When you know better, you do better

first_img 63SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Angi Harben Angi Christensen Harben is the Director of Communications for Georgia Credit Union Affiliates. A credit union stepped in and supported her when she was younger, and she truly enjoys her … Web: www.gcua.org Details In a recent statewide consumer survey conducted by Georgia Credit Union Affiliates, 66 percent of respondents said they learned about finances from life experience.To me, when I see “learned from life experience” that means, “learned the hard way.” The bounced-a-bunch-of-checks-and-got-my-account-closed way. The made-a-late-payment-hit-with-fees-and-jacked-up-interest-rates way. The didn’t-pay-the-bill-and-the-water-got-cut-off way. All lessons, by the way, that “life experience” taught me at one time or another.With two out of three people learning their money lessons like this, I am not alone. And the tuition on this kind of schooling is steep! Late fees, accruing penalties, higher deposits required on utilities, lower credit scores, higher interest rates on loans, fewer options when it comes time to make a purchasing decision, and the stress that can seep into other areas like work and relationships…the cost is high for that kind of life experience.So why don’t more people talk to the kids in their lives about money?I see four major reasons:You think it’s over their heads. You still need to do everything for them, from wiping their noses to making sure they wear a coat outside in winter. But kids as young as 5 love playing “store” and pretending to deal with money. At this point, they probably still like doing things with you! Take them out and about with you so they can see you go through the business of banking, paying bills, making buying decisions. They emulate you and want to be like you. It’s easier if you start early, so make it fun and make them aware of the role money plays in daily life.If you’ve made some financial decisions in your life that you’re not exactly proud of, it might be difficult to admit that to your child. You want to be a good role model. You want to be the person they can look up to. You worry what they will think of you if they find out you’ve made mistakes. Maybe really big mistakes.Well, if you can’t be a good example, maybe you can be a horrible warning. Although that quote is funny, there is some credence to it. Say when you were younger you got a credit card and rang up the balance so high you couldn’t pay it off, then damaged your credit and had to get a car at a buy here/pay here lot and paid double the price of the car in interest. Or fill in the blank with whatever painful financial situation you found yourself in that you now chalk up to “life experience.”If you share your story, and the negative impact of some decisions that meant others were automatically made for you, it might keep your kids from making similar mistakes. And save them a lot of time and effort to get things back on track. If they keep in mind the consequences of your actions, you’d be giving them the gift of more knowledge – and hopefully better decisions – than you possessed way back when you had your first real job, an unblemished credit card and a $1000 limit on your shiny new credit card.When you were growing up, money wasn’t discussed. If you never had anyone talk with you about finances when you were a child, it’s hard to know what to say to your own kids. But just because you don’t talk about it – or talk about it honestly – doesn’t mean your kids don’t know anything about what’s going on. If you don’t make sure they have good, useful information they might not correctly interpret what they see. They might think you sticking to a tight budget means money is too tight for them to feel secure, when in reality, you are just committed to adding to the substantial cushion you’ve saved. Like so many “big” topics, talking about it with your kids isn’t necessarily easy, but it’s necessary.You don’t think you know enough to properly educate them. That could very well be true. But the remedy to that is not to leave them to their own devices. Get yourself educated first. It will be beneficial for them to grow up in a home that is on solid financial ground and show them a good example by arming yourself with all the knowledge you need to create a successful life.Your kids are going to have information flung at them from every angle. Most of us regularly receive credit card offers, bills, direct mail and email promoting something that separates consumers from their money. Young people need to be equipped with the knowledge that will allow them to confidently make informed decisions about their finances and their futures.Don’t leave them to learn these lessons from “life experience.” Be a gentler teacher than bill collectors will ever be. We all want our kids to find success. To do better than we did.When kids know better, they will do better.April is Financial Literacy Month and Credit Union National Youth Month. For more information on personal financial literacy for you and your children, visit www.asmarterchoice.org and http://www.georgiaconsortium.org.last_img read more

Motorist dies in road crash

first_imgRolanda Pineda lies dead on the road after his driven motorcycle crashed against a truck in Barangay Granada, Bacolod City on Jan 20. POLICE STATION 5/BCPO The truck driver was identified as44-year-old Edgar Maribao of Barangay, Sambag, Cebu City. The 55-year-old Roland Pineda ofBarangay Mansilingan died of body injuries, police said. According to police investigation, the motorcycledriven by Pineda hit a parked 10-wheeler truck around 11:10 p.m. on Jan. 20.center_img BACOLOD CITY – A motorist figured in a roadaccident in Barangay Granada. He was detained in the lockup cell ofPolice Station 5, facing charges./PNlast_img

Not done with your Christmas decorating? Check out what’s on sale at Barbara Jon’s

first_imgDash into Barbara Jon’s for this awesome sale on Christmas decorations and much more. Jim Shore and Heart of Christmas Santa figurines are 20% off!  Buy 10 Christmas ornaments and receive 15% off.As always gift wrapping is free.  You are sure to find that “just-right” holiday gift at Barbara Jon’s, 107 N. Washington.   Keep up to date on their specials and sales by viewing their Facebook Page:   https://www.facebook.com/Barbara-Jons-379524042164020/?fref=tslast_img

Wednesday May 27th Local Sports

first_imgUNDATED (AP) —The NHL will abandon the rest of the regular season and go straight into the playoffs with 24 teams instead of 16 if it is able to resume play, resulting in the Minnesota Wild making the playoffs after missing them last season.The decision, announced Tuesday by Commissioner Gary Bettman, is not a guarantee that games are coming back. The NHL and the NHL Players’ Association must still figure out health and safety protocols and solve other issues, including where to play.Still, ironing out the format represents significant progress since global sports were largely shut down in March as the coronavirus outbreak turned into a pandemic. Bettman has said the goal has always been to play again and award the Stanley Cup, but details remain uncertain.Instead of limiting the Cup chase to the usual 16 teams that qualify for the playoffs, the league and players agreed to expand the field to 24 of its 31 teams because of the unusual circumstances.The top four teams in each conference ranked by points percentage will play separate round-robin tournaments to determine seeding. The remaining 16 teams will be seeded by conference.That means that the Minnesota Wild, if play resumes, would open the NHL post-season tournament with a best-of-five play-in series against Vancouver.Games are expected to be played in two hub cities and Bettman said and 10 are in the running, including Minneapolis-St.Paul AMES — Iowa State is planning to limit attendance in Jack Trice Stadium to 30-thousand fans for their season opener. Cyclone athletic director Jamie Pollard says a half full stadium is based on current guidelines. As of today about 22 thousand season tickets have been renewed.KGLO News · 5 – 27 – Jpfans – 1The Big 12 announced that athletes will be allowed to return to campus beginning June 15th and Pollard says the biggest issue for the athletic department right now is to get the football season going.KGLO News · 5 – 27 – Jpfans – 2The Cyclones are scheduled to face South Dakota in the season opening game on September 5th. TONIGHT:AM-1490/96.7-FM KRIB, kribam.com — Clear Lake baseball — 2013 state quarterfinal vs. Chariton — 7:00center_img AMES — The state of Iowa is beginning to open up but not enough for the Summer Iowa Games which has announced it is cancelling a majority of its events. Cory Kennedy is a spokesman for the Iowa Games.KGLO News · 5 – 27 – Sumgames – 1Kennedy says it was a difficult decision to reach.KGLO News · 5 – 27 – Sumgames – 2Kennedy says they will still be offering a few events that are not held on the Iowa State University campus.KGLO News · 5 – 27 – Sumgames – 3Kennedy says people who have registered for a sport will be eligible for a refund.KGLO News · 5 – 27 – Sumgames – 4For more about the Iowa Games, head to iowagames.orglast_img read more

YWCA of Olympia Announces 2014 Business of Achievement

first_imgFacebook35Tweet0Pin0Submitted by YMCA of Olympia Three Girls Media CEO, Erika Taylor Montgomery.According to the Shriver Report, two out of three households depend on the wages of working moms. However, childcare is expensive and can be hard to find for some women. Many workers have limited or no sick or maternity leave.  Some women use restroom stalls to breastfeed their infants.  The facts are sobering, but some businesses are stepping in and stepping up to remove these barriers and create family-friendly workplaces that support and empower women and families.Three Girls Media works hard to create an environment that supports working parents, which is why it was selected as the 2014 YWCA of Olympia Business of Achievement.  Three Girls Media is an award-winning boutique Public Relations & Social Media Management Agency located in Olympia, WA. The firm works with clients worldwide to help them raise their brand awareness and name recognition through both traditional and digital public relations tactics. “This business is very empowering for women! Noteworthy benefits include extremely flexible schedules, family leave, telecommuting, and even Costco memberships.”“The business doesn’t just talk about families being first…they live it! Whether that means office dogs barking occasionally or kids at staff meetings, each member of the team is encouraged to make whatever scheduling allowances are needed to ensure the health and welfare of their families and themselves.”While providing excellent service and dedication to their customers, Three Girls Media emphasizes a healthy work/life balance, allowing employees to make their own schedules. This enables employees to avoid prohibitive day care costs, obtain advanced education, and be involved in nonprofit and school-based volunteer opportunities.“We are proud to honor Three Girls Media as our inaugural Business of Achievement.” says YWCA executive director Hillary Soens. “They exemplify the YWCA’s goal to support the economic and social advancement of women each and every day in their business practices.”“I’m so humbled and honored by this award! When I started Three Girls Media nine years ago it was incredibly important to me to have a business model that honored putting families and my team’s personal lives first. To be recognized for something that is a core belief and practice of mine and my business is truly fantastic!” stated Erika Taylor Montgomery, Three Girls Media Founder & CEO.A Business of Achievement biography is available on the YWCA of Olympia website.The 20th Annual Women of Achievement Gala, presented by Titus Will, will take place on Thursday, November 6th from 5:30pm – 8:45pm at the Red Lion Hotel Forest Ballroom. The event is open to the public and tickets ($80) will be available by contacting the YWCA of Olympia at 352-0593 or online at www.ywcaofolympia.org under Events or Donate. Once again Titus-Will Cars will serve as the Women of Achievement Gala Presenting Sponsor, with WSECU and Lucky Eagle as the Gala Sustaining Sponsors.For more information about the Women of Achievement Gala or for media inquiries, please contact Cherie Reeves Sperr, Special Events & Communications Director at 352-0593 or [email protected]last_img read more