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When Potato Salad Matters More

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     Recently, my oldest daughter was accepted to college. After completing high school with a 4.2 GPA, she was awarded the Presidential Scholarship for the entire 4 years of school. Of course, she also applied for financial aid. We soon realized that there were things that these funds would not cover.     In an attempt to raise funds to help cover these costs, I began a fundraiser. Since the start of the fundraiser, we have yet to even reach the halfway mark. Needless to say, that realization was disheartening. So...I decided to look up some of the most ridiculous fundraisers that actually raised money. I was horrified.     The one that stood out the most was the man who wanted to raise $10 to make potato salad. In the end...he raised tens of thousands of dollars. Yet, here it is...a fundraiser that is intended to assist a remarkable young lady further her education is struggling. No...we cannot tell people what to do with their money. Still, the share button works just the same as it
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Wellness Wednesday: Know When To S.T.O.P

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In lieu of this seemingly never-ending pandemic, and so many other things taking place…someone needs to know that its okay NOT to be okay. Believe it or not, I didn’t know this until recently. I’m sure you’ve heard the old saying, “No use in crying over spilled milk.” I now know, that the saying is false. Recently, a bowl of spilled milk did exactly that. It made me break down in tears. Instantly, I felt like I was really losing it! I had to sit down and think about why I reacted the way that I did. What was going on with me? Where was my mind ?   That spilled milk made me realize that I needed to learn when to S.T.O.P! l Sit down for a minute l Take time for myself l Openly speak to someone about my emotions, and l Pray!!! This has been a hard year. Anyone dealing with preexisting conditions may have found themselves a little more overwhelmed than usual. A bit more anxious. That little box that we are constantly trying to break out of feels like its getting smaller, everyday. Understa
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What Is Financial Literacy?

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Financial literacy is about being able to grasp and  utilize  various financial skills successfully. This includes personal money, allocation and preparing for your financial future. It is vital because it arms you with the necessary knowledge and skills to handle money effectively.  It’s  one thing that will  have an effect on   nearly every   facet  of your life. However, most people do not have the necessary financial education. Those that do  possess  the knowledge neglect to pass it on to future generations.    What Is Financial Literacy?   The term financial literacy  seems to make  people nervous. So,  let’s  break it down. It is common knowledge that the word “financial” is related to anything having to deal with money. According to the Merriam-Webster dictionary, the word “literacy” means;    The ability to read and write  or k nowledge that relates to a specified subject   In a nutshell , the term “financial literacy” refers to one’s ability to read and understand money.  It&
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The Benefits of Good Credit

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You don’t need perfect credit to live a decent life but it won’t be a walk in the park and it could cost you a pretty penny. However, a good credit score can help you create financial security and make life a little less complicated. Don’t believe me? Here are a some of the rewards that come with good credit. Low er  Interest Rates I nterest rate s are the fees that you are charged for taking out a loan. Usually, the interest rate that you are charged is in direct relation to your credit score . Having a good credit score can almost guarantee the premium interest rates. Additionally, it can directly impact the amount you pay on your card balances. Basically, the better your interest rate, the quicker you can clear the debt and you’ll be have the finances for other things in life. Better Approval  Rate When you have an impaired credit score, you already know not to apply for a loan or credit card. Previous experience has taught you that the application will be denied. Good credit doesn’
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