Most parents wonder how much is too much to spend on Christmas gifts for their children. Our friends at mint.com share some ideas in their latest blog.
Family holiday gatherings that include aunts, uncles, cousins, and grandparents can easily result in massive piles of gifts, even for children who are too young to really understand the concept of Christmas gift giving.
Of course, many families will buy one of these game consoles for “the kids” rather than for each child, but that’s still a big chunk of money for a lot of families.
The Rebound Since the 2008 Recession
After the global recession that started in 2008, the combination of high unemployment and a devastated housing market caused people to spend a lot less at Christmas.
Gallup surveys said that Americans spent 29% less on 2008 Christmas gifts than in 2007.
While spending in the US has not yet topped 2007 spending levels, it has gone up from its low of $681.83 in 2009.
In 2012, the average family spent around $750 on holiday gifts, and spending is expected to be up again in 2013, as unemployment has eased and the housing and automobile markets have started recovering.
Holiday Spending in 2012
In 2012, gift cards were at the top of a lot of wish lists.
People like getting them because of their flexibility, and people like giving them because it’s a lot easier to buy a gift card than to fight other shoppers for popular items and Black Friday specials.
In 2012, people spent just over $400 on gifts for family, around $75 on gifts for friends, and closer to $25 on gifts for co-workers.
Close to 60% of consumers bought gifts for themselves in 2012, and the figure is expected to remain the same in 2013.
The most requested items for Christmas last year were gift cards, clothing, media (books, CDs, DVDs, video games), electronics, jewelry, home décor, and sporting goods.
Discover Card Polls Holiday Spending
Released at the end of October, Discover Card’s holiday spending survey found that the average family will be spending 20% more this Christmas than last, with the average family spending just over $1000.
This includes gifts and other things, like holiday food, clothing, and dining out.
Marketing professional Dave Brennan of the University of St. Thomas says regional holiday budgets may be up by less than 20% over 2012, because in some regions, the rebound from the recession came early, causing some regions to experience a bigger bump in holiday spending in 2012.
Brennan told CBS Minnesota, “We have lower unemployment, we have good paying jobs, and things are coming back a lot faster here than they have in other places.”
What the National Retail Federation Says
The National Retail Federation’s numbers are a bit less optimistic than those collected by the Discover Card survey.
The NRF survey says the average shopper will spend $737.95 on gifts, décor, greeting cards, and other holiday items. This is 2% less than in 2012.
This year, the NRF asked shoppers if the government shutdown and general Washington gridlock would affect their holiday spending, and 29% of respondents said that it was “somewhat or very likely to affect” holiday spending.
Fifty-one percent of consumers said the general state of the economy would affect holiday spending, with 79% expecting to spend less overall.
Overall holiday spending this year is expected to make $602.1 billion for retailers.
The Prowl’s Survey of Shopping Moms
Shopping experience website The Prowl conducted a survey of 511 mothers on 2013 holiday spending and made some interesting discoveries about how much moms are spending, and how they’re spending it.
Their survey found that mothers expect to spend $224 on average for gifts for each child, and almost exactly the same amount ($221) on gifts for their husband or partner.
Compared to last year, moms planned to spend roughly the same, with 55% saying they would spend “the same” as last year, 23% saying they would spend more, and 22% saying they would spend less than in 2012.
As for how they plan to shop, 49% of mothers surveyed said they would make purchases on mobile devices this year, either on a phone, tablet, or both.
Clearly, braving the Black Friday crowds is not for everyone.
If you’re conflicted about how much you spend during the holidays, you’re not alone. Keeping holiday spending reasonable may require steps like:
• Not buying “presents” for yourself
• Making a spending plan before shopping
• Giving group gifts
• Drawing names for gifts at large family gatherings
• Using cash rather than debit or credit cards for holiday shopping
No parent should spend more than they can afford at Christmas, whatever holiday advertisements and peers say.
Kids can be remarkably practical when it comes to holidays, and most understand that they can’t get everything they want. In fact, seeing altruistic behavior often influences even young kids.
Children in the early elementary grades can understand the basics of how budgets work, so there’s no reason your children have to grow up with a blind expectation of getting everything they want at Christmas time.
Teach this lesson early, and you can expect less holiday guilt and less of a January spending hangover in the years to come.
13 free apps you need for the holiday-shopping season
The Wisconsin Office of the State Treasurer proudly teams up with WWBIC (Wisconsin’s Womens Business Initiative Corporation) for “Wisconsin Saves.” Each week, we will share with you a savings courtesy of WWBIC. This week, 13 Free apps you need for the holiday shopping season from WWBIC and Yahoo Finance!
(Most apps in the “gift” category are Christmas-themed, but that doesn’t mean you can’t use them for any holiday or occasion.)
Santa’s Bag – Christmas Gift List simplifies the process of managing your gift recipients, shopping, and budget lists. Quickly create gift profiles by selecting recipients from your phone’s contacts or Facebook profile. You can save each recipient’s favorite store and clothing size. And if simply checking an item off your to-do list isn’t specific enough, you can track the status of each gift: what you’ve bought, wrapped, and given. To ensure your gifts stay a surprise, you can password-protect the app. For iOS.
Christmas Gift List also lets you track gift ideas and budgets while password-protecting your plans. Add gift recipients, and set a budget per person or gift. If you’re giving abroad, this app supports multiple currencies. This app proves that by letting you share your lists via email, social media or Evernote. And at the end of the year you can archive your gift lists and start fresh. For Android.
For more tips and lots of deals, visit our guide to holiday shopping.
Shopping assistants and discount aggregators
Groupon is the digital-deal site you already know and love; this is the app version. For the gift-giving season, you can easily sort through deals under $50, for him or for her, or by recent promotion. In fact, Groupon’s offering 50 percent off your favorite magazine for a limited time. For iOS and Android.
ShopAdvisor tracks the price trend of products so you don’t have to. You can add that Nintendo 3DS game console your niece wants to your WatchList, and get an alert when the price drops down to what you’re willing to pay. In the interim, you can compare prices across retailers, and see what the average consumer ratings are. For iOS and Android.
Coupon App by Shopular and Black Friday Coupons Shopular let you leave the paper circulars at home and bookmark the deals from your favorite retailers right on your phone. Not sure if that cologne set is still on sale at Macy’s (which, by the way has one of the best loyalty-card programs)? No problem! With the wonders of geo-locating, this app pushes relevant deals to your smart phone as soon as you walk into the store. With more than 140 retailers participating, you’re sure to snag a deal or two. It even has a special section just for Black Friday circulars. For iOS and Android, respectively.
Smoopa Shopping is a price-checker app that puts you in control—and actually makes the process fun. It leverages the power of real-time aggregation by having the app users submit prices of items they’ve just purchased in store. You can also follow other user feeds and build collections of your favorite items. Just virtually scan a barcode or search for an item, pin it to a collection, and post the price you paid. But if building collections isn’t your thing, you can still benefit: If a store has the best deal on a product, a green button appears. If it doesn’t, Smoopa will give you a yellow button and show you where to score a better deal. For iOS and Android.
RedLaser is a mash-up of Smoopa and Shopular. Created by eBay, this app lets you browse online circulars and coupons, compare deals across retailers, search by the nearest stores with the best prices, and even store loyalty cards all in one app. You can also create and share shopping, gift and wish lists with your friends and family. For iOS and Android.
App safety tips
- To protect your phone against apps that may not be as private or safe as you’d wish, check our story on mobile security apps.
- How app-savvy are you? Take our quiz, “Would you download this app?” to find out.
- Regularly check for updates for your apps—and your mobile OS.
Find my car! Free and MyCar Locator Free are two of our favorite parking apps for college students, but the same benefits apply. These apps quickly record when and where you’ve parked, and store it in your smart phone for later. So when you leave the mall in a fog after that annual last-minute shopping marathon, you can avoid wandering aimlessly through the vast parking lot, because these apps give you walking directions to find your vehicle again (aided by Google Maps). Find my car! Free also has a timer to remind you when your metered parking is going to expire. For iOS and Android, respectively.
Discount Calculator (by ChuChu Train Productions) and Discount Calculator (by InfoLife, LLC.) are the apps you’ll be grateful for during your in-store shopping spree. Instead of guesstimating how much that Ninja Master Prep blender will cost you—plus tax, but after taking that extra 10 percent off at check-out—these calculators will do the math for you. Create a shopping list and input all of the prices to learn the exact dollar amount you’ll be spending. For iOS and Android, respectively.
Mobile Banking apps come in handy when you need to instantly access your accounts. Available from most major banks (including Bank of America, Capital One, Chase, and Wells Fargo), they allow you to transfer funds, deposit checks and pay bills with the tap of a finger. So you can stress less with making it to the bank before closing when you’re stuck in the that traffic jam during the holidays retailers call a return line. For iOS and Android.
This week, we travel to Jefferson County and offer a nod to law enforcement there who will likely be busy this Halloween week with all the “ghoulish” things ghost and goblins do this time of year! Here’s a look at the Top 5 people and businesses there with unclaimed assets. Do you see anyone on this list you know? If so, have check out www.wismissingmoney.com and search their name to make a claim. They can also call 855-375-CASH (2274)
Mary and Suzanne Brawn
Ok, so you aren’t the shop-til-you-drop, elbow-throwing, Black Friday type. Maybe you’d rather re-watch 90′s TV on NetFlix while you browse for deals. Don’t fret, the web is full of people trying sell you stuff. Our friends at www.wired.com shared their collection of holiday gear deals!
CLICK HERE to see them!
What is the Dormancy period for a “property” before it is considered unclaimed and law requires it be turned over to the State?
There are pages and pages of properties which have different dormancy periods. In general, things become unclaimed property and must be turned over to the state within 3-5 years. For a complete list, log onto our website www.wismissingmoney.com and click under the “Holder Reporting” tab, then “guide.” Here are some examples:
-inactive checking account
- FAQ Unclaimed Property: What Happens to Unclaimed Property When Owner Cannot Be Found? (wistatetreasury.wordpress.com)
- FAQ Unclaimed Property: How Can I Avoid Having Unclaimed Property? (wistatetreasury.wordpress.com)
The Wisconsin Office of the State Treasurer proudly teams up with WWBIC (Wisconsin’s Womens Business Initiative Corporation) for “Wisconsin Saves.” Each week, we will share with you a savings courtesy of WWBIC. This week, how to save on all the Thanksgiving trimmings…..
This year, Americans can be thankful that the cost of preparing a Thanksgiving meal will take a smaller bite out of their wallets. The average price of a feast for ten will be $49.04 this year versus $49.48 in 2012, according to the American Farm Bureau Federation’s informal price survey of items typically served for Thanksgiving dinner.
Admittedly, the price drop is small — but if you pair it with other money-saving strategies, you can significanlty lower the cost of a Thanksgiving meal. Here’s how:
Look for special turkey sales and promotions. The turkey is the priciest item, by far, on the table at Thanksgiving. The American Farm Bureau Federation found that a 16-pound turkey costs $21.76, on average, this year. But there are ways to get one for less. Some grocery stores, such as ShopRite, are running promotions that allow customers with the store’s club or rewards card to get a free turkey after spending a certain amount during the weeks before Thanksgiving. Waiting until the last minute to buy a turkey also might help you get it at a bargain price, according to AFBF.
Save on all the fixings. Manufacturers often release coupons for Thanksgiving-related food items and grocery stores often have sales on popular feast ingredients. To make sure you’re getting the best deal, you can use a free mobile app such as Favado app (iPhone, Android). It lets you compare deals at local stores, find coupons and search for the lowest prices on the items you need. For more tips to keep costs down, see 10 Ways to Save on Groceries Without Coupons
Don’t go overboard. Leftovers are common at many Thanksgiving gatherings. So unless you really enjoy scouring cookbooks or recipe sites to find creative ways to use all that turkey and stuffing that wasn’t consumed, you’ll save money by buying only enough to feed each guest with just a little left over for seconds. Butterball has a portion calculator to help you figure out what size turkey to buy based on the number of adults and kids you’ll be serving, whether they’re big or light eaters and whether you want leftovers.
Read more at http://www.kiplinger.com/article/spending/T050-C011-S001-how-to-save-money-on-your-thanksgiving-meal.html#OW9y2zEjidKwJbyA.99
Don’t let wine bust your budget. You don’t have to spend a fortune to serve good wine with your Thanksgiving meal. For example, you can find good prices on wine at warehouse clubs such as Costco. If you buy several bottles at a wine or liquor store, ask about a discount for buying in bulk. Usually you can get up to 15% off the price on purchases of six or 12 bottles. For more tips, see How to Save Money on Wine.
- Thanksgiving dinner cost down 44 cents (news4jax.com)
This week, we travel to Juneau County and offer a nod to law enforcement there who will likely be busy this Halloween week with all the “ghoulish” things ghost and goblins do this time of year! Here’s a look at the Top 5 people and businesses there with unclaimed assets. Do you see anyone on this list you know? If so, have check out www.wismissingmoney.com and search their name to make a claim. They can also call 855-375-CASH (2274)
B & W Enterprises
Jax Garage and Jerry Jax
Thanksgiving is coming up fast, and for many of us, that means we’re in for some serious family time. But everything can’t be fuzzies and pie. A trip down memory lane can remind us of our family’s money baggage. Our friends at www.Learvest.com tell us, the the money lessons you first learned at home tend to follow us through life.
“We learn from our parents,” explains Jonathan Alpert, psychotherapist and author of “Be Fearless.” “Money is an important part of our upbringing. We model our parents’ behavior and it becomes ingrained in us. It’s difficult to break out of that.”
Money Toxic Behavior #1: Living in Denial
What Causes It: “This is classic avoidance,” Alpert says. “It’s the mind’s way of avoiding that which it anticipates will be uncomfortable or anxiety-provoking.”
How to Shake It: Get motivated by the outcome rather than the process, says Alpert: “Think how you’ll feel once you clear the bills off the table,” he says.
Money Toxic Behavior #2: Embracing Debt
What Causes It: “Living paycheck to paycheck and surviving has become the norm over the past few years,” Alpert says. “People are feeling defeated, unable to see the future and stuck in a perpetual cycle of work and paying the bills.”
How to Shake It: Before getting ahead of your finances, you need to start catching up. Start putting as much as you can afford (even if it’s only $10 each week) away to pay off any bad debt like credit cards and car or consumer loans, and start shoring up an emergency fund. When you’re debt free and have a little financial cushion, then it might be time to turn your attention to investing. Think $10 investments aren’t enough? Think again–just ask this woman, who turned $10 stocks into $60,000. It might take some time to get ahead of your money, but the most important thing is that you start right away.
Money Toxic Behavior #3: Throwing Budgeting to the Wind
What Causes It: ”A lot of people use buying as a way to provide comfort in the same way that people might overeat–as a way to feel fulfilled,” says Alpert. They buy lavish and luxury items they don’t need to make them feel complete or special.”
How to Shake It: We don’t need to explain that money doesn’t just “appear,” but seeing where all your dough goes is also one of the best ways to avoid mindless spending. By consistently tracking your earnings and expenditures in the free LearnVest Money Center, you’ll get a sense of how much you really have to spend on what.
Money Toxic Behavior #4: Leasing Instead of Buying
“Maybe it’s a growing up in Detroit thing, but everyone in my family has always leased a brand-new, very cool car for a few years, then traded it back in for another. They’d never settle for wheels that were less than snazzy.”
What Causes It: “For a lot of people, the appeal of leasing is the convenience,” Alpert explains. “Decisions are made for them. The price and time frame are set, the mileage is limited. People like order and control, and they feel like this provides it.”
How to Shake It: He points out that the hardest adjustment for someone who inherited this practice might not be the age of the car, but making the distinction that a car is a method of transportation from point A to point B, not a representation of who you are. “Don’t let a car define you,” he advises.
Money Toxic Behavior #5: Resenting the Joneses
What Causes It: “Social comparisons are normal and her mom was right that it ‘must be nice’ to be able to buy a new home and take vacations,” Alpert tells us. “Her statement though, suggests a hint of jealousy and/or anger.” Though these emotions might motivate someone in the short term to make changes, he explains, they’re ultimately draining, not a good motivator like setting your own goals to pursue because you truly want to achieve them.
How to Shake It: “Keeping up with the Joneses will only allow you to be as happy as the Jonseses,” Alpert cautions. Money comparisonitis is the real, toxic behavior of constantly comparing yourself to those around you, and the first step to getting past it is forgiving yourself: It’s totally normal. In fact, a study of data collected since 1970 shows that we base our self-esteem more on the money we make compared to others, or our relative financial status, than on our actual financial picture. If you’re concerned that you might have money comparisonitis, take our quiz to find out.
Money Toxic Behavior #6: Wanting What You Want Now
What Causes It: Not everyone sees the value—or the joy—in seeking out the best deal. “For some people, there is great satisfaction in knowing they got the absolute best price on a product, and that outweighs any amount of ‘wasted’ time and energy. For others, it just doesn’t feel worth it,” says Alpert, who explains that they may feel more uplifted by the temporary thrill of immediate gratification.
How to Shake It: Nobody’s saying you have to be an extreme couponer if that doesn’t appeal to you. Splurging—in the right way—can actually be good for your finances. But depending on your financial situation, and your budget, you need to know when it’s OK to treat yourself and when you’re just throwing money away that you could be able to save. One good way is to enroll in our free Take Control bootcamp, which will teach you how to set boundaries—and long-term financial goals—for yourself.
CLICK HERE to read
Simply log onto our website and look under the “Holder Reporting” tab for everything you need :
This week, we travel to Kenosha County. Here’s a look at the Top 5 people and businesses there with unclaimed assets. Do you see anyone on this list you know? If so, have check out www.wismissingmoney.com and search their name to make a claim. They can also call 855-375-CASH (2274)
Debra S Waller Trust
Finding the Right Financial Institution
Choosing the right bank is an important step. During the month of November, we will take a much closer look at just how to do that in our “Money Matters” blog each Monday. As with any financial decision, it’s important to figure out what you want and need beforehand. There are countless banks to consider—some nationwide and some local—and there are also credit unions, which some people opt to use instead of or in addition to banks for their savings and credit needs.
Here are a few things our friends at http://practicalmoneyskills.com/personalfinance/savingspending/banking/ think you consider before you open a checking account:
- Location. Does the financial institution have branches in the areas where you work and live?
- Availability of ATMs. The ATMs owned by your bank won’t charge you to withdraw cash, but other banks’ ATMs will. Does the financial institution have machines in locations that are convenient for you?
- Hours. Do you work during the day? Perhaps you need a financial institution with extended hours’some are even open on Sundays.
- Customer service. Do their customer service offerings fit your needs?
- Online banking. The Internet has made it very convenient to keep track of your finances online. Find out if the institution you’re considering provides online access to your account.
- Credit unions are an option. Credit unions differ from banks in several ways. They’re designed to serve a particular group or neighborhood, and users are members rather than customers.
- 3 Reasons a Credit Union May Be a Smart Financial Decision for Your Family (50plusfinance.com)
When your private financial information gets into the wrong hands, the consequences can be devastating. Yet there are many ways you can help protect yourself on a daily basis, from taking precautions while online to checking your credit report periodically.
If you should fall victim to identity theft, it is important that you act quickly. As our friends at http://www.practicalmoneyskills.com/ tell us, contacting the correct agencies and filing the necessary reports will go a long way toward minimizing any damage to your financial wellbeing.
Who to Contact
Credit Bureaus: Immediately contact the fraud departments of each of the credit bureaus listed below. Alert them that you are a victim of identity theft, and request that a fraud alert be placed in your file. You can also request a security freeze, preventing credit issuers from obtaining access to your credit files without your permission. This prevents thieves from opening up new credit cards in your name.
Law Enforcement: Report identity theft to your local police department. If the crime occurred somewhere other than where you live, you may wish to report it to law enforcement there as well. The police will create an “identity theft report” and you can request a copy.
Federal Trade Commission (FTC): The FTC does not investigate identity theft cases, but they can share information that you give them, such as the identity theft report number, with investigators nationwide. For more information about fighting back against identity theft, visit the FTC’s Identity Theft website.
The Federal Trade Commission’s Identity Theft Hotline is 877-IDTHEFT (877-438-4338)
Credit Bureau Contact Information Equifax
Order Credit Report: 1.800.685.1111
Fraud Hotline: 1.888.766.0008
Report Order: 1.888.397.3742
Fraud Hotline: 1.888.397.3742
Report Order: 1.877.322.8228
Fraud Hotline: 1.800.680.7289
The State Treasurer’s Office uses a variety of methods to locate unclaimed property owners. The Office of the State Treasurer has annual advertisements in newspapers throughout the state, cross-references the names of unclaimed property owners with public record information. The State Treasurer and his staff also attend public events, such as the Wisconsin State Fair to raise awareness for those that may have Unclaimed Property and help people make a claim if they find their names on the database.
- FAQ: What is “Unclaimed Property” (wistatetreasury.wordpress.com)
- FAQ: I sent my claim form in quite a while ago. Why haven’t I received anything yet? (wistatetreasury.wordpress.com)
- Unpaid Insurance Claims Could Flood Unclaimed Property Coffers (wistatetreasury.wordpress.com)
- Wisconsin Veterans to Receive More Than $76,000 in Unclaimed Assets (wistatetreasury.wordpress.com)
This week, we travel to Iron County. Here’s a look at the Top 5 people and businesses there with unclaimed assets. Do you see anyone on this list you know? If so, have check out www.wismissingmoney.com and search their name to make a claim. They can also call 855-375-CASH (2274)
William and Frank Borawski
The Wisconsin State Treasurer serves as custodian of the property on behalf of the owner. Property is held indefinitely under current statutes. Interest earned on the $400 million in the Treasury is used to run the office, pay staff, process claims. A significant amount each year is also paid out to Public School Libraries. In 2011, $32 Million in interest was paid in such a manner.
- Unclaimed Property FAQ: Why is Wisconsin Involved? (wistatetreasury.wordpress.com)
- FAQ: What Efforts are Made By the State of Wisconsin to find the Rightful Owners? (wistatetreasury.wordpress.com)
- FAQ: How Does Property Become Unclaimed? (wistatetreasury.wordpress.com)
- FAQ: How Can I Avoid Having Unclaimed Property? (wistatetreasury.wordpress.com)
This week, we travel to Iowa County. Here’s a look at the Top 5 people and businesses there with unclaimed assets. Do you see anyone on this list you know? If so, have check out www.wismissingmoney.com and search their name to make a claim. They can also call 855-375-CASH (2274)
Quality Liquid Feeds Express
How can something so small cause such a major upheaval in your life? Not the least of this upheaval is financial. The U.S. Department of Agriculture estimates that the average middle-income family will spend over $190,000 raising a child until the age 17 — and that doesn’t include any college costs.
But just as you find the extra time and energy you will need to take care of the little bundle of consuming joy, you will find ways to work it out financially with the help of our friends at practicalmoneyskills.com.
Planning for Parenthood
Brace yourself. You will be spending much more than expected to buy things you never even thought of. Start planning financially for having a baby as soon as you can – before conception if possible.
Set aside as much as you can every month in a savings account. The actual event of birth can be expensive as well as all the first time purchases you’ll make. Don’t forget to save some money for your maternity or paternity leave. This is usually unpaid time off work.
How much do you need? As much as you can save. Any funds left over make a great starter for a college fund. If you’ve amassed a considerable amount well before the due date, you can invest in a short-term CD or other insured investment. But don’t tie up your entire fund in investments. Babies will not sign contracts and they have not agreed to your schedule.
Have a brainstorming session with an experienced parent to figure out all the things you need to purchase before the delivery. It will be extremely helpful to have most of what you need before the baby is born. Your spare shopping time after birth is reduced drastically. If you need to shop after the baby is born, try the Internet. Nobody on the Internet cares how loud your baby is crying, what you are wearing or what time it is when your baby gives you a free moment to shop.
Here’s a starter list for your brainstorming session. This is far from a complete list, but it will help get you thinking.
- Car Seat By law, you can’t even take the baby home from the hospital without one.
- Crib You want one that meets the highest safety standards.
- Bassinet One with wheels will add to your mobility around the house.
- Stroller Consider getting one that’s part of a stroller/car seat combo. It makes transitions easier.
- Baby Monitor “Baby calling Parents, come in, Parents.”
- Safety Gate Keep your newly mobile child away from staircases and other hazards.
Maternity and Paternity Leave
Most companies don’t provide paid maternity leave – and don’t have to. The Family and Medical Leave Act, which only applies if a company has more than 50 employees, ensures mothers should be able to return to their old job or an equivalent job up to 12 weeks after they begin their leave. The actual policy varies from company to company, especially if the company has fewer than 50 employees.
If you are a father, ask your employer about paternity leave. The Family and Medical Leave Act does not cover this time, but many employers are offering the same or similar benefits to their male employees.
Plan monetarily for maternity and paternity leave, as it is unpaid. You may be able to save up sick time and vacation time to continue receiving income for several weeks. But most likely, you will lose some income during this time.
- Parental leave to become flexible under plans set out by Nick Clegg (guardian.co.uk)
- Flexible Maternity Leave – Is it Really a Step in the Right Direction? (sarahockwell-smith.com)
You have the opportunity to use either the Hlder Reporting Software (HRS) or the UPExchange software to file your report. They are downloadable and web-based respectively. 3rd Party commercial software is also available.
Send file as an email attachement to the Holder Reproting mailbox OSTHOLDERREPORTS@wi.gov.
For more information, click here for links on our website to all necessary software, forms, instructions.
- Unclaimed Property FAQ: What is Holder Reporting? (wistatetreasury.wordpress.com)
- FAQ: What does the State do to find unclaimed property owners? (wistatetreasury.wordpress.com)
- Unclaimed Property FAQ: Who Administers the Law? (wistatetreasury.wordpress.com)
- EBAY AUCTION: Unclaimed Items For Bid (whotv.com)
This week, we travel to Green Lake County. Here’s a look at the Top 5 people and businesses there with unclaimed assets. Do you see anyone on this list you know? If so, have check out www.wismissingmoney.com and search their name to make a claim. They can also call 855-375-CASH (2274)
Green Lake County
Phyllis and Denzel Parchment
Matthew and Estelle Berres
- Treasurer’s Top 5: Green County (wistatetreasury.wordpress.com)
- Treasurer’s Top 5: Forest County (wistatetreasury.wordpress.com)
- Treasurer’s Top 5: Florence County (wistatetreasury.wordpress.com)
- Treasurer’s Top 5: Winnebago County (wistatetreasury.wordpress.com)
- FAQ Unclaimed Property: How Long Before Something is Considered Unclaimed Property? (wistatetreasury.wordpress.com)
LearnVest CEO Alexa von Tobel shares her favorite, foolproof tip for taking control of your finances: the Money Minute.
Each morning, she logs on to her Money Center account to review her transactions. Find out what she’s looking for, how just one minute a day helps her to stay on track toward reaching her goals–and how it’s helped her to save hundreds of dollars each year.
Want to start taking a “Money Minute” yourself? Connect your accounts in the Money Center to start monitoring your own spending, and get your 2013 financial picture in check.
CLICK HERE for more!
Field trips and new video help people explore State Natural Areas; National Public Lands Day is Sept. 28
News Release Published: September 20, 2013 by the Central Office
Contact(s): Jim Woodford, DNR, (715) 365-8856
MADISON – National Public Lands Day is a great time to explore Wisconsin’s 668 State Natural Areas, whether through a personal adventure, a free guided field trip to select State Natural Areas in Dane, Door, Forest and Vernon counties, or by enjoying the properties through a new video.
The Department of Natural Resources Natural Heritage Conservation program is sponsoring field trips to four State Natural Areas on or about National Public Lands Day, Sept. 28. The guided field trips are to Battle Bluff Prairie in Vernon County; Giant White Pine Grove in Forest County; Mazomanie Oak Barrens in Dane County; and Cave Point-Clay Banks in Door County.
Each field trip will occur within one of the DNR’s land program’s districts and will emphasize unique ecological features found within that district. All four field trips will be led by a program ecologist with extensive knowledge of the property and its special features, according to Jim Woodford, a biologist in the Bureau of Natural Heritage Conservation who is helping coordinate the field trips.
Wisconsin has the nation’s largest and oldest natural areas protection program, which seeks to preserve the best of the natural communities remaining on the landscape. About one-third of State Natural Areas are owned by partner groups.
Ninety percent of Wisconsin’s endangered plant species and 75 percent of endangered animal species are found on these sites, which are wonderful places to explore, Woodford says. On state-owned State Natural Areas, hiking, fishing, cross country skiing, hunting and trapping are allowed, with a few exceptions, he says.
Field trip dates and details
Specific information for each field trip is provided below and by clicking on the State Natural Area name. Please RSVP to the field trip leader listed below. There is no cost to participate in these field trips.
Battle Bluff Prairie, Vernon County, 11 a.m. to 3 p.m. on Sept. 27 - Learn about management of Wisconsin Bluff Prairies, the rare species that inhabit them, and why these sites are considered “globally rare.” Also see spectacular views of the Mississippi River, native grasses, and the last blooming prairie plants of the season. After a half-mile walk-in, the hike may get strenuous as participants climb around a steep hillside near cliffs and rock outcrops. Wear flexible clothing and good hiking shoes. Bring plenty of water, snacks or a sack lunch. The potential to see fall migrating raptors will be high so bring binoculars, if interested.
Please meet at 11 a.m. at the Pronto gas station parking lot in DeSoto, WI (only gas station in DeSoto). DeSoto is located at the intersection of State Highway 35 and Highway 82, 30 miles south of La Crosse and 30 miles north of Prairie du Chien. Please park just south of the station near the Forest Fire Danger sign; check the meeting location web map.
Please RSVP your intent to join Trip Leader: Armund Bartz, DNR District Ecologist, by Sept. 25 by phone: 608-785-9019 or email: email@example.com
Giant White Pine Grove State Natural Area – Forest County, 10 a.m. to noon on Sept. 28 – See one of the finest examples in northeastern Wisconsin of old-growth hemlock-hardwoods with a super canopy of white pine. Learn about the distinguishing characteristics of old-growth forest, benefits to wildlife, and the status of old-growth forests in Wisconsin while hiking through the forest.
Meet at 10 a.m. at property parking area/trailhead. Directions: from the junction of Highways 45 and 32 in Three Lakes, Wisconsin, go south and east on State Highway 32 for 4.7 miles, then east on Julia Lake Road 0.6 miles, then south and east on Scott Lake Road (Forest Road # 2183) 3.1 miles, then north on Giant Pine Road (Forest Road # 2414) 1.6 miles to a parking area/trailhead on the west side of the road.
Please RSVP your intent to join Trip Leader: Ryan Magana, DNR District Ecologist, by Sept. 25 by phone: 715-635-4153 or email: Ryan.Magana@wisconsin.gov
Mazomanie Oak Barrens State Natural Area – Dane County, 10 a.m. to noon on Sept. 28 – Join a biologist and an ecologist for a hike through the oak barrens and sand prairie that are protected on this State Natural Area. View the diverse remnant plants and discuss the animals and birds that call this piece of the “Wisconsin Desert” home. See late summer asters in bloom, a native Wisconsin cactus, and discuss habitat restoration including prescribed fire and invasive species control that are occurring on the property.
Meet at 10 a.m. at the northeast parking lot along County Hwy Y, rain or shine. Directions: from the intersection of U.S. Highway 12 and State Highway 78 just east of Sauk City, go south on State Highway 78 1.2 miles, then west on County Highway Y about 1 mile to a parking area located on the south side of the road.
Please RSVP your intent to join Trip Leaders: Nate Fayram, DNR Biologist, and Sharon Fandel, DNR District Ecologist, by Sept. 25 by phone: 608-273-5943 or email: Nathan.Fayram@Wisconsin.gov
Cave Point-Clay Banks State Natural Area (Shivering Sands Unit) – Door County, 10 a.m. to noon, Sept. 26 – Explore large tracts of lowland coniferous forest that grade to upland stands of mixed northern hardwood/conifer forest that protect two undeveloped lakes. Explore the shoreline of Arbter Lake, which supports a lake-edge fen community harboring the state-threatened coast sedge and a breeding population of the Hine’s Emerald Dragonfly. A discussion of local geology will highlight the unique ridge and swale habitat type and the influence of the Niagara Escarpment on Door County’s many natural communities.
Meet at the Hitching Post (address: 4849 Glidden Drive, Sturgeon Bay, WI 54235), which is located at the corner of County Highway T and Glidden Drive at 9:45 a.m.
Please RSVP your intent to join Trip Leader: Joe Henry, DNR Northeast District Ecologist, by phone: 920-362-1908 or email: firstname.lastname@example.org
This week, we travel to Green County. Here’s a look at the Top 5 people and businesses there with unclaimed assets. Do you see anyone on this list you know? If so, have check out www.wismissingmoney.com and search their name to make a claim. They can also call 855-375-CASH (2274)
Kenneth E Hamilton
Shirtly A Bolton
Douglas L Knight
First, access the software links from our website www.statetreasury.wi.gov. Everything you need can be found under the “Holder Reporting” tab at the top.
Follow the instructions to transfer or import your data.
Print the Holder verifciation sheet, complete, and file.
It’s that easy!
This week, we travel to Grant County. Here’s a look at the Top 5 people and businesses there with unclaimed assets. Do you see anyone on this list you know? If so, have check out www.wismissingmoney.com and search their name to make a claim. They can also call 855-375-CASH (2274)
- Treasurer’s Top 5: Winnebago County (wistatetreasury.wordpress.com)
- Treasurer’s Top 5: Florence County (wistatetreasury.wordpress.com)
- Treasurer’s Top 5: Eau Claire County (wistatetreasury.wordpress.com)
- FAQ Unclaimed Property: What IS Unclaimed Property? (wistatetreasury.wordpress.com)