Chủ Nhật, 23 tháng 4, 2017

Youtube daily report Apr 23 2017

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!

For more infomation >> Watch and Learn - GTA Online [eng sub] - Duration: 0:16.

-------------------------------------------

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

For more infomation >> I ALMOST BROKE MY LEG!! | A DAY IN MY LIFE - Duration: 2:04.

-------------------------------------------

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.

For more infomation >> Pacific Rim Final Battle | The Sacrifice of Striker Eureka | Pacific Rim-(2013) 4K ULTRA HD - Duration: 4:56.

-------------------------------------------

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

For more infomation >> My Carb Cycling Diet Plan - Duration: 12:47.

-------------------------------------------

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!

For more infomation >> SEXY CAKE! (Vegan and Gluten-Free) - Duration: 0:42.

-------------------------------------------

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!

For more infomation >> JUST IN: Maxine Waters' Dirty Personal Secret Leaks, Media Trying to BURY This Story - Duration: 3:14.

-------------------------------------------

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?

For more infomation >> Kim Kardashian Goes To Dinner In Just A Bra! | TMZ TV - Duration: 2:11.

-------------------------------------------

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

For more infomation >> Black teacher crisis - Duration: 2:13.

-------------------------------------------

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

For more infomation >> InFocus: Financial literacy and managing your money - Duration: 48:54.

-------------------------------------------

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.

For more infomation >> Yaroslavl, 1000 years of Russian history - Duration: 3:05.

-------------------------------------------

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!

For more infomation >> Soissons historical heritage - Duration: 0:38.

-------------------------------------------

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

For more infomation >> How to make a Text Post on Tumblr - Duration: 2:30.

-------------------------------------------

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.

For more infomation >> GARGARAS "perfume" ensayo en vivo - Duration: 4:04.

-------------------------------------------

Soy Luna 2 - Rozmowa Luny i Matteo NAPISY PL - Duration: 0:46.

For more infomation >> Soy Luna 2 - Rozmowa Luny i Matteo NAPISY PL - Duration: 0:46.

-------------------------------------------

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

For more infomation >> child playing pigeon, feed pigeons. - Duration: 10:27.

-------------------------------------------

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

For more infomation >> Homestuck - Lost Boy - Team Charge (CC) - Duration: 4:51.

-------------------------------------------

7 Twitch Streamers Who Caught Ghosts Live! - Duration: 11:30.

7 Twitch Streamers Who Caught Ghosts Live!

For more infomation >> 7 Twitch Streamers Who Caught Ghosts Live! - Duration: 11:30.

-------------------------------------------

Tutorial Remera a Crochet (Parte 1) - Duration: 10:38.

For more infomation >> Tutorial Remera a Crochet (Parte 1) - Duration: 10:38.

-------------------------------------------

For more infomation >> Tutorial Remera a Crochet (Parte 1) - Duration: 10:38.

-------------------------------------------

La Garde du Roi Lion - La Route des Hippos [Paroles] - Duration: 1:51.

For more infomation >> La Garde du Roi Lion - La Route des Hippos [Paroles] - Duration: 1:51.

-------------------------------------------

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

For more infomation >> [FREE DL] Lil Reese x Lil Durk Type Beat "Supa Savage" ( Prod. By Mister M) - Duration: 4:23.

-------------------------------------------

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!

Không có nhận xét nào:

Đăng nhận xét