Brookfield/Elm Grove Monthly

Freeman Brookfield & Elm Grove • Page 3A MAY 2016 FRIDAYS 6:30 to 9:00 p.m. WaukeshaFridayNightLive.com Friday Night Live hosts several music stages and many of downtown businesses are open! The party continues indoors after 9:00 p.m. with live music! June until October HEAR the sounds of Waukesha's Friday Night Live TASTE the products of the Waukesha Farmers' Market FEEL the Love & Life of Waukesha! ENJOY Shopping & Dining in Downtown Waukesha For all things Waukesha go to LiveLoveWaukesha.com Waukesha's Information Station www.LiveLoveWaukesha.com 249861026 Presented by The Waukesha Downtown Business Association SUMMER IN DOWNTOWN WAUKESHA WAUKESHA'S FRIDAY NIGHT LIVE & FARMERS MARKET SATURDAYS 8:00 a.m. to 1:00 p.m. WaukeshaFarmersMarket.com Come to the Market for fresh, locally grown produce, hot food, great gifts and friendly atmosphere! Market will be located on west side of river due to construction. Until November Presented by The Waukesha Downtown Business Association 247929018 2016 SUMMER FUN GUIDE There are endless possibilities of summer fun in Waukesha County. Find exciting and interesting things to do to keep you and your family busy all summer long. See what's new in summer fun! Pick up a copy of the 2016 Summer Fun Guide in the June edition. By Katherine Michalets Freeman Staff WAUKESHA — In a few short weeks, area teenagers will be starting summer jobs and bringing home their first paychecks, creat- ing a perfect time for par- ents to discuss financial values and planning with their teens. To help facilitate that con- versation, Waukesha State Bank will hold a 45-minute presentation May 14 at Mar- cus Majestic Theatre in the Town of Brookfield, fol- lowed by a free showing of "Captain America: Civil War." Devon Arnold, Waukesha State Bank's vice president of retail banking manage- ment, said it's important for parents to go over the basics of a paycheck with their teens, including the deductions. In addition, it's a good time to discuss creat- ing a budget, he said. "The bulk of the message is how critical a budget is and understanding expens- es and the planning pro- cess," he said. Often, Ar nold said, teenagers are not prepared for the realty of some of the expenses they will face at different stages of their lives. Parents should encourage their children to pay for expenses first and to put money into a savings account before spending on things they want. He adheres to the concept of paying yourself first. "You need to look at the savings component as any other type of expense," Arnold said. Justin Ker n, marketing and communications man- ager for Make A Difference — Wisconsin, agreed. He said educating teenagers about finances is consid- ered "just-in-time educa- tion" because it comes when that population is get- ting its first paychecks and thinking about college and cars. His organization has been empowering teenagers with financial education skills and resources since 2006. Make A Difference — Wis- consin trains volunteers with business experience to go into schools to teach them financial literacy. "It's also the time that is most fraught with mis- takes," Kern said. Make A Difference — Wis- consin is collaborating with Waukesha State Bank on the May 14 program. Waukesha State Bank will be using the nonprofit's curriculum. Kern cautioned that for many adults some financial skills may seem easy, but it's critical that teenagers learn them. A real-world lesson that often alarms students par- ticipating in Make A Differ- ence — Wisconsin pro- grams is keeping track of expenses. "As we work with them, they are amazed when they look over what they spend money on," he said. Ar nold said students should lear n the conse- quences of paying with debit or credit cards on a person's finances. "That's a concern that we see, from the banking standpoint. I always tell my bankers you really need to take the time to educate," Arnold said. A result of so many using credit and debit cards to pay for purchases is that they are not feeling their money and not as aware of the amount of cash they have in banking accounts. Weighing needs versus wants Ar nold said it's impor- tant for kids to learn the idea of figuring out how much money they have and then weighing what they need and want. "I think we have raised kids that, if I want it, I get it now," he said. "It's a shock when they join the real world and they just can't have everything." It's important for both teens and adults to balance their checkbooks regularly, or if not that, then at least monitor the online bank account, Arnold said. "A checking account is a great way to manage your funds, but you need to be doing it well," he said. Being financially literate at a young age can save a person from pain later in life. And Ar nold said Waukesha State Bank has found young people to be appreciative of the lessons they teach. To lear n more about Waukesha State Bank's financial literacy event for teenagers and to register, call 262-549-8539 or email a g i l l i n g h a m @ w a u ke s h a - bank.com. Email: kmichalets@conleynet.com Pets From Page 1A difference. ■ Keep toys around that stimulate your pet's curiosity. ■ Groom your pets and keep them clean and pay attention to detail such as trim- ming nails. ■ Provide a clean and comfortable area in which they can relax and sleep — they need down time they same as you. ■ Spend time with your pet. Do not underestimate the emotional bond ani- mals form with their caregivers. Incorpo- rate your pet in your life and treat them like the family members they become, and treat them with the dignity and grace all of God's creatures deserve. "When people overfeed and over-treat and over-coddle and overdress, that goes against who pets are, biologically," Mendelsohn Thomas said of pets. "All animals are hunters. They can sur- vive in the wild without human beings." Free estimates • Bonded/Insured • Open Weekends! www.GlassProInc.net 262-679-4990 [West] • 414-525-1599 [South] • 414-453-1060 [North] Specializing in: Thermo-pane and Plate Glass Replacement, Mirrors and Tabletops, Auto Glass and Windshield Repair, Glass Block, Custom Shower Doors, Vinyl Replacement Windows 249861002 Foggy Windows a Problem? No need to replace the entire window, replace only the glass.. at a fraction of the cost! Glass Pro Inc. –– the glass replacement professional –– Teaching teens to be financially responsible pays off Tips for teaching teens about finances ■ Keep track of your expenses. ■ Look at needs and wants. It's important to understand what you need this week and need the rest of the month and year ver- sus what you want right now. ■ Create a budget based on expenses. Create goals, such as saving up for col- lege textbooks or a down payment for a car. ■ Develop a good habit of using a bank for savings and checking accounts. ■ Pay yourself first, which can be viewed as making an investment in yourself and your future. Source: Justin Kern, marketing & communications manager for Make A Difference — Wiscon- sin Lessons should include budgeting, tracking expenses, saving To subscribe, call 262-542-2500 or go online at: gmtoday.com/subscribe The FREEMAN Waukesha County's Daily Newspaper Have a news tip? Tell Katherine all about it. Managing Editor Katherine Michalets Phone: 262-513-2644 Email: kmichalets@conleynet.com Twitter: twitter.com/Freeman_Biz

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