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Contact your institution if a bank statement or credit card bill does not arrive. Never provide bank account or other personal information in response to an unsolicited email, or. If you believe the email is fraudulent, consider bringing it to the attention. If you do open and respond to a phony email, contact your. For more about avoiding phishing scams, or to obtain a brochure with.
Take precautions with your personal computer PC. For example, install a free or low-cost firewall to. Download and frequently update security patches. Use passwords that will be hard for hackers to guess. For example, use a mix of numbers, symbols,. Also, shut down your PC when you are not using it. Review your credit report carefully for warning signs of actual or potential identity theft e. Keep a copy of the report in case your bank or. You might want to open new checking and savings accounts and stop.
You can also ask your bank to notify the check verification. Two of the check verification companies that accept reports of. Free dman, Jeri. Banks, credit unions, and thrifts are businesses that offer you a safe place to keep your money and use.
Banks, credit unions, and thrifts are also called financial institutions, since. Using direct deposit, for example, allows. We will talk more about direct deposit later. You can also. Most ATMs are available.
This means that the FDIC will return the money to the customers if a bank. You have to become a member of the credit union to keep your money there. Credit unions accept. Insured banks and thrifts are guaranteed by the FDIC. This means that if the bank were to fail the FDIC. The deposit. It lets you. You can find EDIE. Use the chart below when looking for a bank and accounts that are right for you.
Opening and maintaining a bank account is not as difficult as you might think. There are four basic. The first thing you need to do to open a bank account is to go through a process called account. If the bank determines that you are eligible to open an account, you can deposit money into your. You can write a check, use electronic banking, or use the teller service and a withdrawal slip. A check is a written contract between you and your bank. When you write a check, you are asking.
There are three steps you. When you receive your first box of checks you can expect to find information already printed on the. Insert your ATM card, using the illustration indicating which end of the card to insert first. On some. Use the keypad to enter the desired withdrawal amount.
The machine may ask if you want to complete another transaction or if you would like a printed receipt—. Remember to record all ATM transactions and fees in your check register to avoid overdrawing your. Your bank may only require you to sign a receipt the teller prints when completing a withdrawal. Completing a deposit slip in order to receive cash back is another option for withdrawing money.
Electronic banking uses computers to move money to and from your bank account instead of checks and. A debit card is similar to an ATM card but it has more functions. The difference is that you can use a. If someone uses your card without your permission, federal law protects you.
But the protection differs. With a debit card, the disputed transaction will have already been withdrawn from your account. You must report errors within 2. Some banks may voluntarily. With a credit card, you do not have to pay the disputed transaction while the company that issued the. If someone uses your credit card without your permission after.
When you swipe a card for a purchase where the exact amount is not known e. The hold will likely be for an amount greater than you actually spend. This temporary hold could prevent you from buying other things, even if you do have the money. If the hotel places a temporary hold on the funds in your account for. Many car rental companies and hotels allow you to use debit cards to reserve a car or a room. Automatic bill payment automatically takes money from your account to pay your bills.
If you use. Check your bills regularly to ensure the bill is accurate and. You may be responsible for late payments if the bill is not paid automatically as. Online bill payment is different from automatic bill payment in that you can designate when bills are.
You may be able to pay bills from your online banking account,. Depending on the services offered by your financial institution and your cell phone service provider, you. The Internet offers convenient new ways to shop for financial services and conduct banking transactions. However, safe electronic banking involves making wise choices that will help you avoid.
The Internet offers the potential for safe, convenient new ways to shop for financial services and conduct. However, safe electronic banking involves making good choices and. Match the fee description with its fee type. Read each description and choose a fee type from the box. Imagine that on March 26, 20XX you decide you want to buy a coffeemaker from a store called.
Complete your check register by entering the following transactions and calculating the new balance. Use the checking account statement to answer the questions below, and reconcile your check. Compare your check register with the monthly account statement. Put a small check mark. Are there any items that are listed on the monthly account statement that do not appear on the.
Calculate the balance by adding deposits or subtracting withdrawals from your check register. Read the description of each service. Choose the banking service that matches it, and fill in the. Look at these sentences to underst and the different. This means he can. The bank officer told Bob that he had bad credit, because after Bob lost his job he often wrote checks. His sister Anne is able to. If Anne needs to borrow money, she will pay a lower interest. Banks are more ready to lend money to people who have a regular income and pay their bills on time.
My neighbor Mrs. Miller suggested that I apply for a job at the pharmacy; so I should give her credit for. I showed my appreciation to Mrs. Miller by writing a short thank you note. Sarah always works hard and does an excellent job. She is a credit to her family, and her parents are. Harry asked the teacher if he could do another paper for extra credit, because he wanted to improve.
Heath, Julia A. Personal Finance Essentials: Budgeting and financial decision. New York: Meridian Education. Good habits pay off in many areas of life, and practicing good savings and investing habits is no exception.
Sometimes, a single action can create a continuing habit. For example, if you contribute as much as possible to. Not only does that eliminate the risk that you will forget to save or invest regularly,. In fact, you might ultimately decide it makes sense to do the bulk of your saving and investing this way.
Remember, too, that if you spend the money in a tax-deferred retirement account—such as an individual. Reinvesting all the interest, dividends or distributions you earn on your existing investments, which. Earmarking a percentage of all gifts, bonuses and unexpected income to your investment accounts;. Paying your credit card bills in full each month and investing the money you had been spending on. Making sure that the amount your employer withholds for taxes is neither too much nor too.
That might be a money market mutual fund or other cash account with your brokerage firm so that you can easily. If you invest directly with a mutual. The amount required for additional deposits is almost always less than the minimum to purchase a. Whether you open an account at a brokerage firm or with a mutual fund company or both, be sure to ask about. Finally, it is important to check your account statements—from every bank, brokerage firm, mutual fund company. If you detect an error, be sure to contact your financial institution right away.
And, for your. The first step to responsible saving and investing is getting a h and le on your expenses. Unexciting as it sounds,. By identifying and eliminating unnecessary extras, you might find that you have more resources than you. Saving and investing are essential to financial security. If you are spending all your income or worse, spending.
This generally requires making some tough choices such as cutting back. For example, buying a crib for a new baby. Few money-management strategies pay off as well as, or with less risk than, paying off all high-interest debt you. Using credit can have advantages and disadvantages. If you spend within your means and pay off your. But if you use them to purchase. Many credit cards charge interest rates that run as high as 1. If you owe money on your. Otherwise, money that. Paying only the minimum balance due each month can l and you in a perpetual cycle of debt.
Assuming you charge nothing else, it will take you months—more than 27 years—to pay. Once you have paid off your credit cards and any high-interest, short-term loans, you can create a budget that. That will allow you to chart a course to financial security.
To get started,. A desirable number to shoot for is a personal savings rate of 10 percent—but if that. Any positive savings goal is better than. Emergencies happen. A roof needs replacing. People are injured in accidents. Employers lay off workers. Insurance is one way to protect yourself against certain situations—such as a fire in your home or the unexpected. Health insurance is essential because there is. If you have access to credit, through a credit card or line of credit, you may be able to tap that resource in a pinch,.
Sooner or later,. To keep yourself financially grounded, especially in the face of unexpected events, you need to have an emergency. Then leave that money untouched unless you actually face a financial. Some people choose a CD for their emergency fund, or a series of CDs of approximately equal value, with one.
This approach is called laddering. You can roll over the CDs as they. The loss of interest you face for taking money out early may motivate you to. But in a real emergency, the interest you may lose is a small price to pay for having the. You might also consider buying U. Treasury bills with some of your emergency fund money. They, too, can be. That means there is no risk of. And because they have very short terms, like 4 weeks, 13 weeks or. Other options for an emergency fund include money market mutual funds.
A money market mutual fund is a. Compared with other types of mutual funds, money market funds are highly liquid, low-risk securities. Unlike money market deposit accounts, money market funds are not federally insured. While they are intended to. The Monthly Income and Expense Worksheet should be prepared on a monthly basis to help you. Read the scenario below and list the monthly. Read the scenario, review the Monthly Income and Expense Worksheet on the following page, and.
Shanise is recently divorced and has two children. Her ex-husb and has not been able to provide child. Shanise was working parttime before. However, that plan has. During the divorce Shanise and her husb and lost their house because neither of them could afford the. She has been able to save some money on child care because her husb and is able to care for the kids. Water is included in the. Additionally, her.
When she does not have time to prepare meals. Can you identify some ways she might change her spending to help balance her income and. If Shanise is unable to balance her income and expenses, how would you recommend she. Samar was doing well financially until he was laid off from work.
He has not been able to. This way you can. There are also a number of tax credits. The purpose of this exercise is to give you an opportunity to practice making budgeting decisions when. Read the scenario carefully. Answer the questions. Be prepared to. The Clarks hold off on paying their credit card bills until the end of the month because they know they. They have five credit cards. Three of them have an. The other two cards have an interest rate of 13 percent.
Two of the high. Looking over the credit card bills, Mr. When reviewing the bills, Mr. Clark confesses that he stops for coffee on his way to work every morning. Clark admits that she gets a pedicure and manicure twice a month.
By the time the Clarks pay their rent, utilities, car payment, and grocery bill, they do not have enough. A spending plan is a step-by-step plan for meeting expenses and financial goals in a given. These tools let you record in advance when you will receive income and when bills are due so you.
Assign dates to pay your basic necessities, or set aside money for monthly. You can cross out or check off expenses as you pay them so you can keep track of. This tool is useful if you pay your bills in cash each month. Make an envelope for each expense category.
Label the envelope with a category name, amount, and due date. Divide the income. Pay bills right away so you are. The budget box is a small box with dividers for each month, with one divider for each day of the month. As you receive income, pay your bills right away so you will not be tempted to spend your money on. If you have access to a personal computer you can create your own spreadsheet with a column for income.
At the end of the income sources and expenses. Free personal finance tools are also available online and you can purchase personal finance programs. Once you set up the system, updating information is quick and easy. It is important to enter transactions. Keeping accurate records helps you successfully implement and follow a spending plan. Keep financial. Organize your files so it is easy to find important financial.
A financial recovery plan will help you determine strategic ways you can save money, pay your bills,. Your financial recovery plan should include financial goals and a. To reach your financial goals it is extremely important to involve. Identify and write down your financial goals to keep yourself accountable and focused on your goals.
List your main financial goals and any supporting goals to help you reach them. Make sure each goal is. When you are ready to put your financial recovery plan into action you may need assistance to help cover. To identify and learn about local,.
If you think you make too much money to qualify for assistance programs, do not assume! There are. After experiencing a financial setback there are two ways to rebuild your credit: do it yourself or use a. Contact your creditors to explain. Review your insurance coverage at least once a year, and consult with an insurance representative about.
For free tips and online tools and information about insurance, check with organizations e. Here are some tips for reviewing and rebuilding your investment portfolio:. You will not see a significant drop in. If you can pay for extra expenses with your savings you can avoid paying the interest and fees you would.
Insurance - protection against damage, loss, theft, and other adverse situations. Correct Answer: b. Correct Answer: a. Typically rent is the same amount each month and does not vary. Correct Answer: d. Each of these tools are used for budgeting and explained in module.
A spending plan is an estimate of the amount of money you anticipate using or. Flexible expenses are outflows net income is an inflow and a daily spending diary is a tool. Correct Answer: c. A student loan is a debt that must be paid back and can only be used for. Gross income is the amount of money earned before money is taken out. Loans with high interest rates compound and rapidly increase debts so it is wise.
Credit card interest is debt and not an item that can lower your taxes. Choices a, b, and c are all effective steps that can be used for budget. Gough, Leo. Morrison, Jessica. LIT Pirie, Madsen. Economics made simple: how money, trade and markets really work,. Personal finance: Saving strategies No Brainers series, program 2. Cerebellum; Camarillo,.
Saving and investing Personal finance Essentials series. New York: Meridian Education Corp. People save and invest to have enough money at some point in the future to pay for the things they want or need. While you might hear these two terms used interchangeably, saving and investing are overlapping, yet distinct. Stated most simply, saving is the act of putting aside for another day.
If you have specific financial goals that will cost money—such as purchasing a car or a home, paying for college or. There are various ways to save. One way is to open one or more deposit accounts, such as a checking or savings. Insurance for bank accounts is provided by the Federal Deposit Insurance. Insurance Fund. As a result, when you put money into an insured bank. Retirement accounts in those same institutions are insured up to. Another way to save is to purchase U.
Savings bonds are backed. While maturity dates differ depending on the type of bond you. Series EE savings bonds pay a fixed rate of interest, while Series I savings bonds pay interest linked to the rate of. After that, you can cash it any time without penalty and collect the interest that has. Every savings institution tells you the interest rate it is paying, expressed as both a nominal, or named, rate and. If the APY is larger than the nominal rate, even by a little bit, that means the.
This process, called compounding, creates a bigger base on which. Banks and other financial institutions use a complex formula to calculate how interest compounds over the years. The Rule of 72 is a shorth and way to. If you. Remember, this illustration only focuses. The true magic of compound interest is that you earn interest not only on your principal, but also on the interest. Savings institutions offer different types of accounts, sometimes described as bank products, which pay different.
In general, the higher the rate paid on an account, the more limitations there are on access to your. You can. These accounts may impose fees or stop. If you take your money out before the CD matures,. Generally, the longer a. If you are willing to take a certain amount of risk with the money you have saved, you can use it to make. Two of the key ways in which investments differ from savings accounts are: 1 investments are not insured by.
If you choose your. Higher expected returns are accompanied by risk. By investing, you take the risk that the investments you choose. In a worst-case scenario, your investment might. You can limit your risk, however, by not putting all your eggs in one basket and by choosing a. While there are many things of value that you might choose to buy because you expect them to provide a. Treasury bills and other short-term interest-paying investments,.
Other types of investments include listed options, which are contracts to purchase or sell a stock at a set price in. Purchasing shares in a REIT is very different from the direct purchase of real estate. The latter can. An important difference, though, is that real estate is not traded on an.
In fact, while real estate may sell. Consider needs versus wants. Think about the items you purchase on a regular basis. These add up. Consider opening a checking account at a bank or credit union instead of using check-cashing stores. You might pay 2 percent or more of each check you cash.
If you would like more information. Keep making the monthly payments to yourself once you have paid off a loan. You can save or invest. Avoid debt that does not help build long-term financial security, including: loans for a vacation,. Examples of debt that helps build long-term financial.
Save your change at the end of the day and deposit it weekly or monthly. Save as much of your tax refund as possible. Choose to receive your tax refund via direct deposit. You can split it between a maximum of three different accounts e. Join a retirement plan i. Do your homework if you decide to purchase investments.
Know what you are investing in and. You should have at least two to six months of emergency cash. Reinvest the dividends of any stocks you own to purchase more stocks. Some companies offer an easy. This process grows your investment.
Join an investment club if you are interested in learning about investing. Investment clubs are. Making regular payments to yourself, even in small amounts, can add up over time. The amount your. Interest is an amount of money banks or other financial institutions pay you for keeping money on. Interest is expressed as a percentage and is calculated based on the amount of money. Compounding is how your money can grow when you keep it in a financial institution that pays interest.
When the bank compounds the interest in your account, you earn money on the previously paid interest,. Not all savings accounts are created equal. This is because. Risks that you can predict will occur—though not when they will happen—are known as systematic risks.
These risks are part and parcel of investing in the financial markets. While learning to accept risk as. Allocating your portfolio across a broad spectrum of asset classes is a primary way to reduce systematic. For instance, you might invest a percentage of your portfolio in bonds and bond funds, another. Treasury bills. Some investors also include real estate, precious metals, and other products in. There are also certain market conditions when you may be able to find competitive investment returns.
For instance, when interest rates rise, bonds may offer returns that are on. One of the biggest risks you may fall prey to, however, is trying to avoid risk altogether. If you invest very. Compounding is what happens when your investment earnings or income are reinvested and added to your.
The larger your investment base, or principal,. So the longer you have to invest, the more. For example, compare what happens to the investment accounts of Investor A and Investor B. Both Investor A and Investor B invest the same amount of money and get the same average annual rate of return.
The difference is that. Investor A chooses to withdraw, rather than reinvest, the return. All other things being equal, though, the investor who starts. Even modest sums invested regularly in. In addition, if you have a job you like. Having time ahead of you gives you other advantages.
Few people are able to come up with the money they need. If you have the money automatically deducted from your paycheck or checking. Plus, the longer you have to invest, the greater the potential for your investments to compound, or grow in value. Compounding is what happens when your investment earnings or income are reinvested and start generating. To see how this works, compare the following two individual retirement accounts IRAs :. The difference is that he started much earlier, and his account had 20 additional years to.
When IRAs were first introduced, there was just one basic type, which was open to anyone with earned income. If you qualify to deduct your contributions, you can subtract the amount you. It also depends on whether you or your spouse are eligible to participate in employersponsored. Earnings on investments in a traditional IRA are tax-deferred for as long as they stay in your account.
When you. If you deducted your contribution, tax is due on your entire withdrawal. And you can. However, there are income restrictions associated with contributing to a Roth IRA. In , if your modified. As your modified adjusted gross income increases, you can contribute a decreasing. Both you and your spouse can each establish your own Roth IRAs. The answer to this question will vary from person to person. IRA may be tax deductible, which reduces your taxable income each year you contribute.
But if you. With a traditional IRA, however, you are subject to. Your spouse owns the spousal IRA, chooses the investments and eventually makes the withdrawals. A spousal. In this case, your employer deducts your IRA contributions from your after-tax earnings.
All the rules for this. You might find a deemed IRA helps you to save. But you might also find that your choices of IRA investments are limited with this option, since. You might want to do that for several reasons: to be able to make. There are specific guidelines for h and ling rollovers. Normally, the easiest way is a direct rollover: You ask. Once you fill out the authorization.
You can ask for a check for the. But you must deposit the full. Before January 1, , only taxpayers. But that ceiling has been lifted. The law creating this change also included a special provision that allows taxpayers to spread the extra. In most cases, the. Pulling the tax payment from your rollover could be more costly for younger investors. If you are younger. When you open an IRA, you should name a beneficiary for your account. A beneficiary is the person.
If your IRA custodian permits it, you. For example, you might name. The top half of the plan gives you space to record factors that may affect the steps you take to save, and. The bottom half of the plan gives you space to record. Think about and write down any savings goals you have and the amount you need to save. Blue Chip — a company that is well-known with a history of growth and profits. Bonds — long-term debt securities issued by corporations and governments usually. Maturity — the date that a security is due and the initial investment plus any.
Mutual Fund — an investment that is made up of several securities managed by a professional. Which of the following people have the primary responsibility to give advice about securities. Common stock represents ownership in a corporation. Dividends paid on common stock fluctuate. Preferred stock is an equity investment that typically pays a.
Roth and K refer to retirement accounts. St and ard and. Diversification specifically refers to having several different kinds of securities in an investment. Commission refers to a fee. Interest is money earned on a bank deposit or a bond or paid on a. Dividends represent money paid on stock. Return on investment is the profit,. Investment advisors give advice. They do not necessarily buy and sell securities or create financial. Dividends are paid on shares owned, not sold.
A stock split changes the value of an individual. Par value is the face value of a bond. It is equal to both the issue price and the amount repaid at. Four part investor education program that includes an Introduction to Financial. Free financial information and tools to empower year olds to take charge of. Developed by the Council for Economic Education for middle school and high school. From the U. Securities and Exchange Commission. Also see Introduction to the. For consumers nearing retirement, whether they have made retirement plans or not.
Answers questions on an array of financial topics such as insurance, debt and fraud. Program about financial responsibility developed for middle and high school students. Byers, Ann. First credit cards and credit smarts, New York: Rosen Pub. Holl and er, Barbara. Get out of debt! Underst and ing credit basics: know the score! Chicago, IL: Learning Seed, c Using credit cards wisely: take charge!
Chicago, IL. DVD Marvin makes writing desks and sells them for extra money. He wants to borrow. He obtains a loan from the bank. There are three major credit reporting agencies: Equifax, Experian, and TransUnion. The agencies also collect. The reports from each of the credit agencies look different, but generally contain the same. A report containing information about you in public records e.
The two most relevant types of bankruptcies are: Chapter 13 bankruptcy and Chapter 7 bankruptcy. You can keep all of your property,. Income restrictions. You must give up certain property to the creditor. Yet, you. It is important to underst and that bankruptcy has a very negative impact on your credit. It should be. Depending on the type of bankruptcy, it will remain on your credit report from 7 to Having a bankruptcy on your credit report will make it hard to get credit in the future.
The law. Personal or consumer information e. Personal or consumer statement, if you submit a statement to the credit reporting agencies to be. Account summary, including: creditor information, account status and type, and account history. Public record information e. Keep in mind, credit reporting agencies do not make credit decisions. Credit reporting agencies simply report the. This information can affect whether you get your next loan.
Creditors might deny a loan application if you have no credit history or if you have had credit problems in the. A good credit record indicates you will most likely repay the loan, and lenders will be more willing to give you. It is important to learn how the score is calculated so you can improve your score if necessary to obtain credit. That is why it is important to pay your. If you do not have a history of late payments, your score may be lowered if your credit card balance is close to the.
Creditors may use one or more credit scores. They may generate the scores themselves, or they may use a score. The FICO score is the primary method lenders use to assess how deserving you are of their credit. A FICO score. FICO scores range from about to Federal law prohibits personal information e. VantageScore is a newer credit scoring system offered by all three credit reporting agencies.
You should have a. The VantageScore ranges from to It groups scores. It is very difficult to say what is a good or a bad score since lenders have different st and ards for how much risk. Since credit reporting agencies only calculate your score at the. To ensure accuracy of your information, you should obtain a copy of your credit report from each credit. The inquiries section of your credit report contains a list of everyone who accessed your credit report within the. Inquiries as a result of a request you make for your own credit report will not influence your credit score.
For instance, your credit score. If it does, it probably will not drop much. If you apply for several. Several inquiries on your. Shopping for a mortgage or an auto loan may cause multiple lenders to request your credit report, even though. To compensate for this, the score ignores all mortgage and auto inquiries made. After 30 days, multiple inquiries relating to a mortgage or auto loan application in.
That means that your credit score is not harmed by shopping. To order your free annual report from one or all three of the credit reporting agencies, do one of the following:. In addition to the one free report a year, you may also be able to obtain a free credit report if:.
Credit card companies often access your credit report so that they can send you applications for their credit cards. You can complete and submit the Annual Credit Report Request form to receive a copy of your free. Credit cards are a convenient form of borrowing money to purchase goods and services. Charge cards. Payroll cards are used by an employer to pay wages instead of giving you a paper paycheck. Government disbursement cards are provided by government agencies to pay benefits.
One example. General Purpose cards can be purchased from retailers. Some come with a set value, while others. Gift cards can be purchased in fixed amounts. Hayes Company, Inc. Since , CWI has worked to bring about positive change and hope for many. A cornerstone in communities across the four-county region, CWI has transformed the lives of numerous individuals with disabilities and other barriers.
Through the provision of quality and innovative services, CWI, a not-forprofit community rehabilitation provider, offers a myriad of services to meet the needs of people who are developmentally and learning disabled, medically frail, brain injured, economically disadvantaged and individuals with other challenges. CWI supports these people who strive to be productive and meaningful members of their local community by offering basic services to individuals including: transportation, clinical and dental services and housing.
This then builds a foundation which allows individuals to springboard toward a higher level of independence. Independence may equate to CWI helping individuals find and sustain employment, become involved with volunteer opportunities, partake in recreational opportunities, learn independent living skills, and promote self-advocacy, to name a few.
Among the many services the CWI consumers provide include support services with local municipalities, assistance to local churches, nursing homes and firehouses, and delivery of Meals on Wheels to those in need in Warren and Washington counties. In addition to the now 70 individuals working in our sheltered employment program, over the past five years alone CWI has assisted clients with job placements, provided residential services to nearly 50 individuals, connected individuals with day programming services, transported nearly passengers daily to and from various facilities and medical appointments, and supported young adults transitioning from high school to the adult world.
Today, CWI has grown to become one of the largest employers in the four-county region with over employees. Their mission is to offer innovative supports and services, empowering people with differing abilities and needs to discover their potential and pursue the lives they envision. For more information, visit www. CWI is a not-for-profit c 3 organization. Town Park. Friend us on our Facebook page for updates: Columbia-hs East-Greenbushny. Mark your calendar! All types.
Must be a Saratoga County Resident. Please bring ID and proof of address. Carpentry, repairs, cleanups, yard, trees, gutters, etc. Mature prof. The format is a 4-person scramble with an am shotgun start rain or shine. In addition, Special Olympic golfers will participate in the opening event. To register or for sponsorship opportunities, visit www. Through the provision of quality and innovative support, they offer a myriad of services to meet the needs of people who are frail, developmentally disabled, brain injured, learning disabled, economically disadvantaged and individuals with other challenges.
CWI supports these people who strive to be productive and meaningful members of their local community. Proceeds from the golf tournament will be used to purchase adaptive equipment to aid in the mobility and independence of disabled consumers. Residential, commercial. Visa, MC, Discover Ralph jandrfloorcovering. Cynthia Whitehouse. Directorship of Nursing. Doors open at and lunch is served at 12 noon. Tickets are Required to attend. NO take-outs.
Saratoga area. Lead cert. Call us for mowing! CNC Lawns. Insured, prof. Furnace, Boilers. Change to high eff. Neat and dependable. Dependable, reasonable. There will be traditional Polish festival foods in addition to a gourmet Polish dinner with table service please reserve on line, space is limited.
There will be hard to find imported Polish beer. For a complete schedule and festival hours, please consult the web site at www. The meeting is open to all lot owners and family and other interested parties. Cleanup will be ongoing that day before and after the meeting, so come dressed to lend a hand. Schedule your summer mowing, call If you are an owner of real property improved by a one, two, or three family owner-occupied building used exclusively for residential purposes, please contact me to schedule a free consultation regarding your current assessment.
If you feel unfairly assessed, I would like to help! Brian S. Lyda, Sr. Halfmoon, NY. Proceeds from the sale will supplement club efforts to provide funding for the following club initiatives: a scholarship to send a Ballston Spa middle school student age to Camp Colby in Saranac Lake in the summer for one week; a cash award for a deserving Ballston Spa high school senior that has been involved in horticulture or a related field; and other club projects such as the maintenance of the Pink Garden at the Ballston Spa Public Library and the Upper Trail Garden at the Jim Tedisco Fitness Trail.
The public and local businesses are encouraged to place orders by calling club secretary Judy Esposito at The deadline to place orders is May 9 and orders will be available for pick-up on May The March, which is led by local children who wish to voice their concerns about bullying, will begin at 4pm at the Ballston Area Community Center and end at the Old Iron Spring. The walk is approximately 0. The March is open to adults, children and organizations who wish to speak out against bullying.
Anyone interested in participating in the march should contact the Ballston Area Community Center at Please plan on one chaperone per ten youth marchers. These babies are 14 weeks old and had a rough start to their lives. They are now looking for a home to call their own. There are two of these babies. They are up to date on shots and have been de-wormed.
Meet Daisy. Daisy is a 3yr old Pug mix. She weighs 25Lbs. She lived in a home with 2 kids, cats, other dogs and many adults. The family was breaking up, some moving away and could not take Daisy. When she came into ASAS she was crying for h She is spayed, housebroken and UTD on vaccs. She would make a perfect new family member for a senior with many grandchildren or for a family that would be devoted to her care. She is heartbroken and needs to get out of the shelter as soon as possible.
For more info call the shelter Mouse came to us mixed in with another litter. He was only about 4 weeks old and the pups he was with were much older. We did not think he would make it but after one of our volunteers took him home and nursed him he soon recovered.
Now he is full of spit and vinegar and ready to rock in a new, forever home. A Day Just For Mom By Tresa Erickson Every year as the second Sunday in May approaches, millions of people across the country turn their thoughts to Mom and find ways to let her know how much she means to them. Although it wasn't always celebrated on the second Sunday in May, Mother's Day has been around in some form since ancient times.
The ancient Greeks and Romans held a festival each spring honoring maternal goddesses like Rhea and Cybele. During these celebrations, participants would put on parades, play games and participate in masquerades. Early Christians held their own festival in honor of the Virgin Mary. When the English took up the celebration, they expanded it to include all mothers and renamed it Mothering Sunday. On this day, individuals attended services for the Virgin Mary and then visited their own mothers, bringing them flowers, gifts and treats.
The popularity of Mothering Sunday had faded considerably by the start of the 19th century but remerged in the s due to the efforts of activist and writer Julia Ward Howe. Howe thought there should be a day in honor of mothers in the United States. She introduced her idea in , calling for the celebration to take place on June 2 and all mothers to take a stand against war.
Howe had seen the devastation the loss of life in the Civil War had had on mothers everywhere. Although many embraced her idea of a day for peace, the celebration of Mother's Day as we know it today did not come about until the early 20th century when Anna Jarvis introduced it. As a child, Anna Jarvis had heard her mother pray for a day dedicated solely to mothers, living and deceased, and honoring their contributions.
When her mother died in , Jarvis recalled her mother's wish and started campaigning for a national holiday for mothers everywhere. She wrote letters to many leaders in her community and across the country and spoke about the matter at many functions. By , Jarvis' efforts had paid off, with nearly every state in the country celebrating the day. Today, Mother's Day is celebrated in various nations around the world. Spouses and children all over take time out to honor the mothers in their lives, and for that, Anna Jarvis and her mother would be thankful.
Doors open at pm and bingo starts at 7pm. Refreshments and Bell Jar Tickets are available. Call for more information. This event is planned for July 19 and 20, The committee plans an informal gathering, a golf outing and school tour, dinner and musicjust to name a few events.
This reunion is not-for-profit. For additional information and to register with us, please visit our website: www. Joseph Michael Kolarcik Foundation is a c 3 nonprofit that provides financial assistance to families of stillborn and unexpected infant loss. Please come join us and help make a difference. Contact Cynthia at or visit online at www. JMKF breaking the silence and remembering our Angels. From single light to entire house. Free Est. Small or Large jobs.
Complete demolition of houses, garages, barns, buildings Fire damage cleanup. Inside of buildings and warehouses cleaned out. Land clearing. Prompt, professional service. Rick Carbone Excavating No fault or regular divorce. Covers children, property, etc. Only one signature required! Excludes govt. Contact: www. We can help! Free consultation.
Over 40 children in grades K through 7th participated in the project. He does well with other dogs. For more info contact H. Lex is a stunning, blue-eyed Rottweiler mix. He weighs about 46 pounds, is neutered, and up-todate on vaccinations. Lex loves to play with other dogs and usually ignores cats. Lex is an affectionate, exuberant 2 year old sweetheart whose tail never stops wagging!
For more information on Lex, please e-mail his foster mom at saranac1 nycap. He was a major hit in foster care- charming adults, children, dogs, and cats equally. He is chatty and social- letting you know he wants to be with you. Jack loves food and has a penchant for people cuisine. He loves to eat, socialize, and hang with his people. Very "joie de vivre"! Although Jack is very cuddly, he merely tolerates being carried.
Ready to take a gamble and adopt this sweet 2-year old boy? The payoff will be so big that you will swear that this is the best hand you've ever been dealt! Homer is an absolutely adorable kitty who is looking for his fur-ever home. Won't you make your home his? Visit www. Contact Holly Kane, the art display coordinator at for further information. Relocate to Open or closed adoption. YOU choose the family. Great economy and working conditions. Free Towing. Non-runners OK.
Tax Deductible. FAA approved training. Free available. Job placement assistance. Any Home. Job placement art 2-Component chemical process. Computer available. Call www. Top Dollar Paid. We Come Call J. Wentworth today To You! Call For at Instant Offer: Free estimates with an honest handshake. Call Chuck A guest fly tier will also start at PM. For more details, directions, and info on upcoming events please visit www. Admission to our meetings is free and public is always invited.
Free screening and enrollment services are available by calling toll free Please call our caring, professional staff for more information! We have 27 enrollment sites throughout the following counties: Fulton, Hamilton, Montgomery, Saratoga and Washington Counties. Computer And Financial Aid if qualified. No paid operators, just people like you.
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Few questions. No exam! Place your ad online at fcpny. Volunteers are needed Monday — Friday from approx. The Town of Malta is holding an Armed Forces Day Parade on Saturday, May 18 with a special theme to recognize and thank veterans of the wars in Iraq and Afghanistan for their service and to publicly welcome them home.
It will proceed south on Route 9 through the first roundabout at the intersection with Route The distance is approx. The committee has already lined up school bands, area fire departments and first response agencies that have supported the Patriot Day parades in the past. To sign up or for more information, send an email to paul.
Others 4sale. Ask about same day installation! It is always amazing to watch the plants spring into action after dawdling through most of spring. What a show! I was just outside enjoying one of the subtler pleasures of spring; the sound of a breeze rustling through the leaves of a large maple tree.
My hummingbird feeders are filled and ready. Ah, the little pleasures of spring. This is the time to take action. Let me briefly give you the lowdown. Think of your spring flowering bulbs as rechargeable batteries. To get the best show possible next spring you need to recharge them. The first step is to snip off the flower stem.
Cut the flower stem off down low; as near the base as possible. The reason we do this is to prevent the plant from putting any energy into producing seeds. Get your hands on some gentle, high phosphorus, granular plant food. This is where the roots are that will be able to absorb the nutrients. Snip off the flower stems. Leave the leaves. Feed them with a gentle, high phosphorus, granular food. If you find the gradually yellowing leaves unattractive, try masking them by planting them among other plants that fill in later.
I like to plant daffodils among daylilies or vice versa. The leaves are a similar shape and, as the daffodils are finishing, the daylilies are just coming into their own. Another topic I want to touch on this week is moss in the lawn. If this bothers you, you should be aware that the reason the moss took hold in the lawn is because the soil has gradually become acidic.
There is a tendency for most soils to become acidic. Grass clippings, leaves and twigs decaying in the soil help make it more acidic. Lawn food applications and acidic rain also contribute. As the soil becomes acidic, it is harder for the grass to survive. As the grass which prefers neutral soil thins, the moss which loves acidic soil starts to take over. So how do we stop this vicious cycle?
Keeping the pH of the soil of your lawn at neutral 7. Besides discouraging moss, lime provides calcium and allows your lawn to make maximum use of any nutrients available. If you want to think of your lawn as a gasoline engine then lawn food would be the gasoline that makes the engine run. Lime would be the engine oil that makes sure all goes smoothly. Without oil, no amount of gasoline can make an engine run for too long.
Rest assured, if you care about your lawn, a pH tester is a bargain, and lime is cheap compared to lawn food and grass seed. Thanks for the read. Call for details or visit fcpny. Government insured. Free 28 pg. All Island Mortgage. No fee to employer. Evons Services FREE equipment. FREE shipping. Nationwide service. Speeds up to 12mbps! Reach as many as 4.
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Learn more about I Am I Can at www. Chinese Restaurant Shear Sahairatoga Curves. Mail this order form to Classified Dept. Number of words on 4 lines is 15 to 20 depending on size of words. You will be notified of additional lines if your ad runs over 4 lines.
Corinth Village: Beautifully renovated, 3BR new kitchen and bath, 2nd floor, porch, yard. Freezer, fridge, micro, color TV. Utilities included. No security. West Side Mechanicville Available July 1st. Downtown Albany near Capital. Call for information Mohican Hill Apts. Washer, dryer hookups. Low heat costs. No pets. Malta 3 BR, 1 ba. Garage, full basement All ads are prepaid with no refund for cancellations, however a credit will be given to use for future ads. No dogs. Homeownership offers benefits such as stable monthly payments and the opportunity to establish a sense of community.
It can also be a way to build equity over time. In fact, a recent study found that financial counseling before purchasing a home can reduce the likelihood of going into default. For first time homebuyers, counseling reduces the likelihood by an average of 29 percent.
Luckily, free credit education resources and information are becoming more widely available. Fully equipped. Financial education can help you differentiate your spending needs vs. Credit Generally speaking, the better your credit, the lower your interest rates and fees will be when obtaining a loan. Or, consider attending a class led by a housing counselor certified by the US Department of Housing and Urban Development. A credit education course can prepare you for homeownership by covering the following topics: Budgets A spending plan is necessary for anyone with financial goals.
We have funds avail. Call Fred at On sale May 4th. No closing costs! Gorgeous views, upstate NY Amish farm country. NewYorkLand andLakes. Call or For info: Credit education can teach you how to save and how to invest your money wisely. The real estate and mortgage world has its own language. You can take the free online course at www. Surveyed building lot, leveled. Saratoga sch. Priced to sell! Avoiding Fraud Unfortunately, there are unscrupulous companies and individuals out there who may not have your best interests in mind.
Reliable financial education can help you recognize the warning signs of fraud. Familiarizing yourself with the resources at www. Is homeownership right for you? By becoming a savvier consumer, you can make smart financial decisions. Available May 4th! No closing costs. Much site work done on all lots. Horses permitted. Call Karen Today at and secure your place in our next class!
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