Fiscal Wellness

Fiscal wellness is the ability to understand our financial situation. This involves being able to control and maintain a balance of income and expenditures. It is important to make financial decisions that allow one to save, invest and plan for the future.

SECC- Final Days to Give!

SECC

 

To those of you who have already given, congratulations we are nearly to our 2017 goal!  If you haven’t had the chance to participate there is no better time than now!  We are nearly to our goal and with just a $1 a pay period contribution you can help ensure we meet that goal by the end of the month!  Remember the campaign ends on November 30th so there is only one day left to give!    Donate Today, Don’t Delay!

If every person eligible to participate in the campaign donated just $1 a pay check for a year we would raise over $698,000!  While $1 a pay period may not seem like a lot to you, collectively it can mean a world of difference to those in need!

The SECC Statewide is a workplace giving campaign that offers you the opportunity to donate to one or more of the more than 400 charities that participate via payroll contribution, check or cash.  Giving through your work place is as easy as ever!

 

Not sure how much to give?  See below for what $1 a pay check can do:

  • $1 a pay check provides an individual diagnosed with Type 2 Diabetes with a cookbook to help them learn what and how to eat to manage everyday living. (Community Health Charities of Wisconsin)
  • $1 a pay check pays for a low-income family’s membership in our CSWA through our Food-to-Share fund. (Community Shares)
  • $1 a pay check provides a set of guidebooks and hiking trail maps for the more than 30 public preserves for the use of school groups during their visits. (EarthShare Wisconsin)

 

Again, it’s quick and simple!  I encourage you to log in and consider making a contribution because every dollar really does make a difference.

The campaign runs through November 30th.  If you have questions or would prefer paper materials, please call 608.256.1066.

To make your pledge online (please note, the online tool is only for state employees who work outside Dane or Milwaukee counties):

  • Go to seccstatewide.wi.gov
  • Click on the link for State employees
  • To register click on ‘Yes’ under “Is this your first time logging into this system?” (if you used the system last year, please click on ‘No’ and use your username and password from last year).
  • Choose your department and fill out the information to register.
  • Follow the instructions on the website to complete your pledge.
  • If you would like to give via cash or check or would prefer paper materials, please call 608.256.1066.

Wisconsin Retirement System (WRS) Webinars Offered in December

etf

ETF is offering a series of 30-minute, live, interactive webinars designed to increase your understanding of Wisconsin Retirement System benefits. Individuals can also ask questions at the end of these sessions.

Additional Contributions

Find out how making additional contributions to your WRS account can potentially increase your retirement. This webinar also provides examples of how contributions grow over time with interest, how to pay additional contributions (payroll deduction or direct pay), etc.

  • Mon, Dec 4, 2017 11:30 a.m – 12:00 p.m
  • Thu, Dec 14, 2017 11:00 a.m – 11:30 a.m
  • Tue, Dec 19, 2017 12:00 p.m – 12:30 p.m

 

Choosing When to Retire

This webinar will focus primarily on choosing your optimal termination and WRS benefit effective dates. The focus will include not only the “December versus January” decision, but also how retirement timing at any point during the year can affect your retirement annuity amount and other employee retirement benefits as well.

  • Tue, Nov 21, 2017 11:30 a.m – 12:00 p.m
  • Thu, Nov 30, 2017 11:00 a.m – 11:30 a.m
  • Tue, Dec 5, 2017 11:00 a.m – 11:30 a.m
  • Mon, Dec 11, 2017 12:30 p.m – 1:00 p.m
  • Tue, Dec 12, 2017 6:00 p.m – 6:30 p.m
  • Thu, Dec 21, 2017 12:00 p.m – 12:30 p.m

 

Beneficiary Designations-What Happens to My Account When I Die?

Do you have a beneficiary designation on file with ETF and does it reflect how you’d want your WRS death benefits paid? This webinar reviews the importance of having a beneficiary designation on file and keeping it updated as life events occur. We’ll also review the process of how to correctly complete a designation form, what it means if you do not have one on file with ETF, and how to request a copy of your current form. 

  • Tue, Dec 5, 2017 12:30 p.m – 1:00 p.m
  • Fri, Dec 8, 2017 11:30 a.m – 12:00 p.m
  • Tue, Dec 12, 2017 11:00 a.m – 11:30 a.m
  • Mon, Dec 18, 2017 12:00 p.m – 12:30 p.m

 

Retirement Annuity Options

Choosing a WRS annuity option is one of the most important decisions you will face. This webinar will cover all of the WRS annuity options and help you understand them so that you can make an informed decision. We will also explain the important differences between a beneficiary and a named survivor.

  • Wed, Dec 13, 2017 6:00 p.m – 6:30 p.m
  • Thu, Dec 14, 2017 12:30 p.m – 1:00 p.m
  • Wed, Dec 20, 2017 11:30 a.m – 12:00 p.m
  • Thu, Dec 21, 2017 11:00 a.m – 11:30 a.m

 

 Register for a webinar

Please contact Human Resources at (920) 465-2390 or payrollandbenefits@uwgb.edu with any questions.

Public Service Loan Forgiveness Program

The Public Service Loan Forgiveness program can help employees pay off their student loans.  This program forgives the remaining balance on qualified federal loans after borrowers have made 120 qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying employer, such as the University of Wisconsin System.  Further information can be found at the Department of Education website at https://studentaid.ed.gov/sa/repay-loans/forgiveness-cancellation/public-service.StudentLoan

There are a number of federal income-based repayment plans, including the Pay As You Earn Repayment Plan (PAYE) and the Revised Pay As You Earn Repayment Plan (REPAYE), both of which has monthly payments of ten percent of discretionary income (the difference between your annual income and 150% of the poverty guideline for your family size). Whether the Public Service Loan Forgiveness program is right for an individual can vary.  A student loan borrower needs to work for ten years in a public service qualifying employer to receive the loan forgiveness benefit.  Therefore, for many borrowers, the standard 10-year repayment option may be the best option and examining the total cost of different federal repayment options can be helpful.

The above information was provided by the UW-System Office of Academic and Student Affairs.

The Department of Education recommends that if you would like to qualify for this program now or in the future, you would complete the Employment Certification form as soon as possible. You would complete sections 1 and 2 of this form, as well as the Public Service Loan Forgiveness fax cover sheet (https://uwservice.wisconsin.edu/docs/publications/voe-uws-pslf-request.pdf), and fax or mail (don’t email due to the confidential information on the form) the forms to the UW-Service Center.

 

Plan Ahead for Food, Fast—Not Fast Food

GroceryAt the end of a long day, coming up with a recipe, stopping at the store, and making a meal can be more than you can manage.

Instead, plan ahead for what you want to cook and need to buy. This can keep you from splurging on high-calorie, costly takeout or restaurant meals.

Find a system that works for you, whether it’s posting your menu and grocery list on your refrigerator or entering it into an app or spreadsheet.

Keep It Healthy

These tips can help you prepare healthy, low-fat meals:

  • Keep fresh and frozen vegetables on hand. A supply of salad greens and other veggies makes it easy to whip up a salad. And frozen veggies can be quickly warmed up in the microwave for a side dish.
  • Stock your pantry with healthy ingredients so you can create nourishing dishes with little fuss. Include brown rice, whole wheat pasta, kidney and black beans, cans of diced tomatoes, olive oil, and your favorite spices.
  • Use your grill. Outdoor barbecues and indoor electric grills cook foods quickly and with less fat than pan frying or sautéing.
  • Make meatless meals, which are healthier and less expensive. Food items like almonds, black beans, chia seeds, chickpeas, edamame, Greek yogurt, lentils, and tofu are all excellent sources of protein.

Make It Fast

When time is of the essence, keep these tips in mind:

  • Look for recipes with few ingredients. Less measuring, slicing, and dicing make dinner come together faster.
  • Use your food processor. These machines are great for chopping vegetables and blending sauces.
  • Master quick-cooking techniques. Stir-frying and microwaving take less time than stewing, for example.
  • Double your recipes and freeze them in meal-sized containers. Soups, stews, casseroles, and grilled meats freeze beautifully.

Article from The StayWell Company, LLC

ETF Learning Opportunity Update — Cleveland Presentation

etf

Know Your Benefits: WRS Employee Benefits Seminar in Cleveland

Attend a Wisconsin Retirement System employee benefits seminar and come away with a greater understanding of your WRS benefits and how they work. These one-hour evening presentations, hosted by the Department of Employee Trust Funds in cities throughout Wisconsin, are designed for all members, especially those who are within five years of retirement. Topics covered include the retirement process itself, return-to-work rules, the Core and Variable Trust Funds, beneficiary designations, purchasing service, how “life events” affect your benefits, and much more. Questions are encouraged – stick around for the Q&A session afterward!

 

WRS Employee Benefits Seminar

Wednesday, November 8

6:30 p.m. to 7:30 p.m.

 

Lakeshore Technical College

Centennial Hall, Room L177

1290 North Avenue, Cleveland 

 

Please contact Human Resources at (920) 465-2390 or payrollandbenefits@uwgb.edu with any questions.

 

Get Financially Fit with ETF’s Financial Fitness Program

  • Tuesday, November 7thMoneyJar
  • 12:00 to 12:30 p.m.

Get ready for an engaging, informative ETF webinar on how to improve your overall financial wellness through our online Financial Fitness Program! This exciting new program, available at no cost to WRS members, has 3 core moves:

  1. Financial  Fitness CHECKUP™ -Benchmark your financial well-being
  2. Financial  Fitness ACADEMY™ – Build your financial savvy with courses that meet your life goals
  3. Financial Fitness COACH™ – Get one-on-one financial coaching from a certified financial advisor

Learn how to access and use dozens of online Financial Fitness Program tools designed to help you take charge of your financial future, including: creating an emergency fund, setting a budget, saving for college, preparing for retirement, and much more.

The Financial Fitness Program is available at no cost to all Wisconsin Retirement System members. There will be time at the end of the webinar to ask specific questions about the program, which is offered in partnership with the Department of Employee Trust Funds, Department of Financial Institutions, Professional Fire Fighters of Wisconsin and the Wisconsin Retired Educators’ Association.

Hurry! Space is limited. Register now for this free webinar, hosted by ETF.

 

Wisconsin Retirement System (WRS) Webinars Offered in November

etf

ETF is offering a series of 30-minute, live, interactive webinars designed to increase your understanding of Wisconsin Retirement System benefits. Individuals can also ask questions at the end of these sessions.

Additional Contributions

Find out how making additional contributions to your WRS account can potentially increase your retirement. This webinar also provides examples of how contributions grow over time with interest, how to pay additional contributions (payroll deduction or direct pay), etc.

  • Mon, Nov 6, 2017 12:00 p.m. – 12:30 p.m.
  • Thurs, Nov 9, 2017 11:30 a.m. – 12:00 p.m.
  • Mon, Nov 13, 2017 6:00 p.m. – 6:30 p.m.
  • Wed, Nov 29, 2017 12:30 p.m. – 1:00 p.m.

Choosing When to Retire

This webinar will focus primarily on choosing your optimal termination and WRS benefit effective dates. The focus will include not only the “December versus January” decision, but also how retirement timing at any point during the year can affect your retirement annuity amount and other employee retirement benefits as well.

  • Fri, Nov 10, 2017 12:00 p.m. – 12:30 p.m.
  • Wed, Nov 15, 2017 6:00 p.m. – 6:30 p.m.
  • Tues, Nov 21, 2017 11:30 a.m. – 12:00 p.m.
  • Thurs, Nov 30, 2017 11:00 a.m. – 11:30 a.m.

How to Use ETF’s Online Retirement Calculator

ETF’s online retirement calculator, one of the most-used tools on our website, allows you to calculate an unofficial projection of your WRS retirement benefit at any point in the future. This webinar will cover where to find and how to use the calculator, specific information required for data entry (e.g., desired retirement date, spouse or partner’s birthdate, etc.) and how to interpret the results. There will be time at the end of the webinar to ask specific questions on this topic.

  • Thurs, Nov 2, 2017 11:30 a.m. – 12:00 p.m.
  • Wed, Nov 8, 2017 12:00 p.m. – 12:30 p.m.
  • Thurs, Nov 16, 2017 12:30 p.m. – 1:00 p.m.
  • Thurs, Nov 30, 2017 6:00 p.m. – 6:30 p.m.

Variable Fund

In this webinar we will discuss the Variable Fund – what it is, how it differs from the Core Fund, and the effect participation in this fund may have on your retirement benefit calculations. We will also discuss how to elect to participate in the Variable Fund, how to cancel Variable participation, and the impact the timing of these decisions may have on your Wisconsin Retirement System benefits.

  • Mon, Nov 6, 2017 6:00 p.m. – 6:30 p.m.
  • Tues, Nov 7, 2017 11:00 a.m. – 11:30 a.m.
  • Mon, Nov 20, 2017 11:30 a.m. – 12:00 p.m.
  • Thurs, Nov 30, 2017 12:30 p.m. – 1:00 p.m.

 

 Register for a webinar

Please contact Human Resources at (920) 465-2390 or payrollandbenefits@uwgb.eduwith any questions.



Well Wisconsin Incentive deadline is October 20th

WellWIIf you are covered under the State of Wisconsin Group Health Insurance program, you are eligible for a $150 incentive to complete a health screening and assessment.  For more information about the incentive, please visit the Stay Well website, and click on “Learn More” by Well Wisconsin.  The deadline is Friday, October 20, 2017.

Cooking demo held October 3rd

Pizza JoleneSell AppleOatmealOnaBudgetCrop

Thank you to Jolene Sell, Registered Dietician with Chartwells and Sydney Keidl, Nutrition Intern, for presenting a cooking demonstration for us on Tuesday, October 3rd about “Healthy Eating on a Budget”!  We enjoyed delicious samples of apple cinnamon overnight oats, turmeric-ginger marinated chicken, pesto-prosciutto flatbread and gluten-free apple cheddar cheese toast.  Mark your calendar for their next cooking demo on Tuesday, November 7th at Noon!