investing decisions. This includes, but is not limited to, investors having the knowledge and resources to find suitable advisors; avoiding investment scams, fraud and schemes; realizing and evaluating the fees associated with particular investments; and understanding the benefits and rules of tax-sheltered 401(k) and IRA tools.

      The primary goal for the DASH program is to arm investors, particularly young investors ages 20–35, with the unbiased and non-commercial information they need to make crucial investing decisions. This includes, but is not limited to, investors having the knowledge and resources to find suitable advisors; avoiding investment scams, fraud and schemes; realizing and evaluating the fees associated with particular investments; and understanding the benefits and rules of tax-sheltered 401(k) and IRA tools. - See more at: http://www.iinvest.org/programs/dash-for-the-stash/#sthash.99vJk4PK.dpuf

      How to Pay Dash for the STASH

      1. Read the content of each poster. Posters are located in the Adult Services Department.
      2. Scan the unique QR code to access that topic’s quiz question (or use the URL below the QR code).
      3. Submit the answer via smart phone, tablet, laptop, or computer.

      Poster Topics

      Contest Rules

      No purchase is necessary to play. Winner will be chosen in a random drawing of eligible participants who log the correct answer for all four posters. Winner will receive the prize as $1,000 to open or add to an IRA, sent directly to the winner’s bank or brokerage firm for the express purpose of opening or making a 2015 contribution to an IRA. Winner must provide proof of eligibility to contribute to an IRA for 2015 and will not receive cash, nor any other form of payment in lieu of the IRA contribution. For IRA eligibility, check www.IRS.gov.

      This investor education and protection program and contest is open April 15-May 15. IPI will randomly select contest winner(s) in early June 2015 from entries with all correct answers in each participating jurisdiction. Prize sponsors are the Investor Protection Institute (IPI) and participating State Securities Regulators. The IPI and all participating states provide independent, non-commercial investor education and protection material.

      For more information, visit http://www.iInvest.org.

      Investing Web Sites

      Investor Protection Institute

      “The Investor Protection Institute (IPI) is an independent nonprofit organization that advances investor protection by conducting and supporting unbiased research and groundbreaking education programs.”

      Securities and Exchange Commission

      “The mission of the U.S. Securities and Exchange Commission is to protect investors, maintain fair, orderly, and efficient markets, and facilitate capital formation.”“The mission of the U.S. Securities and Exchange Commission is to protect investors, maintain fair, orderly, and efficient markets, and facilitate capital formation.”

      SEC EDGAR

      Research publicly traded companies.

      Investor.gov

      SEC’s site for investor education, including investing basics, researching your broker or advisor, and financial calculators and other tools for investors.

      Office of the Illinois Secretary of State’s Securities Department

      “The department is responsible for the regulation of the securities industry in Illinois and protection of investors by ensuring compliance with the law and investigating any complaints of fraud or improper practices.”

      North American Securities Administration Association (NASAA)

      “State securities regulators serve the investing public in your state and play a unique role in their protection.”

      U.S. Commodity Futures Trading Commission

      “The mission of the Commodity Futures Trading Commission (CFTC) is to foster open, transparent, competitive, and financially sound markets, to avoid systemic risk, and to protect the market users and their funds, consumers, and the public from fraud, manipulation, and abusive practices related to derivatives and other products that are subject to the Commodity Exchange Act.”

      Financial Industry Regulatory Authority's Broker Check

      “FINRA oversees the people and firms that sell stocks, bonds, mutual funds and other securities. Simply type in your current or prospective broker’s name to see employment history, certifications, and licenses—as well as regulatory actions, violations or complaints you might want to know about. You also can get information about your broker’s firm. There’s no reason not to check.” Investor Tools.

       

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      Money Smart Week April 18-25, 2015

      Highland Park Public Library will be hosting two (2) programs during Money Smart Week® April 18-25, 2015 to help consumers learn to manage money wisely. These events are some of the more than 3,500 free classes, seminars and activities promoting financial education that will take place during that week nationwide.

       

      Highland Park Public Library Programs

      Identity Theft: Take Immediate Action (Tuesday, April 21 at 7:00 pm)

      Identity theft occurs when a criminal obtains and uses someone else’s personal information to purchase goods and services fraudulently. A fast response to identity theft is the best way to minimize the damage to your name and financial health. This presentation by Illinois Attorney General Lisa Madigan’s Office will discuss the steps you need to take if your identity is stolen and how to prevent identity theft in the future.

      Game Plan for the Second Half of Your Life: Estate Planning (Wednesday, April 22 at 7:00 pm)

      This estate planning overview will coach you through the winning legal strategies you can use for a successful future using wills, trusts, and powers of attorney. This seminar will be presented by Kenneth M. Bloom, attorney, CPA, and partner of the Chicago estate planning law firm Peck Bloom, LLC.

      Calendar of Events

      Visit moneysmartweek.org to locate an event in the area, pick up a print calendar at the Highland Park Public Library, check out our website hplibrary.org, or call the Information & Reader Services (847-681-7031).

      What is Money Smart Week?

      Money Smart Week® (MSW) is a national education campaign designed to help consumer better manage their personal finances. The program consists of public and private partner organizations offering thousands of free classes, seminars and other educational activities. Events hosted by partner organizations including libraries, financial institutions, government agencies, media, and nonprofits.

       

      Launched in 2002 by the Federal Reserve Bank of Chicago, MSW began as a one-city program in Chicago and has grown to 49 states, with more than 3,500 events and 250,000 participants annually. “Money Smart Week began as a coordinated effort among a small group of Chicago-area organizations working to promote financial literacy," says Alejo Torres, Senior Outreach Manager at the Federal Reserve Bank of Chicago. “Today, Money Smart Week continues to expand nationally, providing greater awareness of, and access to, personal finance resources for all.”

      National Partners

      American Library Association, Certified Financial Planner Board of Standards, the Consumer Financial Protection Bureau, the Financial Planning Association, and the USDA (United States Department of Agriculture) Cooperative Extension.

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