WEDNESDAY...
SHE'S LOOKING FOR A ROLE MODEL FOR HER SON.
JJ, I found future you!
BUT WHEN SHE FINDS ONE...
You gotta come with me.
SHE'S IN FOR A SHOCK.
My name's Maya... (taser)
Oh no!
I am so sorry!
Ahhhhh
NEW SPEECHLESS, WEDNESDAY ON ABC.
For more infomation >> Speechless 1x20 Promo "R-U-N--RUNAWAY" (HD) - Duration: 0:16.-------------------------------------------
Watch and Learn - GTA Online [eng sub] - Duration: 0:16.
I will do this
watch and learn, blyat
No! No, no no!
-------------------------------------------
I ALMOST BROKE MY LEG!! | A DAY IN MY LIFE - Duration: 2:04.
Not again why is my life so bored today i gonne change it.
[Music]
Its pretty late so i gonne keep it short
Follow my friends for helping me with this video
And a big shout out to ashboy i gonne put a link in the discription so check them out so i see you later
-------------------------------------------
Pacific Rim Final Battle | The Sacrifice of Striker Eureka | Pacific Rim-(2013) 4K ULTRA HD - Duration: 4:56.
Brace for impact!
Chain sword...
...deployed.
Let's get this son of a bitch!
Gipsy, coming up...
...on your 12 o'clock!
Full speed!
Get out of the way!
The release is jammed! We can't deliver...
...the payload, sir!
We're still armed.
But the hull is compromised!
Half our systems are offline, sir.
We need to override the...
Both Kaijus...
...converging on Striker fast!
Hang on, Striker!
- We're coming to you! - No!
Gipsy! Do not come to our aid!
Do you copy?
- Hang on! - Stay as far back as you can!
We can still reach you. We're coming for you.
No, Raleigh, listen to me.
You know exactly what you have to do!
Gipsy is nuclear!
Take her to the Breach!
I hear you, sir.
Heading for the Breach.
- Structural damage... - Now.
- ...eighty percent. - Uh.
Mako.
Listen.
You can finish this.
I'll always be here for you.
You can always find me in the Drift.
We're a walking...
...nuclear reactor.
We can destroy the Breach.
What can we do, sir?
We can clear a path!
For the lady!
They're gonna detonate the payload.
Well, my father always said:
If you have the shot, you take it!
So let's do this!
It was a pleasure, sir.
-------------------------------------------
My Carb Cycling Diet Plan - Duration: 12:47.
Hello and welcome back to my Channel
today I'm going to be talking you
through my plan for carb cycling, what it
means to me, what it means for the future
of my diet, this channel and everything
in between. Before I get into it though
if you're new to my channel I have been on the
low carb keto diet for about seven
months a little bit over seven months
and I have lost 16 kilos, 35 pounds in
that time and I've shared all of my
journey with you on this channel I'll
leave link below to my weight lost
history so you can watch some previous
videos about my journey if that
interests you and and so I have been on
keto for a while and the last couple
of months if you've been following my channel
you know that I plateaued for a long time
lost little bit plateau for a long time
and then I went away on holiday to Japan
and had the time of my life and I kind
of didn't really think about diets a lot
while I was there I gravitated
towards low-carb high-fat foods but i
also had things like ice cream and
noodles and foods which are not keto
friendly, it's definitely possible to keep
low carb while traveling and i've
actually got a video coming up that will
help you if you want to keep low carb
while traveling cauce it's definitely
possible, I definitely did mostly low
carb high fat and coming back I have
been gravitating again towards keto food
but i haven't really shared what I've
been doing and my plans for carb cycling
I think I touched on before going away that
I'd increased my carbs and I was feeling
better and I was losing weight again
well since I've been back I've kind of
been eating similar to how I was away
and I've now got to plan for the future
for what I'm going to do and how I'm
going to do it and how I'm going to keep
and incorporate the keto diet into my
diet long term. Now before you go and hit
unsubscribe to my channel let me
explain I'm still gonna be low carb high
fat and keto but I want to cycle in and
out. I feel for me, because I've
kept spreadsheets, I'm a bit of a numbers nerd
I've kept a spreadsheet of all of my
weight loss every couple of, well every
time I weigh, when there's a new weight I
put it in there even if
I go up I put it in there and so I can
actually see exactly at what point I
start plateau and really think about it
and for me, I think me personally, and everybody
is going to be different this isn't a
one-size-fits-all kind of thing, have a chat
with a health professional and that's
probably the best tip is to have someone
holding your hand and working out what
works best for you. I'm lucky that I'm
married to a health professional and he
understands all the numbers and
everything and we're working on it together.
He's also doing the low carb keto with me
and experimenting as we go, so for me the
magic number I feel is six weeks, six
weeks of strict keto for me is when I
have ultimate, the ultimate
weight loss, the ultimate of feeling good
and then I seem to plateau and I've
plateaued after six weeks I went through
plateau and whoosh and plateau and whoosh
and I was patient with it but I took out dairy
I put in dairy I took out this
and I took out that but as soon as I added
more cabs in I found I was losing weight
now when I siay more carbs I don't have bread
I don't have pasta, I've haven't been cooking with
things like that, it's more out and about
I might have something or I might,
for me my weakness has always been
chocalate but I've always wanted to
intuitively eat chocolate and that's
what I've now found, found after being
strict on keto for six seven, months I
have an appreciation for food that I
never had before. Way, years before Keto
I read this amazing book called
Intuitive Eating, i'll leave a link to it
down below, and which really is about
throwing out diets, throwing out the
scale and really intuitively listening
to your body, well i have been an
overeate forr forever and I've had so many
issues with food that when I tried to
intuitively eat, I didn't lose weight
and I still, I still ended up having the
same issues I had but being able to lose
the weight I have I feel I'm in a better
place and I've been able to intuitively
eat which is what I've always wanted, I'm
sorry this video is going all over the
place, I'll leave a link down below to a
blog post where I am a little bit more
coherent and cohesive with my thoughts
and what I'm trying to say but I'm going
through, I've got so many things I wanted
to say about it and I can't even
remember
what I was up to, yes so within the
intuitive eating book instead of
eating's what I had always wanted to do
and when I got onto keto and found I
was losing weight and feeling good I was
afraid that if I went back for my old
way of eating I would put all the weight
back on, well I haven't gone back to my
old ways of eating but definitely carbs have
crept back in and I haven't put weight
back on in fact I've lost in the last
couple of weeks I've lost another kilo
and every day I'm almost
challenging myself I'm going to eat this
and I'm going to see if that'll move the
scales up and it hasn't the scaled have been
staying the same or losing a little bit
stating the same or losing, so again
I feel that maybe six weeks of eating
this experimental way is the way it's
going to work for me so i am going to in
the long term be going six weeks on six
weeks off of strict keto for six weeks
of strict keto, I did over six months of strictly
keto so six weeks should hopefully be a
breeze for me and get back into
ketosis I'm not sure exactly how it's
going to feel for me but I know I feel
good in case I know six weeks for me is
the ultimate perfection of keto.
So six weeks of keto and then the
other six weeks i am going to
intuitively eat because in a long term
that's what i want to do and i am
naturally gravitating towards low-carb
high-fat my breakfast looks pretty much
the same with maybe a little more veg
lunch is , in the last week I've had lots
lunches out and about, ladies who lunch, I've had
lots of lunches with friends and family
and we've been at restaurants and I've
ordered whatever and I've eaten whatever
and I anyway I'm a bit nervous to
share what I have been eating with you
because I am I don't want to go and
encourage you to do the same I have got
to a point where I guess okay yesterday
I ordered a pie with mash and vegetables
and I ate the pie filling and I ate
maybe half of the pie crust and I ate a
bit of the mash, again I am doing no
keto at the moment and I felt fine
afterwards and I weighed myself this
morning and my weight stayed the same
that might not be the same case for
everyone but I know
I've learned when to stop and that is
the important thing that I can have a
pie with mash, I didn't eat the gravy
because yeah just didn't feel like it I
am just listening to my body, I'm
intuitively eating and that's what I've
always wanted because in the long term
there's always going to be pies and there's
always going to be things around and I
want to know that I can have them and
not put the weight back on or not binge
on it. When I go grocery shopping it's so
liberating to go grocery shopping and
say I can have that if I want but you
know I don't really want to today.
This morning I went grocery shopping I
walked down the chocolate aisle and just
said to myself okay I can buy anything
and I can eat anything down this aisle
let me look at it and think... I must have
looked like a crazy person stopping at
every package and like thinking about it
and do you know what I bought? I bought
nothing! I just thought I just I
didn't feel like it, I've been having
enough stuff it's amazing when you give
yourself permission and everything's
not off limits and you just, you know
I mean when I was on holiday ate
chocolate I've still got some holiday
chocolates left over from Japan that
I've been slowly noshing on, I've always
wanted to eat this way, eat intuitively
and I'm so happy that I found a way to
be able to do it so I'm going to do six
weeks of intuitive eating and eating
what I want to and then six weeks of
super strict keto and how am I how I've
worked that because you might think of
six weeks you'll just set a date you'll
do whatever you you it's not going to
come and you're going to you're going to
do with it whatever you want to and just
keep eating however. For me personally,
again this is my plans and I wanted to
share my plans with you because I've
shared every step of the journey and
highs and lows and everything, and I
think I've got a plan worked out from
now until the end of this year which
sounds a little bit crazy. But let me
explain, so my six sixish weeks off keto
will bring me to the first of May and
that's what I'm going to do first of May
I am going to be super strict keto, no
chocolate no more chocolate aside from
eighty five percent plus no pies, no
nothing I want to be in ketosis I love
the feeling of being in ketosis
want to experience that I'm going to
have six weeks of it when I get to the
six-week point that will bring me to
around mid-june and from mid-june for
the following sixish weeks is what i
like to call birthday season both my
children and my birthdays fall between
mid June and mid August or early August
and it's one after the other and I want
to just be able to, we might go away for
a weekend to country Victoria somewhere
we haven't planned anything yet, we might go out
and about will have birthdays and
parties and I I don't want to binge on
cake but I want to know I can have a piece of cake
and not worry about oh no I'm going to be
kicked out of ketosis because it's my
non keto time so I'm quite happy to have
those six weeks of being out of keto
and experience birthdays and
celebrations and all of that and then
back on soon as after the birthday I
have a good six weeks or so and I'm like
doing a whole calendar but I've worked
it out and that brings us to I've got a
family wedding later in the year so
that's another six weeks so when it's
around the wedding time I'm going to
relax and just have family meals again
not binge and not worry about it then do
my intuitively eating time I'll have
dates in my diary and we're going to
actually put them in my diary on keto
off keto so I know what's happening and
then the end of the year I haven't
really shared this yet but I going
overseas the end of the year, I have a massive
trip planned I'm not going to get into
it yet, later on, later on i'll
talk about it that i have a massive
overseas trip with a family planned for the
end of the year and that is going to be
completely non Keto, I want to just enjoy
the trip with my family and not think
about food and behave and eat the
way I was in Japan and again share the
journey with you. So, what does that mean
for my channel? On keto! Off Keto! What's
this channel about? Well, I said, as I said I
naturally gravitate towards low-carb
high-fat foods and my breakfasts are
low-carb high-fat they are keto friendly,
I'm shopping and I'm cooking keto foods
with a few added extras it's kind of
like for the kids I've been cooking all
the keto foods with some added extras
and I'm just going to continue doing the
same so I'm going to continue sharing
low-carb high-fat
recipes on this channel because really
that's the core of my belief and the
core of long-term and I also want to
share more videos about intuitive eating
and about how I can cope with having
more carbs and not putting on weight
because that's the huge fear that you'll
go off keto on you will put all the weight back
on and I'm living proof to show you it
doesn't happen and... it's over to
you really so leave a comment, I want to
hear your thoughts on my plans on what
videos do you want me to share on this
channel when I have my weeks of not
being on keto? Do you want to see the
kind of meals that I'm eating do you
want full days of eating do you want
just my experiences my thoughts my
feelings about intuitive eating? Leave a
comment I really want to hear what you
think. This channel is for you.
I'm filming videos that I enjoy to watch
that I enjoy filming but i also want to
film what you want to see so as i said
from first of May I'm going to be super
super strict keto and I may even share
some beginners guides getting back into
keto and ketosis all you know having 18
to 20 ish grams of carbs a day what that
looks like how I'm going to do it how
I'm coping getting back into keto all of
that I'll share the videos i want to
share but as i said let me know from you
as well so that is the plan i'll leave a
link as I said down below to a blog post
with a more coherent explanation because
this is going to be really fun to edit
and make captions, closed captions for
because I don't even know what I've said
so thanks so much for watching this
video and make sure that you leave a
like and subscribe for more inspiration
and we'll see you again soon bye
-------------------------------------------
Одежда и обувь БОЛЬШОГО РУССКОГО БОССА и ПИМП. Сколько стоят вещи Большого Русского Босса? - Duration: 3:35.
For more infomation >> Одежда и обувь БОЛЬШОГО РУССКОГО БОССА и ПИМП. Сколько стоят вещи Большого Русского Босса? - Duration: 3:35. -------------------------------------------
【Minecraft】この汚染された世界を生き抜く【ゆっくり実況】Hubris Part55 - Duration: 10:10.
For more infomation >> 【Minecraft】この汚染された世界を生き抜く【ゆっくり実況】Hubris Part55 - Duration: 10:10. -------------------------------------------
SEXY CAKE! (Vegan and Gluten-Free) - Duration: 0:42.
So this is Clara.
Hi.
And Clara, what did you make?
So this is lime cake, spicy, salty tangy blueberry sauce, with more lime frosting - all swirled together.
Oh yeah.
It's a Sexy Cake.
Also, VEGAN.
And here is the recipe in the book that Clara wrote!
This book!
That's you!
That's me!
You can buy my book on Amazon, Barnes and Noble, and a few other select shops around the country.
Go get it!
-------------------------------------------
JUST IN: Maxine Waters' Dirty Personal Secret Leaks, Media Trying to BURY This Story - Duration: 3:14.
��After eight years of Obama, the mainstream media has become skilled at hiding the truth.
Professional hypocriteMaxine Waters is under fire for outright lying to her constituents.
She claims to represent the racial-minority population of California s 43rd congressional
district, but she refuses to live there! (via The Blaze).
The recent special election, where Democrat shill Jon Ossoff was rejected, proves the
importance of residing in the district you claim to represent.
Like Ossoff, Waters is lying about her address.
Maxine Waters registers to vote in a rough area of southern Los Angeles, though she actually
resides in affluent Hancock Park.
Liberals can t even tell the truth about their own address.
In typical leftist fashion, Maxine Waters claims to be a champion of racial minorities
and the poor.
She is a member and former chair of the Congressional Black Caucus, and a constant race agitator.
However, hypocritical Maxine refuses to live in her own congressional district, which is
dominated by gangs.
Instead, she lives in a $4.2 million mansion in a gated community.
Maybe she should try practicing what she preaches.
The 43rd congressional district has a white population of 15 percent.
While Waters real neighborhood, Hancock Park, is less than 4 percent black, and over 70
percent white.
Why haven t the african american communities abandoned her?
She does not understand them.
Maxine proved utterly unwilling to live among the people she claims to represent.
Clearly, minority groups and the poor are only being exploited by Waters in her attempt
to gain power.
The liberals are skilled at exploitation.
Of course, Waters is typical of the Democrat elite, who are mainly centered in major cities
in New York and California.
Democrats claim to represent the poor from their million dollar mansions.
They claim to represent the working class, despite never having accomplished a hard day
s work.
Power is the only thing Democrats yearn for.
Social justice, racial equality, and economic fairness are only buzzwords used to convince
the masses that the Democrats care about them.
In reality, they foment division, and want to continue to earn the votes of the (supposedly)
oppressed.
Representatives should be required to reside in the district they claim to represent.
You cannot represent a group you refuse to rub shoulders with.
We need to change the laws and drain the swamp.
Thankfully, we have Donald Trump to make our nation great again.
Hopefully the voters of the 43rd district wake up to the fact that they are being taken
advantage of, and vote Maxine out of office at once.
Patriots, we need to share this story, so the world know the truth about Maxine Waters.
What do you think of the hypocritical Waters?
Please Share this news and let us know what do you think!
-------------------------------------------
اهداف كلاسيكو اللأرض[3-2] بين برشلونة والريال[شاشة كاملة] 23-4-2017..الدورى الاسبانى - Duration: 2:58.
For more infomation >> اهداف كلاسيكو اللأرض[3-2] بين برشلونة والريال[شاشة كاملة] 23-4-2017..الدورى الاسبانى - Duration: 2:58. -------------------------------------------
Kim Kardashian Goes To Dinner In Just A Bra! | TMZ TV - Duration: 2:11.
ANNOUNCER: AND NOW KIM
KARDASHIAN IS --
7 LADY IN BRA IS WALKING THE
STREET
SHE'S GOT FEET
THERE'S NO
SHIRT HERE, JUST DOUBLE D'S,
IT'S WHERE WE WANT TO BE 77
SO KIM KARDASHIAN YESTERDAY
WAS LEAVING LA SCALA IN BEVERLY
HILLS.
HARVEY: THEY HAVE A FANTASTIC
SALAD.
ANNOUNCER: WHO CARES ABOUT THE
SALAD?
HELLO!
SHE LOOKS SO GOOD, DUDE.
SHE LOOKS UNREAL.
HARVEY: THAT'S THE BEST I HAVE
EVER SEEN KIM KARDASHIAN LOOK
EVER.
ANNOUNCER: SERIOUSLY, DAMN,
GIRL, HOW DID YOU GET THAT BOD?
SHE TWEETED SHE GOT THE FLU
AND SHE WAS EXCITED SHE HAD THE
FLU BECAUSE SHE LOST SIX POUNDS.
I LOVE WHEN YOU GET THE FLU
AND THAT HAPPENS.
ANNOUNCER: THE FLU DOES A BODY
GOOD, UNTIL IT DOESN'T.
BUT IN THIS CASE --
HARVEY: GOD, SHE LOOKS GOOD.
PROBABLY BIGGER NEWS.
KIM AND KYLIE MIGHT ACTUALLY BE
LAUNCHING A MAKEUP LINE
TOGETHER.
ANNOUNCER: WHAT?
THAT IS BIG NEWS.
ON KYLIE'S SNAPCHAT AND ON
HER TWITTER SHE POSTED THIS
VIDEO, ALL IT SAID WAS KKW AND
KYLIE COMING SOON.
ANNOUNCER: YES, THERE'S KIM AND
THERE'S KYLIE.
OR THAT'S KIM AND THAT'S KYLIE.
OH, IT'S LIKE THEY MELDED INTO
THE SAME PERSON.
HARVEY: OH, MY GOD, I CAN'T TELL
THE DIFFERENCE.
THEY LOOK IDENTICAL.
ISN'T THAT A TERRIBLE AD FOR
A MAKEUP LINE?
DO YOU WANT TO LOOK COOKIE
CUTTER, EVERY OTHER PERSON IN
THE WORLD?
HARVEY: SHE HAS A POINT.
IT'S STEPFORD.
NO, WHEN THE COOKIE IS MADE
THAT WELL, YOU WANT AS MANY
COOKIES AS POSSIBLE.
I WILL TAKE A DOZEN COOKIES.
ANNOUNCER: YOU GUYS KNOW WE'RE
NOT ACTUALLY TALKING ABOUT
ACTUAL COOKIES, RIGHT?
SO BON APPETIT, KIM.
WE HOPE YOU FEEL BETTER.
OR NOT.
WHO WANTS TO GO FOR 10 POUNDS?
-------------------------------------------
Black teacher crisis - Duration: 2:13.
a new study published by the institute
of labor economics finds that black
children assigned a black teacher during
elementary school performed better on
standardized tests especially those
children from poor families another
recent study finds that black students
with a black teacher are more interested
in college and a 2016 report by
vanderbilt university finds that black
teachers are twice as likely to identify
gifted black children the study suggests
that black teachers are powerful role
models particularly for black boys that
they are more likely than white teachers
to recognize competence in their black
students that subjective judgments by
teachers play a vital role in
determining success at school all the
more reason for public schools across
the country to do more to recruit and
retain teachers of color yet quite the
opposite is playing out in urban school
districts the Albert Shanker Institute
found that mass layoffs and school
closures due to poor test scores are
actually driving black teachers out of
the profession in each of the nine cities
studied a higher percentage of black
teachers left than white or Latino cities
like Chicago Cleveland and Los Angeles
saw black teacher populations drop by
a third New Orleans lost sixty-two
percent in all that means 26,000
african-american teachers have
disappeared from the nation's public
schools even as the overall teaching
workforce has increased by 134,000
countless black principals coaches
cafeteria workers nurses and counselors
have also been displaced all in the name
of raising achievement among black
students Columbia University's
Christopher emdin told mother jones
magazine many black educators leave
because they're forced to become exactly
what they resented growing up in his
book for white folks who teach in the
hood he writes the time will always come
when teachers must ask themselves
whether they will follow the mold or
blaze a new trail the achievement gap
isn't going anywhere anytime soon and it
could take a generation to close the
teacher racial gap until then it's up to
the teachers who right now are affecting
the lives of millions of black students
to check our privilege and to understand
what struggles our children are facing
if you found the information in this
video helpful go ahead and share it with
a friend and don't forget to click on
the subscribe button so you can find me
again next week
-------------------------------------------
InFocus: Financial literacy and managing your money - Duration: 48:54.
FROM OUR 22 NEWS BROADCAST
CENTER, THIS IS IN FOCUS.
MILLIONS OF AMERICANS ARE
LIVING PAYCHECK TO PAYCHECK.
SIX OUT OF 10 AMERICANS DON'T
HAVE ENOUGH SAVINGS TO COVER A
$500 OR $1000 EMERGENCY EXPENSE.
APRIL IS FINANCIAL LITERACY
MONTH.
ABOUT PROGRAMS AVAILABLE TO HELP
YOU GET ON TRACK WITH FINANCIAL
STABILITY.
JOINING ME TODAY IS THE
PRESIDENT OF JR. ACHIEVEMENT AND
JENNIFER, WORKING WITH COMMUNITY
IMPACT FOR UNITED WAY OF PIONEER
VALLEY.
HE REACH OFFER A DIFFERENT
PERSPECTIVE ON THIS TOPIC.
WE WENT TO YOUR FROM YOU WHAT
YOUR BACKGROUND IS IN FINANCIAL
LITERACY AND WHAT YOUR
ORGANIZATION OFFERS.
I'M WITH JR. ACHIEVEMENT.
IT STARTED IN 1919 SO WE HAVE
CLOSE TO 100 YEARS.
I HAVE BEEN WITH THE
ORGANIZATION FOR ALMOST 20
YEARS.
WE WORK WITH STUDENTS FROM
KINDERGARTEN THROUGH GRADE 12.
AND FINANCIAL LITERACY IS A KEY
PART OF WHAT WE DO.
I AM WITH THE UMASS CREDIT
UNION.
IT IS ONE OF THE KEY PRINCIPLES.
I'VE BEEN WITH A CREDIT UNION
FOR OVER 20 YEARS.
I HAVE HANDLED FINANCIAL COURSES
IS AND OUTREACH.
WE TOUCH HIGH SCHOOL KIDS,
COLLEGE KIDS AND ADULTS IN
FINANCIAL LITERACY.
THE UNITED WAY OF PIONEER
VALLEY HAS BEEN INTERESTED IN
FINANCIAL LITERACY.
FIVE YEARS AGO, THEY STARTED
STUDYING THE VIABILITY OF
FINANCIAL SUCCESS AND HOW IT
WOULD OPERATE IN OUR COMMUNITY.
SINCE THEN, WE HAVE PARTNERED
WITH A NUMBER OF PARTNERS IN THE
REGION.
AND WE HAVE WORKED TOWARDS
FINANCIAL SUCCESS CENTERS.
WE OFFER A NUMBER OF SERVICES.
BUT THE PRIMARY FOCUS IS ON ONE
TO ONE KIND AND CHILL -- 121
FINANCIAL COACHING.
YOU FIND THAT AT FIRST,
PEOPLE ARE EMBARRASSED TO BE
PARTICIPATING IN THIS KIND OF
PROGRAM?
MONEY IS SOMETHING WE DON'T LIKE
TO TALK ABOUT, ESPECIALLY WITH
STRANGERS OR IF YOU ARE IN DEBT.
IS IT DIFFICULT TO FIND PEOPLE
TO BE DISSIPATE IN THE PROGRAMS
AND OPEN UP ABOUT IT?
ALL OF OUR PROGRAMS ARE
PRESENTED BY VOLUNTEERS.
SO OFTEN THE CHALLENGE MIGHT BE
TO GET A VOLUNTEER WHO WILL
TEACH PERSONAL FINANCE IN 11TH
GRADE OR 12TH GRADE.
INTO KINDERGARTEN, WE DO TALK
ABOUT THE WANTS AND THE NEEDS
AND THEY FEEL MORE COMFORTABLE
DOING THAT.
SO THAT IS OUR ONLY CHALLENGE.
THAT PEOPLE MIGHT FEEL THEY'RE
NOT QUALIFIED TO DO IT.
BUT OUR MATERIALS ARE
USER-FRIENDLY AND WE WANT TO
MAKE SURE -- WE DO A LOT WITH
COLLEGE STUDENTS.
AND ELEMENTARY STUDENTS.
SO REALLY, IT HELPS THEM WITH
LEARNING.
OR THEY ARE AN ECONOMICS CLASS
STUDENT.
AND WE GET ALL THE STUDENTS WHO
TAKE ECONOMICS.
AND WHEN THEY GO BACK, THEY
TAUGHT ABOUT OPPORTUNITY COST
AND IS A QUESTION ON THE TEST.
SO IT DOES HELP THEM IN THEIR
COURSES.
WE FIND THAT A LOT OF THE
ADULTS ARE COMING IN TO ASK US
ABOUT STUFF.
SO THEY ARE NOT EMBARRASSED.
THEY ARE IN A SITUATION WHERE
THEY NEED HELP.
OR WE RECOMMEND THAT THEY GO TO
ONE OF OUR WORKSHOPS OR DO
SOMETHING OF THAT NATURE.
WHEN YOU HAVE A DOZEN ADULTS IN
A ROOM TO TEACH THEM ABOUT
FINANCIAL LITERACY, THEY KNOW
THAT THEY ARE IN THE SAME BOAT.
SO THAT IS HELPFUL FOR PEOPLE.
BUT THEY ARE EAGER TO
UNDERSTAND.
AND ONE OF THE THINGS WE USUALLY
SAY TO THEM IS THAT IF YOUR
PARENTS HAVE TALKED TO ABOUT
FINANCIAL LITERACY, YOU PROBABLY
WOULDN'T BE IN THIS ROOM TODAY.
AS I GET THAT.
AND THEY ARE INTERESTED IN
LEARNING TO MOVE FORWARD.
WE HAVE FOUND THAT A NUMBER
OF OUR CLIENTS COME FROM
REFERRALS.
NOBODY WANTS TO TALK ABOUT
MONEY.
PEOPLE WANT TO STICK THEIR HEADS
IN THE SAND.
AND ONCE SOMEBODY STEPS THEIR
FEET THROUGH THE DOOR, THEY CAN
SPREAD THE WORD TO THEIR FRIENDS
AND FAMILY.
THAT SEEMS TO WORK.
BUT I MYSELF, I DON'T EVEN TALK
TO MY KIDS ABOUT THIS TOPIC
ENOUGH.
I UNDERSTAND.
I HAVE PEOPLE TALKING ABOUT
HOW THEY TOOK CHEMISTRY OR
BIOLOGY.
WE TEND TO MISS OUT ON LEARNING
HOW TO BALANCE A CHECKBOOK AND
LEARNING ABOUT THE STOCK MARKET
AND THINGS LIKE THAT.
WHY IS THAT?
THAT WE DON'T LEARN ABOUT THESE
THINGS GROWING UP WHEN THEY ARE
SO KEY IN OUR LIVES.
I FIND THAT MASSACHUSETTS IS
ONE OF MANY STATES THAT DON'T
LEGISLATE THAT WE HAVE FINANCIAL
LITERACY AS A PROGRAM FOR OUR
STUDENTS.
AND OFTEN, IF IT IS AVAILABLE IT
IS AN ELECTIVE.
SO STUDENTS TAKING AP CLASSES
DON'T HAVE TIME TO WORK IN AN
ELECTIVE ON PERSONAL FINANCE.
SO THAT IS THE BIGGEST
CHALLENGE.
THERE WAS A REPORT OUT RECENTLY
FEDERATED ALL THE STATES ON THE
FINANCIAL LITERACY KNOWLEDGE ON
HOW THEY HANDLE MONEY AND
MASSACHUSETTS GOT A B GRADE.
WHICH IS GOOD BECAUSE THE UNITED
STATES IS A C MINUS AS A WHOLE.
HOWEVER, FOR FINANCIAL LITERACY
IN HIGH SCHOOL, MASSACHUSETTS
GOT THE F GRADE.
IS THERE A CERTAIN AGE THAT
COMES IN LOOKING FOR HELP OR IS
IT EVERYBODY?
CRACKS FOR US, IT IS EVERYONE.
YOU WOULD BE SURPRISED HOW MANY
PEOPLE ARE IN THE 50'S AND 60'S
THAT ARE COMING IN.
I THINK THE RETIREMENT INCOME
EXTENT.
SAYING NOW I REALLY HAVE TO PAY
ATTENTION TO MY MONEY.
I THINK SOME OF THAT IS
HAPPENING.
AND YOU TALK ABOUT TALKING TO
YOUR CHILDREN.
AND I THINK THAT IS ONE OF THE
BIG ISSUES.
WE NEED TO SPEAK TO YOUR
CHILDREN ABOUT WHAT IS GOING ON.
IF THERE IS A FINANCIAL ISSUE IN
THE HOUSE, CHANCES ARE THEY DO
KNOW IT.
WE ALWAYS TABOO AT HOW YOU TELL
A CHILD TO TURN OFF THE LIGHTS.
BUT YOU NEVER SHOWED THEM THE
ELECTRIC BILL.
AND SAY ACTUALLY, THIS IS THE
NUMBER WE ARE TRYING TO GET
DOWN, SO LET'S WORK ON IT.
WE DON'T MAKE THOSE CONNECTIONS
FOR THEM AND IT IS HARD.
THERE ARE LOTS OF THINGS YOU CAN
DO EVERY DAY TO REINFORCE THAT.
BUT MILLIONS OF PARENTS DON'T
HAVE THE SKILLS THEY NEED SO IT
IS REALLY HARD.
IT IS A DILEMMA.
AND THE WHOLE FACT THAT
MASSACHUSETTS IS ONE OF THE ONLY
STATES IN THE UNION THAT DOESN'T
THINK THAT FINANCIAL LITERACY IS
IMPORTANT IS MIND-BOGGLING TO
ME.
WE ARE GOING TO TALK ABOUT
SOME PROGRAMS THAT THE STATE IS
COMING UP WITH NOW TO CHANGE
THAT.
IT SEEMS LIKE AN MASSACHUSETTS
WE DON'T GET A LOT OF IT IN
SCHOOL?
ABSOLUTELY.
MOST OF OUR CLIENTS HAVE NEVER
HAD ANYBODY SIT DOWN WITH THEM
AND EXPLAIN OK.
HERE IS HOW YOU GET THROUGH THE
MONTH.
WE TRY TO DO THIS IN A
NON-CHALLENGING WAY WITH GOAL
SETTING AND FINDING OUT A LOT
ABOUT THE PERSON FIRST.
WHERE THEY WANT TO GET TO.
WHAT IS TROUBLING THEM,
FINANCIALLY.
AND TAKING SMALL STEPS.
BABY STEPS WITH SHORT-TERM GIRLS
AND LONG-TERM GOALS.
NOBODY DICTATES TO SOMEBODY HOW
THEY MUST HANDLE THEIR FINANCES.
THEY ARE JUST BEING GIVEN TOOLS
IN THE LONG-TERM FOR A PLAN.
THE PROGRAM IS MEANT FOR THEM TO
COME BACK ON A REGULAR BASIS SO
THEY DEVELOP TRUST BACK AND
FORTH.
AND STARTING TO MEET THE SHORT
TERM GOALS.
SO THAT PART IS VERY EXCITING.
GETTING THEM IN THE DOOR IS THE
BIGGEST CHALLENGE.
IT MUST BE DIFFICULT WITH
TEACHING BECAUSE NOT EVERYONE IS
IN THE SAME BOAT WITH HOW MUCH
THEY HAVE SAVED OR WHAT THEIR
LIFESTYLE IS.
SO THE ONE-ON-ONE MUST WORK
REALLY WELL.
BUT IN A GROUP SETTING, YOU MUST
TALK IN MORE GENERAL TERMS,
THESE ARE THE THINGS YOU SHOULD
BE LOOKING AT AND THESE ARE THE
RECOMMENDATIONS, WHEREAS
ONE-ON-ONE YOU COULD SAY OK, $50
SAVED THIS WEEK.
THE OTHER THING IS THAT WHEN
PEOPLE THINK FINANCIAL
OPPORTUNITY, THEY THINK
BUDGETING BUT UNDERSTANDING
CREDIT IS MORE IMPORTANT.
BECAUSE IF YOU MAKE A BAD CREDIT
DECISION AND A BAD BORROWING
DECISION, YOU PROBABLY LIVE WITH
THAT FOR SEVERAL YEARS.
AND IF YOU MAKE ONE, YOU WILL
PROBABLY MAKE ANOTHER ONE.
AND WE FIND A LOT OF PEOPLE
WHERE IT ISN'T THAT THEY MADE
NOT ENOUGH MONEY, THEY JUST MAKE
TERRIBLE DECISIONS.
THEY JUST CAN'T KEEP UP WITH THE
INTEREST.
SO WE REALLY BELIEVE THAT
UNDERSTANDING CREDIT HAS TO BE A
VITAL PORTION OF THAT FINANCIAL
LITERACY.
BECAUSE IT IS CRITICAL.
AND THAT IS WHERE YOU CAN REALLY
MESS THINGS UP FOR YOURSELF.
AND IT IS SO HARD TO GET OUT OF
IT.
I THINK THOSE CLASSES ARE
REALLY IMPORTANT.
WE HAVE BEEN REALLY FORTUNATE TO
BEALE TO PARTNER WITH A NUMBER
OF THE BANKS IN THE REGION AND
THEY COME IN TO TEACH THE MONEY
SKILLS CLASSES.
AND THE IMPORTANT THING ABOUT
THAT MODEL IS THAT IT IS
NONTHREATENING.
BECAUSE SO MANY PEOPLE IN THE
ROOM -- WE USE THESE INSTANCES
OF PRETEND PEOPLE WHO GET
THEMSELVES INTO TROUBLE BECAUSE
THEY RENTED FURNITURE AND NOW
THEY HAVE A PROLIFIC MONTH.
MAYBE THEY BOUGHT SOME THINGS
THEY SHOULDN'T A PURCHASE.
AND THEY MIGHT SEE THEMSELVES IN
THAT AND LATER ON SITE, I BET I
DO COULD BENEFIT FROM FINANCIAL
COACHING.
THAT IS THE RESULT OF BEING IN A
GROUP SETTING AND I THINK THAT
IS THE BENEFIT OF THE CLASSES.
WE WILL TALK ABOUT THIS MORE
AND WE WILL TALK ABOUT JR.
ACHIEVEMENT ESPECIALLY AND HELP
YOUNG PEOPLE ARE LEARNING THE
SKILLS THAT WE ALL SHOULD KNOW
IN LIFE.
YOU ARE WATCHING "22 NEWS
INFOCUS.
WELCOME BACK.
TODAY WE ARE TALKING ABOUT
FINANCIAL LITERACY AND PROGRAMS
THAT CAN HELP PEOPLE LEARN TO
MANAGE YOUR MONEY.
WE WERE JUST TALKING ABOUT THE
DIFFERENT TYPES OF PROGRAMS THAT
ARE OFFERED IN WESTERN
MASSACHUSETTS.
GROUP SETTINGS OR ONE-ON-ONE.
DURING THE BREAK, I SAID THAT I
WISH I TOOK A COLLEGE COURSE ON
SOME KIND OF FINANCIAL LITERACY
BECAUSE EVERYBODY NEEDS HELP.
BUT YOU SAY THAT THOSE CLASSES
ARE CANCELED, OFTENTIMES?
COLLEGES DO TRY TO OFFER THEM
BUT STUDENTS ARE NOT NECESSARILY
SIGNING UP BECAUSE THEY DON'T
SEEM INTERESTING.
AND I THINK THEY'RE REALLY
BUSY.
IT IS ONE OF THOSE THINGS WHERE
IT IS LIKE, WHERE DOES THAT FIND
IN THE PRIORITY OF BEING AT
SCHOOL?
AND IF THEY DON'T REALIZE HOW
IMPORTANT IT IS, IT WON'T GET
THE HIGHER RANKING.
SO THAT IS ANOTHER ROADBLOCK AS
TO WHY THEY ARE NOT BEING
FULFILLED.
THAT IS WHERE JR. ACHIEVEMENT
COMES IN HANDY.
BECAUSE PEOPLE CAN LEARN THIS IN
HIGH SCHOOL AND THEY DON'T HAVE
TO WORRY ABOUT IT WHEN THEY GET
INTO COLLEGE AND REALIZE THERE
ON THEIR OWN.
HOW DOES JR. ACHIEVEMENT HELP
HIGH SCHOOL STUDENTS?
CAN YOU TALK ABOUT THE PROGRAM?
WE ACTUALLY START WITH
PROGRAMS AS EARLY AS
KINDERGARTEN.
TALKING ABOUT WANTS AND NEEDS.
WE GIVE THEM A BANK AND WE TALK
ABOUT SAVING MONEY AND EARNING
MONEY.
IT GOES ALL THE WAY UP TO
RUNNING A BUSINESS.
IN THE THIRD GRADE, THEY LEARN
ABOUT WRITING CHECKS.
MIDDLE GRADES THEY ACTUALLY HAVE
AN ACTIVITY WHERE THEY TRY TO
UNDERSTAND THE DIFFERENCE
BETWEEN A DEBIT CARD AND A
CREDIT CARD.
WHICH ONE CHARGES INTEREST?
WHICH ONE COMES OUT OF YOUR
CHECKING ACCOUNT?
AND WE HAVE PROGRAMS WHERE WE
CALL THEM THE HIGH SCHOOL HEROES
AND WE HAVE HIGH SCHOOL STUDENTS
WHO HAVE HAD A PROGRAM WHO THEN
GO INTO THE YOUNGER GRADES AND
THEY ARE TEACHING.
THEY ARE THE VOLUNTEERS WHO GO
IN.
SO THEY TEACH FINANCIAL
LITERACY.
WE HAVE COLLEGE STUDENTS THAT GO
INTO THE PUBLIC SCHOOLS TO
TEACH.
SOMETIMES THEY LEARN BY JUST
BEING.
IT MIGHT NOT BE SOMETHING THEY
GOT IN THIS GRADE OR THEN BUT WE
START TAXES IN SECOND GRADE.
AND THEY LEARNED THAT WE ARE
PAID A CERTAIN AMOUNT OF MONEY
TO BE A DOUGHNUT WORKER.
THE NEXT SESSION THEY COME IN,
THEY GET PAID FIVE DOLLARS FOR
BEING A DOUGHNUT WORKER BUT THEN
THEY HAVE THE POLICE AND THE
FIREMEN AND HOW DO WE PAY THOSE
PEOPLE.
AND THERE IS A TAX COLLECTOR
BUTTON.
AND THE TAX COLLECTOR TAKES TWO
DOLLARS OUT OF THE FIVE DOLLARS.
THAT IS A REALITY CHECK.
AND THEN THERE IS THE POLICEMAN
AND ARMY AND THINGS LIKE THAT.
SO I THINK THE BEST SITUATION
WOULD BE A CONTINUUM WHERE THEY
ARE EXPOSED TO IT MULTIPLE TIMES
AT DIFFERENT AGES.
WITH THE MIDDLE GRADERS, WE DID
THE DEBIT AND CREDIT CARD AND A
STUDENT SAID, CAN I TAKE THIS
HOME?
I WANT TO SAVE THIS FOR WHEN I
AM IN COLLEGE SO I CAN LOOK AND
MAKE GOOD DECISIONS.
SO IT IS REALLY KEY TO OFFER IT
AT DIFFERENT AGES AND STAGES.
DOESN'T WORK SO THAT MAYBE
ONE SCHOOL DISTRICT HAS JR.
ACHIEVEMENT K-12?
OR IS IT SPORADIC?
UNFORTUNATELY IT IS SPORADIC.
OUR LARGEST CONCENTRATION IS
HERE IN HAMPDEN COUNTY.
SOME OF THEM GET IT.
THE MAJORITY -- WE ARE REACHING
OUT TO THE HIGH SCHOOLS.
85% OF THE PROGRAMS ARE IN
ELEMENTARY SCHOOLS BECAUSE IT IS
WARM AND FUZZY AND EVERYONE
LIKES TO WORK WITH A
KINDERGARTNER BUT THEN THEY GREW
INTO THE HIGH SCHOOL.
AND NOW WE ARE REACHING DOWN
INTO THE MIDDLE GRADES.
I THINK THE MIDDLE GRADES ARE
LAST.
BECAUSE EVERYBODY REMEMBERS WHAT
THAT WAS LIKE AND GETTING A
VOLUNTEER TO GO IN THERE IS
CHALLENGING.
BUT YOU DO LEARN AND THINGS LIKE
THAT.
SO THAT IS WHAT WE ARE HOPING.
IT IS PROVIDED TO THE SCHOOLS AT
NO COST.
SO IT IS SOMETHING THAT WE WORK
WITH THE TEACHERS AND THE
PARENTS AND WE TRY TO GET
PARENTS IN THERE AND BUSINESS
PEOPLE AND COLLEGE STUDENTS.
IT IS DURING THE SCHOOL DAY?
SO IT IS A WHOLE SAYING ABOUT
WHETHER IT IS IMPORTANT ENOUGH
TO MAKE TIME FOR IT.
THAT IS A CHALLENGE.
WE ARE VERY FORTUNATE THAT ALL
OF OUR PROGRAMS ARE CORRELATED
TO THE COMMON CORE IN ENGLISH,
LIQUID ARTS AND MATH.
SO THAT WE DO FEEL IT FITS IN AS
A SCIOSCIA'S CLASS AND A MISS
CLASS.
IT IS WORKING AROUND TESTING
SCHEDULES.
THERE IS A LOT OF TESTING AND
THAT IS PROBABLY THE BIGGEST
CHALLENGE.
THE OTHER THING I WAS
THINKING ABOUT AND YOU DID
MENTION THIS ABOUT THE YOUNGER
STUDENTS LEARNING HOW TO BALANCE
A CHECKBOOK, AND THEN LEARNING
ABOUT CREDIT AND DEBIT -- HOW
OFTEN NOWADAYS DO PEOPLE USE
THEIR CHECKBOOK VERSUS CREDIT
AND DEBIT?
DO YOU HAVE TO CHANGE THE WAY
YOU TEACH PEOPLE ABOUT FINANCES
BASED ON TECHNOLOGY CHANGES?
THERE ARE SO MANY MOBILE OPSWARE
YOU CAN LET THE MOBILE APP TRACK
YOUR FINANCES.
BUT I'M SURE THERE IS A DOWNSIDE
TO THAT.
THAT IS AN INTERESTING
COMMENT.
IN COLLEGE, WE HAVE A BRANCH ON
THE UMASS CAMPUS AND THEY WALK
IN AND THEY ASK FOR A DEBIT
CARD.
AND THEY HAVE NO IDEA THAT A
CHECKING ACCOUNT IS CONNECTED
WITH IT.
ALL THEY KNOW IS THAT THE DEBIT
CARD IS WHAT WORKS AND THAT IS
ALL THAT MATTERS.
WE TELL THE STORY OF THE KID WHO
WAS GOING TO GET AN APARTMENT
AND THEY NEEDED A CANCELED CHECK
TO RUN IT THROUGH.
AND HE SAID, DO I HAVE ANY OF
THOSE?
I HAVE NEVER SEEN THAT BEFORE.
YOU USE A CARD FOR EVERYTHING.
AND THE DEBIT CARD IS WHAT IT IS
AND BY THE WAY, THERE IS A
CHECKING ACCOUNT.
AND WITH ONLINE BANKING -- I
DON'T THINK THE TECHNICAL STUFF
IS REALLY THE ISSUE.
THERE ARE MOBILE APPS AND ONLINE
BANKING SYSTEMS DO HAVE SOME
KINDS OF BUDGET TRACKER BUILT
INTO IT.
BUT THIS IS ABOUT PSYCHOLOGY.
THIS IS GETTING PEOPLE IN THE
FREIGHT -- IN THE RIGHT FRAME OF
MIND AS TO WHAT THIS IS ABOUT.
THE TOOLS ARE OUT THERE.
WHETHER YOU USE A SHOEBOX AND A
PENCIL AND PAPER, IT REALLY
DOESN'T MATTER.
TALKING ABOUT NEEDS AND WANTS.
YOU COULD TEACH THAT IN
KINDERGARTEN BECAUSE THERE ARE A
DOUBLE TO STILL DON'T UNDERSTAND
THE DIFFERENCE BETWEEN A NEED
AND THEY WANT AND THAT IS THE
PROBLEM.
SO I THINK IT IS A LOT MORE THE
PSYCHOLOGY OF IT AND TRYING TO
DO IT IN A WAY THAT IS FUN OR
HAS HUMOR OR IS APPROACHABLE.
YOU KNOW, YOUNGER KIDS DON'T
REALLY KNOW ANY BETTER.
WHICH IS GREAT.
BECAUSE YOU CAN TELL THEM IT IS
HOW IT GOES.
BUT WHEN YOU WERE OLDER, IT IS
MUCH HARDER.
THESE PEOPLE HAVE PREDISPOSED
POSITIONS ABOUT EGGS AND IT IS A
LITTLE BIT OF WORK.
BUT HUMOR DOES WORK.
WE USE THAT A LOT IN OUR
CLASSROOMS.
THE ABSURDITY OF THINGS REALLY
HITS HOME WHEN YOU GO REALLY,
OK, I DO THAT.
WOULD YOU SAY THAT YOU
RECOMMEND PEOPLE NOT USE THE
ONLINE MOBILE APPS AND TRACKERS
OR ARE THEY GOOD THING?
I THINK WHATEVER WORKS FOR
THE INDIVIDUAL.
IF IT IS SOMETHING THAT OPENS
THE DOOR FOR THEM TO TAKE SOME
POSITIVE ACTION OR TO BECOME
RESPONSIBLE BANKERS THEN THAT IS
A WONDERFUL THING.
WE DON'T ESPOUSE ANY PARTICULAR
ONE BUT WE MIGHT THROW OUT A FEW
SUGGESTIONS IF SOMEONE IS
FLOUNDERING A LITTLE BIT.
IT IS GENERATING A LITTLE BIT OF
INTEREST IN THE TOPIC.
AND IT REALLY DOES GO BACK TO
THE NEEDS VERSUS WANTS.
AND WE TEACH THAT IN THE MONEY
SKILLS CLASSES.
BECAUSE IT IS SO IMPORTANT.
DO YOU WANT TO PAY YOUR RENT AND
BE A WILL TO STAY IN THE
APARTMENT OR DO YOU NEED SHOES?
DID SERIOUSLY COMES DOWN TO
THAT.
CAN YOU WRITE A CHECK FOR THOSE
WHO STILL WRITE CHECKS AND RUN
TO THE BANK AND SOMEHOW GET MORE
MONEY TO PUT MORE MONEY IN THEIR
AFTER PAYING YOUR RENT?
IT COMES DOWN TO COMMON SENSE
AND RESPONSIBILITY AND ATTENTION
TO DETAIL.
CLERICS INDUSTRIAL AND THERE
IS ALSO SOMETHING ABOUT
UNDERSTANDING THE MATHEMATICS OF
IT.
YOU TALK ABOUT HOW YOU GET A CUP
OF COFFEE EVERY DAY.
ON YOUR WAY TO WORK.
IF YOU DO THAT FIVE TIMES A WEEK
TIMES 50 WEEKS A YEAR, YOU HAVE
SPENT 40 TO $50 ON COFFEE.
I HATE HEARING THAT
STATISTIC.
BUT THAT IS I YOU HAVE TO
THINK ABOUT IT.
ESPECIALLY ON THE SMALLER TYPES
OF PURCHASES, THEY JUST GOBBLE
UP MONEY.
ANYTIME SOMEONE TAKES IT OUT TO
THE ANNUAL EXPENSE, THAT IS WHEN
IT HITS HOME.
THEN YOU CAN MAKE A DECISION OF
-- DO I REALLY WANT TO SPEND
$500 ON COFFEE A YEAR?
OR DO WANT TO MAKE IT HOME AND
BRING IT WITH ME?
SO THAT IS THE MENTALITY WE HAVE
TO GET PEOPLE INTO SO THAT THEY
UNDERSTAND.
AND THEN PEOPLE CAN DECIDE WHAT
IS YOUR PRIORITY.
AND THERE ARE THING IS THAT
EVERY EXPENSE CATEGORY HAS
ARRANGED.
SO TRANSPORTATION IS 5-10% OF
YOUR BUDGET.
BECAUSE MAYBE SOMEBODY WANTS TO
HAVE A NICE CAR.
BUT THERE IS A RANGE THAT YOU
SHOULD BE WORKING ON WITH YOUR
MAJOR CATEGORIES.
úúD4TTTTTT
YOU ARE WATCHING 22 NEWS IN
FOCUS AND WE ARE TALKING ABOUT
FINANCIAL LITERACY AND BEST
PRACTICES FOR MANAGING YOUR
MONEY.
WHAT ARE WE TALKING ABOUT WHEN
WE SAY FINANCIAL SECURITY?
EVERYONE HAS A DIFFERENT
DEFINITION OF WHAT THAT MIGHT
MEAN?
IS THERE A STANDARD THAT
EVERYONE SHOULD LIVE BY?
IT IS A FUNCTION OF WHERE YOU
ARE IN YOUR LIFE.
WHEN YOU TALK FINANCIAL
SECURITY, YOU ARE TALKING ABOUT
CAN I HANDLE OVERTIME AND
WITHOUT -- ON MY OWN.
CAN I AFFORD THAT?
FOR OTHER PEOPLE, IT COULD BE
SHORT TERM.
IT COULD BE THE EMERGENCY FUND
THAT YOU NEED.
3-6 MONTHS OF YOUR EXPENSES IS
WHAT YOU OUGHT TO HAVE IN THE
BANK AND NOT TOUCHED UNLESS YOU
NEED IT.
THAT GIVES YOU A LOT OF
FINANCIAL SECURITY.
IT ALL DEPENDS ON WHERE YOU ARE
IN YOUR LIFE.
AND THAT IS ANOTHER PROBLEM YOU
HAVE.
YOU GET COLLEGE KIDS THAT WANT
TO WORK ON INVESTMENTS BUT THEY
HAVE NO EMERGENCY FUNDS SAVED UP
.
SEE HAVE TO EXPLAIN TO THEM THAT
YOU KNOW, YOU NEED TO HAVE MONEY
SET ASIDE.
IT STARTS WITH THE BASICS OF HOW
YOU MAKE IT MONTH-TO-MONTH.
AND I THINK FINANCIAL SECURITY
TO A CERTAIN DEGREE IS MAKING
SURE YOU HAVE SOMETHING BESIDES
WHAT YOU NEED.
THE FIRST CATEGORY WE USE IS
SAVINGS ONLY DO BUDGETING.
AND WE SAY, WHY DO YOU THINK
THIS IS FIRST?
AND THEY SAY BECAUSE IT IS
IMPORTANT TO DO THIS.
AND IT IS IMPORTANT.
AND YOU WORK HARD EVERY DAY.
BUT YOU SAY YOU ARE IMPORTANT.
AND MY HOPES AND DREAMS ARE
IMPORTANT.
BUT IF YOU PUT INTO SAVINGS THEN
YOU DON'T GET THE COFFEE.
WE DO A ZERO-BASED BUDGETING
IDEA WHERE IF YOU MAKE $2000 A
MONTH, YOUR BUDGET SHOULD EQUAL
$2000 A MONTH.
YOU PAY YOURSELF FIRST.
MY GRANDFATHER USED TO TELL ME
THAT AND IT STILL WORKS.
IF YOU HAVE MONEY LEFT OVER, YOU
COULD SAVE MORE OR YOU COULD PAY
DOWN YOUR DEBT QUICKER.
AND THAT IS THE KEY.
AND YOU HAVE THE EXTRA.
SO IF PEOPLE TAKE THAT APPROACH
THAN IT WORKS OUT PRETTY GOOD.
TO TAKE IT STANDARD AMOUNT
EACH MONTH AND PUT IT INTO YOUR
SAVINGS ACCOUNT AND THEN PAY OFF
YOUR RENT AND YOUR MORTGAGE?
AND WHATEVER IS LEFT OVER, YOU
DEAL WITH THE DEBT YOU MIGHT
HAVE OR OTHER EXPENSES?
I THINK ALL OF US AGREE YOU
SHOULD PAY YOURSELF FIRST AND I
WISH EVERYBODY COULD.
BUT WE WORK WITH LOW-INCOME
PEOPLE WHO ARE JUST STRUGGLING.
THEY TRULY DON'T HAVE ANYTHING
TO PUT ASIDE.
SO THAT IS ONLY WORK WITH THE
SHORT TERM GOALS.
SO ANY FEW DOLLARS THAT THEY MAY
HAVE EXTRA MIGHT PAY DOWN A DEBT
OR AN ELECTRIC BILL OR
SOMETHING.
BECAUSE I FEELS GOOD WHEN THAT
IS DONE.
AND THAT IS A SENSE OF SECURITY.
TO PAY DOWN A DEBT AND TO NOT
HAVE THAT HANGING OVER THEIR
HEADS.
AS THEY WORK TOWARDS GETTING A
BETTER JOB OR A SECOND JOB, THEN
THEY CAN START MOVING TOWARDS
SAVINGS.
WE ALWAYS ADVOCATE FOR THAT BUT
SOMETIMES IT IS IMPOSSIBLE.
WHAT WOULD YOU SAY ARE SOME
OF THE BIGGEST MISTAKES PEOPLE
MAKE WHEN IT COMES TO FINANCES?
PEOPLE DON'T START SAVING
SOON ENOUGH.
IF YOU STARTED WHEN YOU WERE 16
AND YOU GOT YOUR FIRST JOB.
AND YOU PUT ASIDE $2000 A YEAR
FOR FOUR YEARS.
AND YOU SAID OK, THAT IS MY
MONEY.
AND YOU PUT IT IN AN IRA AND YOU
NEVER TOUCHED IT AND THEN YOU GO
WITH THE EXPENSES YOU GET AFTER
THAT TIME AND YOU LIVE YOUR LIFE
AND YOU LET IT JUST SIT THERE,
BECAUSE OF COMPOUND INTEREST, HE
WOULD PROBABLY HAVE OVER A
MILLION DOLLARS TO RETIRE ON
JUST FOR THE MONEY THAT YOU
SAVED THAT WHEN YOU ARE YOUNG,
MAYBE YOU DIDN'T NEED IT.
AND THEN YOU CAN GO ALONG WITH
THE INCOME THAT YOU HAVE.
SO WE TRY INTRODUCE STUDENTS TO
STARTING YOUNG AND BEING ABLE TO
WORK IT THAT WAY.
IT'S EVEN IF IT IS LOOSE CHANGE
THAT YOU HAVE.
THROW IT IN THE BANK.
IT ADDS UP AFTER A WHILE.
IS THERE AN IMPORTANCE STILL
TWO CDS?
WHEN I WAS GROWING UP, THEY WERE
LEGITIMATE BUT NOW THE INTEREST
RATE IS SO LOW, IS IT BETTER TO
JUST HAVE A SAVINGS ACCOUNT?
KEEP IN MIND WHAT YOU ARE
TALKING ABOUT IS AN INSURED
PRODUCT.
SO YOU CAN PUT $5,000 IN, YOU
WILL GET YOUR $5,000 OUT.
IT ISN'T AN INVESTMENT.
SO YOU ARE TRADING OFF RISK
VERSUS PROFIT.
SO YOU MAY BE OK WITH ONLY
GETTING .5% BECAUSE YOU CANNOT
LOSE THAT MONEY.
AND I THINK THAT IS WHY YOU HAVE
TO LOOK AT SAVINGS INSURED
PRODUCTS.
BUT GOING BACK TO YOUR IDEA OF
MISTAKES, BUT OF THE BIGGEST
MISTAKES IS THAT PEOPLE DO NOT
UNDERSTAND HOW TO BORROW.
THEY DON'T READ THE FINE PRINT.
THEY DON'T UNDERSTAND THE
INTEREST RATE THAT THEY ARE
PAYING.
NONE OF THAT.
WHEN YOU GET A CAR, THEY WILL
USUALLY ASK YOU, HOW MUCH DO YOU
WANT TO SPEND?
THEY WILL FIGURE OUT HOW TO MAKE
IT WORK, EVEN IF YOU TAKE OUT A
72 MONTH AUTO LOAN WHICH IS
PRETTY LONG.
BECAUSE THEY GOT YOU INTO THE
CAR FOR THE PAYMENT.
SO UNDERSTANDING WHAT YOU ARE
BORROWING AND HOW YOU PAY IT
BACK IS CRITICAL.
AND UNDERSTANDING YOUR CREDIT
SCORE.
BECAUSE YOUR CREDIT SCORE WILL
DETERMINE WHETHER YOU GET A LOAN
AND WHAT YOU WILL PAY FOR THE
LOAN.
IT COULD BE THE DIFFERENCE
BETWEEN PAYING 5% OR 6% OR PAY
15%.
THAT IS A BIG NUMBER.
PLEA TO TEACH EVERYBODY WHAT A
CREDIT SCORE IS AND HOW IT WORKS
AND THAT YOU HAVE CONTROL OVER
YOUR CREDIT SCORE AND YOU CAN
MAKE IT GO DOWN OR UP, DEPENDING
ON WHAT YOU ARE DOING -- TO ME,
I THINK THAT IS CRITICAL.
IF YOU CAN SAVE MONEY ON
INTEREST PAYMENTS THAT YOU ARE
MAKING, THAT IS HOW YOU GO AHEAD
AND HAVE THE EXTRA MONEY TO DO
THE SAVINGS THAT YOU WERE
TALKING ABOUT.
BUT IF YOU ARE JUST PAYING SOME
RIDICULOUS RATE ON AN AUTO LOAN,
YOU NEVER HAVE THE MONEY TO DO
IT.
AND CHANCES ARE, THE CAR WILL
NOT ELAPSE THE AUTO LOAN.
WE SAT A TIME WHEN PEOPLE WANT
TO REFINANCE A CAR WHERE THEY GO
MORE THAN THE CAR IS WORTH.
AND IT HAPPENS ALL THE TIME.
AND YOU CAN'T HELP THAT PERSON.
IT IS VERY DIFFICULT TO.
WE WILL TRY HER BEST BUT IF YOU
OH $4000 ON YOUR CAR AND YOU ARE
TRYING TO REFINANCE IT AND THE
CAR ISN'T WORTH WHAT YOU HAVE
LEFT ON THE AUTO LOAN, YOU SAY,
YOU TOOK OUT AND 84 MONTH AUTO
LOAN.
THAT IS WHY YOU NEVER GOT AHEAD
ON THIS.
AND THAT IS HARD.
IT STAYS WITH YOU FOR A LONG
TIME.
AND WANT TO TALK TO YOU ABOUT
THAT DECISIONS THAT PEOPLE MAKE
BUT TALKING A CREDIT SCORES,
THERE WAS SOMETHING THAT JUST
CAME OUT ACTUALLY WARY COMPANY
IS LOOKING INTO HOW THEY MAKE A
CREDIT SCORE, MAYBE THEY ARE
CHANGING THE WAY THAT A LOOK AT
IT?
SO WHERE IT MIGHT HAVE BEEN OK
FOR YOU TO PAY THE MINIMUM
AMOUNT ON YOUR CREDIT CARD, NOW
THEY SAY YOU SHOULD COME HERE
AND PAID IN FULL.
THERE ALWAYS ADJUSTING THE
CREDIT SCORE.
THERE ARE PEOPLE WHO ARE TRYING
TO WORK ON A SCORE THAT DOESN'T
WORK ON THE CREDIT.
SO DO YOU PAY YOUR SITE PHONE
BILL -- DO YOU PAY YOURSELF ON
BILL.
ONE THIRD OF YOUR CREDIT SCORE
IS SIMPLY PAYING YOUR BILLS ON
TIME.
IT IS THAT SIMPLE.
PAID ON TIME.
ONE THIRD OF YOUR SCORE.
ANOTHER THIRD IS THE BALANCE OF
YOUR OUTSTANDING DEBT.
SO LOWERING THOSE AS BEST YOU
CAN HELPS.
THAT IS 2/3.
THE REST TAKES CARE OF ITSELF.
KEEP YOUR BALANCE SHOW.
-- KEEP YOUR BALANCE LOW AND PAY
ON TIME.
ONE OF THE THINGS WE RECOMMEND
EVERYBODY DOES IS TO PUT THE
MINIMUM PAYMENT ON AN AUTOMATIC
PAYMENT PLAN FOR YOUR CREDIT
CARD.
THAT WAY YOU KNOW THAT ONE THIRD
OF YOUR SCORE IS GOING TO BE OK.
AND WHEN THE BILL COMES IN, YOU
HAVE PAID DOWN THE BALANCE A
LITTLE BIT.
PAY $75 OR WHATEVER YOU CAN DO.
THAT IS CRITICAL TO UNDERSTAND.
EVERYTHING REVOLVES AROUND YOUR
CREDIT SCORE.
WE HAVE TO TAKE A BREAK BUT
WE WERE JUST TALKING ABOUT
THE BIGGEST MISTAKES THAT YOU
MAKE WHEN PEOPLE DEAL WITH
FINANCES.
WHAT YOU THINK OF THE BIGGEST
THINGS THAT PEOPLE MAKE?
SOME OF THEM ARE IGNORING
SOME OF THE EARLY SIGNS THAT
THEY MIGHT BE IN TROUBLE.
THEY'RE NOT PAYING ATTENTION TO
THE OVERSPENDING.
AND WHEN THEY DO REALIZE THAT,
THEIR CREDIT SCORES TOO LOW, IT
WILL BE A GREAT OPPORTUNITY TO
PULL THE CREDIT REPORT AND TAKE
A GOOD LOOK AT IT.
GO THROUGH IT, OR LINE BY LINE.
WHAT CAN BE ADDRESSED?
WHAT CAN WE PAY DOWN?
AS YOU GO THROUGH THAT, IT CAN
TAKE MONTHS AND YEARS, BUT IT
CAN BE FIXED.
YOU CAN GET YOUR CREDIT SCORE TO
GO BACK UP.
IT DOES TAKE EFFORT.
PEOPLE THINK THAT IF THEY ARE
YOUNG AND THEY OPENED A BUNCH OF
CREDIT CARDS THEN THEY SHOW THEY
CAN USE CREDIT AND THEY KNOW
WHAT IS GOING ON BUT THAT
PROBABLY ISN'T THE BEST THING TO
DO?
NO, I WOULD SAY YOU GET
CREDIT BECAUSE YOU NEED IT.
AND IF YOU DON'T NEED IT, DON'T
GET IT.
PRETTY MUCH.
AT SOME POINT IN OUR LIVES,
WE DO NEED TO TAKE A CREDIT CARD
FOR SOMETHING.
SO LET IT HAPPEN NATURALLY?
IF YOU'RE 21 YEARS OLD TODAY,
BY THE TIME YOU'RE 60 YEARS OLD,
YOU WILL HAVE BORROWED OVER $1.1
MILLION.
-- YOU KNOW, EDUCATION OR
WHATEVER.
THAT IS REALLY CRITICAL.
I WANT TO TALK ABOUT THRIVE.
CAN YOU EXPLAIN WHAT THAT
PROGRAM IS ABOUT?
IT IS EIGHT FINANCIAL SUCCESS
CENTER.
WE HAVE A NUMBER OF LOCATIONS.
WE HAVE AT THE PRIVATE HSBC.
WE HAVE ONE IN DOWNTOWN AND 3.5
WEEKS AGO, WE OPENED ONE IN
WESTFIELD.
AND THEY ALL SEEM TO BRING ON
DIFFERENT TYPES OF CLIENTS.
DIFFERENT PEOPLE WALKING IN THE
DOOR AT EACH LOCATION.
I RARELY STUDENTS AT THE COLLEGE
CENTERS.
WE HELP PEOPLE WITH INCOME
SUPPORT, CONNECTING THEM TO THE
WORKFORCE DEVELOPMENT RESOURCES.
MAKING SURE THEY GO THROUGH THE
ORIENTATIONS OF THE ONE-STOP
CAREER CENTERS.
THE WAY WE GO ABOUT THAT ARE THE
MONEY SKILLS CLASSES.
THE MAIN FOCUS IS ON THE
INDIVIDUAL COACHING.
AND IT IS LONG-TERM.
IT IS MEANT TO BE A SEQUENTIAL
PROCESS.
AND THAT SEEMS TO BE A MODEL
THAT SHOWS POWER.
AFTER A WHILE, THEY DON'T NEED
US ANYMORE.
IT IS ABSOLUTELY FREE.
THE TARGET AUDIENCE IS
LOW-MODERATE INCOME INDIVIDUALS.
IF PEOPLE ARE NOT WORKING THAT
WILL STILL WORK WITH THEM.
WE GET BASIC INFORMATION BUT THE
FIRST QUESTION IS, WHAT ARE THE
SHORT TERM GOALS AND THE
LONG-TERM GOALS AND THEN WE TALK
ABOUT WORKING ON A BUDGET.
AND MAYBE LOOKING AT A CREDIT
SCORE AND PULLING A CREDIT
REPORT AND THAT KIND OF THING.
HOW IS THE PROGRAM FUNDED?
WE ARE SO FORTUNATE.
WE HAVE WONDERFUL BANKS IN THE
REGION WHO HAVE BEEN FUNDING US
AND A FEW FOUNDATIONS AS WELL.
THEY HAVE BEEN SUPPORTERS SINCE
THE INCEPTION OF THE PROGRAM.
AND THEY WERE PART OF THE DESIGN
TEAM FROM EARLY ON.
AND THEY HELPED US FIGURE OUT
LOCATIONS AND TARGET AUDIENCE
AND SERVICES.
SO WE FEEL LIKE WE HAVE GREAT
MOMENTUM.
AND WE DO HAVE TWO POUND THE
PAVEMENT ON A REGULAR BASIS TO
GET PEOPLE TO WALK IN THE DOOR.
BUT WE HAVE HAD A NUMBER OF
WONDERFUL SUCCESS STORIES.
YOU SAY PEOPLE COME TO
REFERRING AGENCIES BUT PEOPLE
WATCHING, BUT THEY COME IN?
ABSOLUTELY.
AWESOME, HOPEFULLY YOU WILL
TAKE ADVANTAGE OF THAT.
LET'S TALK ABOUT WHAT WE TOUCH
ON EARLIER.
THE STOCK MARKET.
A LOT OF PEOPLE FIND THAT
CONFUSING.
IF PEOPLE ARE HAVING FINANCIAL
DIFFICULTIES, THEY DON'T HAVE
THE EXTRA MONEY TO PAY FOR A
FINANCIAL ADVISOR SO IS IT WORTH
IT TO PLAY THE STOCK MARKET?
WHEN SHOULD YOU START DOING
THAT?
INTRODUCING YOUNG PEOPLE TO
THE IDEA OF THE STOCK MARKET IS
GOOD TO DO.
WE DO HAVE A PROGRAM WE STARTED
AND IT WILL BE A 12 YEAR THIS
NOVEMBER CALLED THE STOCK MARKET
CHALLENGE.
AND WE GO FROM EIGHT GRADE
THROUGH HIGH SCHOOL.
STUDENTS GO ONLINE AND THEY HAVE
ACTIVITIES THAT THEY DO.
THERE IS AN ONLINE SIMULATION.
AND THEY HAVE AN ACTUAL DAY OF
TRADING.
I SAY A FAKE MILLION DOLLARS AND
THEY GET 60 DAYS OF TRADING BUT
EACH DAY IS ONLY A MINUTE.
WHAT THEY'RE LEARNING IS THE
FACTORS THAT CAN IMPACT THAT.
WHETHER IT IS FROST IN FLORIDA
AND YOU HAVE ORANGE STOCK.
OR A BOTTLING COMPANY.
THEY LOOK AT INDUSTRIES AND WE
TELL THEM TO READ THE NEWSPAPER
AND READ ONLINE AND FIND OUT
WHAT IS GOING ON IN THE WORLD.
AND THAT IS WHAT WE HAVE BEEN
FINDING WITH THE STUDENTS IS
THAT WE LIKE IT.
AND WHEN THEY HAVE THE FUNDING
AVAILABLE THEN THEY SHOULD BE
ABLE TO KNOW WHAT IT IS.
BECAUSE A LOT OF THEM GO TO WORK
AND THEY SAY OH, WE DO HAVE A
401(K), PICK YOUR STOCK.
WE TAKE THE APPROACH OF
FINANCIAL ADVISORS AND PLANNERS
AND PROFESSIONAL PEOPLE WHO DO
THIS, WE REALLY TELL PEOPLE THAT
YOU OUGHT TO BE THINKING ABOUT
THAT.
AND THE REASON WHY IS BECAUSE IF
YOU THINK IT IS EMOTIONAL
DEALING WITH THE DAY TODAY,
THERE IS A LOT OF EMOTION WHEN
YOU ARE INVESTING MONEY THAT YOU
POSSIBLY COULD LOSE.
AND WHEN YOU HAVE A FINANCIAL
PLANNER OR A FINANCIAL ADVISOR,
THEY ARE NOT EMOTIONAL ABOUT
THAT.
THEY DO IT EVERY SINGLE DAY.
THEY SIT DOWN AND THEY DEVELOP
YOUR RISK PROFILE.
AND THEY SHOULD BE PUT YOU INTO
PRODUCTS THAT ARE APPROPRIATE
FOR YOU.
SO YOU CAN SLEEP AT NIGHT.
AND YOU SEE THIS TIME AND TIME
AGAIN.
HE WILL DO TRY TO DO THIS ON
THEIR OWN.
THE EMOTION GETS THE BEST OF
THEM.
AND THEY MAKE TERRIBLE
DECISIONS.
AND THERE IS NO RECOUPING OF
THAT, NECESSARILY.
SO WE DO A COUPLE OF BASIC
INVESTING COURSES THAT OUR
FINANCIAL PLANNERS AT THE CREDIT
UNION TO TO DISPLAY THE
GOALSETTING THAT YOU HAVE,
CRITICAL HERE.
COUSIN ON THE RETIREMENT AREA.
IF YOUR BUSINESS HAS A 401(K) OR
AN EMPLOYER, TAKE THE MATCH.
IT IS THE BEST WAY TO DOUBLE
YOUR MONEY.
YOU CANNOT DO THAT IN ANY OTHER
PLACE EXCEPT FOR LAS VEGAS.
LITTLE THINGS LIKE THAT ARE
CRITICAL.
AND WE LIKE TO TELL PEOPLE IT
ISN'T ABOUT THE MONEY HAVE, IT
IS THE TIME YOU HAVE TO INVEST.
A PERSON WHO IS 21 YEARS OLD
VERSUS A PERSON 61 YEARS OLD --
IF YOU'RE 21, YOU ARE 40 YEARS
TO INVEST.
IF YOU'RE 61, YOU DON'T.
SO IT IS OK TO START WITH $50 A
MONTH IF YOU START EARLY.
BECAUSE YOU CAN ALWAYS RAISE
THAT AMOUNT AS TIME GOES ON AND
YOU HAVE MONEY TO BE ABLE TO DO
THAT.
MY ADVICE IS TO TALK TO AN
ADVISOR AND START EARLY AND MOVE
IT FORWARD AND TRY TO INCREASE
THAT AS YOUR ABILITY.
WE'LL IS TELL PEOPLE THAT WHEN
YOU GET A RAISE, CAN YOU GIVE
YOUR 401(K) A RAISE?
CAN YOU TAKE THAT RAISE AND
INCREASE THAT?
HE WILL DO YOU THINK TO DO THAT.
AND THAT IS I YOU END UP GOING
FROM $50 A MONTH TO $500 A
MONTH.
YOU ARE WATCHING "22 NEWS
INFOCUS."
TODAY WE HAVE TALKED ABOUT
FINANCIAL LITERACY THROUGH YOUR
LIFE FROM KINDERGARTEN TO
RETIREMENT BUT WE HAVE NOT
TALKED SPECIFICALLY ABOUT THE
BIG EXPENSE FOR A LOT OF PEOPLE.
PAYING FOR COLLEGE.
AND A LOT OF TIMES PEOPLE WANT
TO HELP THEIR KIDS PAY FOR
COLLEGE BUT IT IS A LOT OF
MONEY.
HUNDREDS OF THOUSANDS OF
DOLLARS.
WHAT ARE YOUR RECOMMENDATIONS
FOR PARENTS AND STUDENTS GOING
INTO COLLEGE AND TRYING TO MAKE
THE MOST OF THEIR MONEY?
TO BEGIN WITH, TRYING TO SAVE
FOR COLLEGE IS CRITICAL.
TIME IS VALUABLE.
WHEN THE CHILD AND YOUR EXAMPLE
OF PUTTING MONEY AWAY WHEN YOU
ARE 16 -- BE REALISTIC WITH
GOING TO COLLEGE AND WHERE
YOU'RE GOING TO COLLEGE.
THERE IS A LOT OF EMOTION AND
PRESSURE ON KIDS.
AND WE TALK ABOUT -- I HAD A
GUIDANCE COUNSELOR SAY TO ME
THAT YOU SHOULDN'T BORROW MORE
THAN WHAT YOUR FIRST YEAR SALARY
WILL BE WHEN YOU'RE OUT OF
COLLEGE.
SO IF YOU ARE GOING TO GET A JOB
THAT IS $40,000 OUT OF COLLEGE,
YOU PROBABLY SHOULDN'T BORROW
MORE THAN 40,000 OF THAT BECAUSE
WHEN YOU DO THE MATH, YOU CANNOT
AFFORD THE LOAN.
SO IT IS A DEBT-RATIO --
DEBT-INCOME RATIO.
COMMUNITY COLLEGE IS A GREAT
PLACE TO START.
YOU CAN SAVE SOME MONEY.
WHEN I WAS GROWING UP COLLAR YOU
INTO CAUSE SHOULD FIND YOURSELF
BUT YOU CAN'T DO THAT ANYMORE.
IT IS THE CONVERSATION RIGHT UP
FRONT AND TRYING TO PAY FOR SOME
OF THAT.
SHOULD PARENTS BE STARTED
BEFORE THEIR BABY IS BORN?
ABSOLUTELY.
IF POSSIBLE.
WE RUN INTO SITUATIONS WHERE THE
PARENT AND CHILD ARE BOTH
STUDENTS.
AT THE TO COLLEGE.
AND THAT IS ALWAYS INTERESTING.
ANYONE IN COLLEGE, LISTEN
CAREFULLY.
LISTEN TO FINANCIAL AID.
THEY EXPLAIN EVERYTHING IN
DETAIL VERY CAREFULLY.
SOME OF THEM ARE GRANTS AND SOME
ARE LOANS.
UNFORTUNATELY, A LOT OF PEOPLE
DON'T HEAR LOAN, THEY HEAR
GRANT.
SO WHEN THEY GET OUT OF SCHOOL,
THEY DON'T REALIZE THAT THIS IS
COMING TO.
AND AGAIN, THEY HAVE TO GET SOME
KIND OF A JOB THAT WILL SUPPORT
THEM WITH THE ABILITY TO PAY
BACK THE LOANS AND IT ISN'T
ALWAYS CLEAR.
FOR THEY MAY HAVE GONE TO
ANOTHER SCHOOL AND THEY HAVE THE
DEBT THAT THEY DIDN'T THINK THEY
HAD INCURRED.
AFTER EACH YEAR OF COLLEGE,
DO YOU KNOW WHAT YOU GO AT THAT
POINT?
THE TIME IS NOT WHEN YOU ARE
GRADUATING.
YOU NEED TO UNDERSTAND THE U OF
BORROW 10,000 DOLLARS IN THE
FIRST YEAR SO HOW MUCH MORE CAN
I BORROW FOR THE NEXT COUPLE OF
YEARS?
THAT IS REALLY UNDERSTANDING AND
LISTENING.
THE LAST THING AN INCOMING
FRESHMAN ONCE A DO IS SIT DOWN
AND TALK ABOUT FINANCES.
SO IT IS HARD TO BE FOCUSED TO
DO THAT.
BUT THAT IS WHERE PARENTS HAVE
TO COME IN.
MAKE SURE THAT PARENTS KNOW
FULLY WHAT IS GOING ON WITH WHAT
WILL BE PAID AT THE END OF THE
FOR YOUR TIME.
I THINK ONE WAY CHILD CAN
HELP IS THAT UNDERSTANDING THAT
GOING TO SCHOOL BEFORE COLLEGE,
WHAT THEY DO IN MIDDLE GRADES
AND HIGH SCHOOL IS THEIR JOB.
AND YOU DO IT BECAUSE YOU ARE
INVESTING IN YOUR EDUCATION FOR
THE FUTURE.
IF YOU APPLY FOR GRANTS AND YOU
SHOW THAT YOU ARE WELL-ROUNDED
AND YOU HAVE GREAT ATTENDANCE
AND YOU HAVE DONE WELL IN
SCHOOL.
THAT IS THEIR JOB.
AND I THINK IF THEY TAKE IT MORE
SERIOUSLY -- THAT IS THEIR
SAVING AND THAT IS WHAT THEY CAN
DO TO HELP.
IT MUST HELP STUDENTS GOING
INTO HIGH SCHOOL WITH THE
KNOWLEDGE OF REALIZING THEY HAVE
BILLS AND LOANS WHEN THEY
GRADUATE, IT HAS TO HELP WHEN
THEY GO BACK TO HIGH SCHOOL AND
TELL THE STUDENTS.
WE HAVE A BOY WHO SAID HE
WANTED TO HAVE A SPORTS CAR.
AND A COLLEGE STUDENT SAID I DID
THAT.
HE SAID HE THOUGHT HE NEEDED THE
FANCY CAR.
MY INSURANCE IS $6,000 A YEAR.
SO THE IMPACT OF SOMEONE CLOSE
TO THEIR AGE SAYING THAT WAS
HUGE.
THOSE KIDS WALKED OUT OF A CLASS
WITH A DIFFERENT PERSPECTIVE ON
WHETHER THEY NEED A FANCY CAR.
YOUR POINT ABOUT BEING IN
SCHOOL AND THAT IS YOUR JOB, ONE
OF THE THINGS WE TELL OUR
STUDENTS IS FREE MONEY FIRST.
YOU HAVE NO IDEA THE MILLIONS OF
DOLLARS THAT ARE LEFT ON THE
TABLE FROM SCHOLARSHIPS IN THIS
COUNTRY EVERY YEAR.
IT IS RIDICULOUS.
HUNDREDS OF MILLIONS OF DOLLARS.
BECAUSE NOBODY TAKES THE TIME TO
GO AND GOOGLE ONLINE AND LOOK
FOR SCHOLARSHIPS.
IF HE SPENT 10 HOURS ONLINE AND
YOU FIND ONE SCHOLARSHIP AND YOU
GOT IT OR THOUSAND DOLLARS, YOU
AREN'T A HUNDRED DOLLARS AN
HOUR.
AND THAT IS A TEENAGER JOB.
THEY OUGHT TO BE LOOKING FOR
SCHOLARSHIPS EVERY YEAR.
AND IT IS AMAZING THE WEIRD
SCHOLARSHIPS THAT ARE OUT THERE
THAT YOU CAN TAKE A LOOK AT.
TAKE TIME DURING THAT.
THERE IS AN ADDITIONAL WAY TO
GET FREE MONEY.
THAT IS GREAT ADVICE.
WE HAVE LEARNED A LOT.
WE HAVE ALL OF THESE RESOURCES
AVAILABLE FOR YOU.
STAY WITH US.
YOU ARE WATCHING "22 NEWS
INFOCUS."
YOU ARE WATCHING "22 NEWS
INFOCUS."
TODAY WE HAVE LEARNED ABOUT THE
IMPORTANCE OF FINANCIAL
LITERACY.
AND BEST PRACTICES WITH
FINANCIAL CRISIS.
RUN TO THINK OUR GUESTS FOR
JOINING US.
IF YOU MISSED ANY OF THIS, YOU
CAN WATCH US AT ANY TIME.
FROM ALL OF US HERE, WE WISH YOU
A
-------------------------------------------
Yaroslavl, 1000 years of Russian history - Duration: 3:05.
Situated at the confluence of the Volga and Kotorosl Rivers around 300 km north-east of
Moscow, the historic city of Yaroslavl developed into a major commercial centre from the 11th
century.
There are two major passenger railway stations in Yaroslavl.
They can be easily mixed up.
The one you are probably looking for is called 'Yaroslavl-Glavny'.
The city is connected to Moscow by a fast electric train service with comfortable seats.
Just 3 hours from the capital of Russia and you are in the very centre of Yaroslavl.
Yaroslavl is one of the Golden Ring cities, a group of historic cities northeast of Moscow
that have played an important role in Russian history.
The historic part of the city is a World Heritage Site.
One of the central squares of Yaroslavl is called
Sovetskaya.
Ironically, the most beautiful and notable orthodox church in the town is located just
here.
This is the Church of Elijah the Prophet, which is a very prominent example of the way
in which the city developed in the 17th century.
The church of the Epiphany is an Orthodox church in Yaroslavl.
Built in 17th century as well, it is known for beautiful fresco paintings and tiled decoration
of facades.
Another famous cathedral in Yaroslavl, Uspensky, was built in the 13th century and destroyed
in the Soviet era, the city park was created on its place.
The cathedral was rebuilt in 2010, its construction was completed to the 1000th anniversary of
Yaroslavl.
While walking around the city centre you will definitely find this Kremlin-alike construction.
The truth is it is not the Yaroslavl Kremlin, it is the Cathedral of the Spassky (St Savior)
Monastery.
The Cathedral is the oldest buildings in the city.
Typical for a Russian monastery of the Middle Ages, the Spaso-Preobrazhensky Monastery in
Yaroslavl was not built to be no more than a place of worship, but also to be a citadel
and kremlin in case, in times of war.
Just near this monastery you can find a little structure, the Lady of Kazan Chapel.
If you have a one thousand rubles banknote, you can find it there as well along with the
monument to Yaroslav the Wise, the founder of the city.
1000 Anniversary of Yaroslavl was celebrated in Russia in 2003.
Huge part of the historic centre was renovated with some new sightseeings constructed.
Strelka park is one of them, it's a huge promenade area at the bank of the Volga river
with beautiful views.
The Volga embankment is a good example of urban planning in the classicist style; built
in the 1840s, this promenade walk has remained a favourite place for residents to take a
stroll and relax ever since.
-------------------------------------------
Soissons historical heritage - Duration: 0:38.
Soissons is the first capital of the francs
It was the first royal and christian capital in France
There is the Saint Gervais Saint Protais cathedral,
Saint jean des vignes abbey,
Saint Leger abbey,
Saint Médard Crypt
In Soissons, there used to be a lot of abbeys,
approximatively 7.
Enjoy your visit in Soissons!
-------------------------------------------
How to make a Text Post on Tumblr - Duration: 2:30.
Welcome to the video. As you can tell from the title, today I'm going to be explaining how to make a text post on Tumblr.
Now where we are right now is the home page also known as the
Dashboard. you have two options here to go about starting making a text post:
You can either click right here,
or you could go to the top and click that button and it would mimic the set of options on this menu right here.
But I think the simplest way to go about this is just click this right here.
For a text post you can put a title.
And you get to - what you're here for: the text.
See the cool part about this is if you highlight it. You can make it bold. You can italicize it. You can highlight it
You can even put a strike through it. There's all sorts of options here.
Now once you've finished with both the title and the text of the post you can add tags the bottom.
Which means that people who search for that tag would be able to find your post.
To create a tag you type it in and you can either put a comma
or you can press the enter key
either of them makes it into a tag.
If you want to get rid of a tag, you select it and then you press the backspace key and that gets rid of a tag.
That's good for if you misspell things which I do
relatively often.
If you don't want to post it right now you have other options. like you can add it to a queue which is a list of
Auto posting posts that can post while you don't have the time to upkeep your blog.
You can save it as a draft,
Which means that you want to work on it again later.
You can post it so that only you see it or you can schedule the exact time that you want it to go up.
But for now, we're going to do post now and
you just click that button.
And there you go. That's how you make a text post on Tumblr
-------------------------------------------
ZyzZ - Evolução Dos Deuses - Duration: 6:56.
For more infomation >> ZyzZ - Evolução Dos Deuses - Duration: 6:56. -------------------------------------------
GARGARAS "perfume" ensayo en vivo - Duration: 4:04.
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Soy Luna 2 - Rozmowa Luny i Matteo NAPISY PL - Duration: 0:46.
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child playing pigeon, feed pigeons. - Duration: 10:27.
HY GUYS
Now we feed pigeons
We are 4, 5, and 7 years old
Are not our pigeons so sweet?
We give them grass and feed
We will fly soon
And they will race in the sky
Some of my pigeons have a baby
This is the baby pigeon that you see and that 20 day
We sing to pigeons
The future of our videos will come
PLEASE SUBSCRİBE FOR MORE
-------------------------------------------
How to start a conversation in Shona - Duration: 10:00.
For more infomation >> How to start a conversation in Shona - Duration: 10:00. -------------------------------------------
Homestuck - Lost Boy - Team Charge (CC) - Duration: 4:51.
There was a time when I was alone
Nowhere to go and no place to call home
My only friend was the man in the moon
And even sometimes he would go away, too
Then one night as I closed my eyes
I saw a shadow flying high
He came to me with the sweetest smile
Told me he wanted to talk for a while
He said, "Peter Pan, that's what they call me"
"I promise that you'll never be lonely"
Ever since that day
I am a lost boy from Neverland
Usually hanging out with Peter Pan
And when we're bored, we play in the woods
Always on the run from Captain Hook
Run
Lost boy
They say to me
Away from all of
Reality
Neverland is home to lost boys like me
And lost boys like me are free
Neverland is home to lost boys like me
And lost boys like me are free
He sprinkled me in pixie dust and told me to believe
Believe in him
And believe in me
Together we will fly away in a cloud of green
To your beautiful destiny
As we soared above the town that never loved me
I realized I finally had a family
Soon enough we reached Neverland
Peacefully my feet hit the sand
And ever since that day
I am a lost boy from Neverland
Usually hanging out with Peter Pan
And when we're bored, we play in the woods
Always on the run from
Captain Hook
Run
Lost boy
They say to me
Away from
All of
Reality
Neverland is home to lost boys like me
And lost boys like me are free
Neverland is home to lost boys like me
And lost boys like me are free
Peter Pan
Tinker Bell
Wendy Darling
Even Captain Hook
You are my perfect story book
Neverland, I love you so
You are now my home sweet home
Forever a lost boy at last
Peter Pan
Tinker Bell
Wendy Darling
Even Captain Hook
You are my perfect story book
Neverland, I love you so
You are now my home sweet home
Forever a lost boy at last
And for always
I will say
I am a lost boy from Neverland
Usually hanging out with Peter Pan
And when we're bored, we play in the woods
Always on the run from Captain Hook
Run
Lost boy
They say to me
Away from all of
Reality
Neverland is home to lost boys like me
And lost boys like me are free
Neverland is home to lost boys like me
And lost boys like me
Are
Free
-------------------------------------------
7 Twitch Streamers Who Caught Ghosts Live! - Duration: 11:30.
7 Twitch Streamers Who Caught Ghosts Live!
-------------------------------------------
Tutorial Remera a Crochet (Parte 1) - Duration: 10:38.
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La Garde du Roi Lion - La Route des Hippos [Paroles] - Duration: 1:51.
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For more infomation >> La Garde du Roi Lion - La Route des Hippos [Paroles] - Duration: 1:51.-------------------------------------------
Message pour votre nuit. 23 Avril - Duration: 0:48.
For more infomation >> Message pour votre nuit. 23 Avril - Duration: 0:48. -------------------------------------------
For more infomation >> Message pour votre nuit. 23 Avril - Duration: 0:48.-------------------------------------------
How to start a conversation in Shona - Duration: 10:00. For more infomation >> How to start a conversation in Shona - Duration: 10:00. -------------------------------------------
[FREE DL] Lil Reese x Lil Durk Type Beat "Supa Savage" ( Prod. By Mister M) - Duration: 4:23.
Audio only, No vocals
-------------------------------------------
JUST IN: Maxine Waters' Dirty Personal Secret Leaks, Media Trying to BURY This Story - Duration: 3:14.��After eight years of Obama, the mainstream media has become skilled at hiding the truth.
Professional hypocriteMaxine Waters is under fire for outright lying to her constituents.
She claims to represent the racial-minority population of California s 43rd congressional
district, but she refuses to live there! (via The Blaze).
The recent special election, where Democrat shill Jon Ossoff was rejected, proves the
importance of residing in the district you claim to represent.
Like Ossoff, Waters is lying about her address.
Maxine Waters registers to vote in a rough area of southern Los Angeles, though she actually
resides in affluent Hancock Park.
Liberals can t even tell the truth about their own address.
In typical leftist fashion, Maxine Waters claims to be a champion of racial minorities
and the poor.
She is a member and former chair of the Congressional Black Caucus, and a constant race agitator.
However, hypocritical Maxine refuses to live in her own congressional district, which is
dominated by gangs.
Instead, she lives in a $4.2 million mansion in a gated community.
Maybe she should try practicing what she preaches.
The 43rd congressional district has a white population of 15 percent.
While Waters real neighborhood, Hancock Park, is less than 4 percent black, and over 70
percent white.
Why haven t the african american communities abandoned her?
She does not understand them.
Maxine proved utterly unwilling to live among the people she claims to represent.
Clearly, minority groups and the poor are only being exploited by Waters in her attempt
to gain power.
The liberals are skilled at exploitation.
Of course, Waters is typical of the Democrat elite, who are mainly centered in major cities
in New York and California.
Democrats claim to represent the poor from their million dollar mansions.
They claim to represent the working class, despite never having accomplished a hard day
s work.
Power is the only thing Democrats yearn for.
Social justice, racial equality, and economic fairness are only buzzwords used to convince
the masses that the Democrats care about them.
In reality, they foment division, and want to continue to earn the votes of the (supposedly)
oppressed.
Representatives should be required to reside in the district they claim to represent.
You cannot represent a group you refuse to rub shoulders with.
We need to change the laws and drain the swamp.
Thankfully, we have Donald Trump to make our nation great again.
Hopefully the voters of the 43rd district wake up to the fact that they are being taken
advantage of, and vote Maxine out of office at once.
Patriots, we need to share this story, so the world know the truth about Maxine Waters.
What do you think of the hypocritical Waters?
Please Share this news and let us know what do you think!
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