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Tips to help teens master their money
( (BPT) - For most teens, high school is an exciting time, one that offers the opportunity to set their own path and make some of their own decisions. However, with this added independence comes additional responsibility, especially regarding money.
Today teens are spending $260 billion a year in the U.S., yet only 17 states require completion of at least one financial literary course for high school graduation.
"So many teens don't realize how important saving is," says Angel Carter, an Atlanta teen who was selected by Boys & Girls Clubs of America to serve as national ambassador for its financial education program called Money Matters: Make it Count, created in collaboration with Charles Schwab Foundation. "They don't understand the importance of saving for their future needs and tracking or prioritizing their purchases."
Taking part in this program had a profound impact on Carter, along with more than 725,000 other Club teens who have completed Money Matters. And because April is Financial Literacy Month, now is the perfect time for Carter to offer a few tips she learned to help others manage their money.
* There's no such thing as "too young" or "too much." Because of the way compound interest works, the earlier you begin to save, the less of a burden it is. For example, regularly saving 10 percent of your income is a good savings goal if you're in your 20s or younger; however, if you wait until your 30s to start saving, that number increases to 20 percent in order to reach the same long-term goal. And if you wait till your 40s, it goes up to 30 percent. So it's better to start putting money away as early as possible. Talk to your parents or another adult you trust about setting up a savings account, and how much you should regularly set aside.
* Recognize needs vs. wants. Being smart about money doesn't mean you can't enjoy life, or do fun things with your hard-earned cash; but it does mean you need to plan for them. An easy rule of thumb is to figure out how much you need to set aside in order to meet your expenses, including savings, every month. Anything left over is for having fun. It might seem contradictory, but knowing ahead of time how much spending money you have available helps you know when you can comfortably say "yes," and when you're better off passing on an event or an impulse purchase.
* Know where your money goes. It may not be particularly fun, but tracking where and how you spend money is just one of those healthy habits that's good for you, like eating spinach and exercising. You can record this information with a notebook or an app, but just remember to log your purchases, including all those "small" ones. Being aware of every dollar you spend will help you understand yourself and your spending habits - and can help you find ways to reduce your spending and save even more.
* Credit is like social media. You know how parents and teachers are always telling you to watch what you post on social media channels, because someday you're going to have to apply for a job? Good credit is to your future purchasing what a clean social media history is to job applications: it takes time and commitment to build, and only moments to lose. A good credit score and a history of responsible spending give you options, which is priceless when you want to buy or lease a car, or apply for an apartment or even buy a house later on. How do you build good credit? Manage your checking account carefully, always pay your bills on time, and if you do choose to get a credit card, never charge more than you can afford to pay off in full every month.
* Keep it real. In today's economy, managing money responsibly is a tall order, but it is possible, especially if you take control! Think about the kind of lifestyle you want to live, and figure out how much it takes to support yourself in those circumstances. Once you've done that, it's simply a matter of solving for "x." One good way to be astute about finances is to look for a financial education program geared for teens, one that covers budgeting, goal setting, and planning for the future. Some programs, like Money Matters, even offer virtual reality games to practice for the real world without real-life risk.
These tips are just a few Carter learned through the Money Matters program at her local Boys & Girls Club. A new component of the program, the digital game $ky, is now available to all teens. The game challenges teens to navigate financial decisions in a fresh, fun way that will keep them thinking prudently about their finances not only in April but in the months and years ahead.
Annual Lights of Hope......
The Addict’s Mom invites you to their annual Lights of Hope which is one many nationally run events to raise awareness to drug addition during September which is National Recovery Month. This year's event will be held from 5:00pm - 7:30pm, Saturday September 9 at the William Pensyl Social Hall in Portland, PA
If addiction has affected you - this is an event that you don’t want to miss. Addiction is a “monster” that affects the entire family and the Addict’s Mom is here to help. If you have any questions, ideas, or experiences that you would like to share, please contact firstname.lastname@example.org
If you would like to share publicly you can use the COMMENTS forum provided below. (Note: In the box titled "NAME" do not use your real name. Use a nickname or a handle.)
Weekly Summer Pool Party.
Weekly Summer Pool Party. Wednesday, July 5, 2017 1:00 PM - 4:00 PM. Fernwood Resort- Tree Tops Pool 5785 Milford Road, East Stroudsburg. Come out to Tree Tops pools to attend our weekly pool party from 1 pm - 4pm! Free to all guests. Enjoy music played by a special guest DJ and a show by Nigel the Ventriloquist starting at 2 pm. Food and drink specials at Oasis Bar & Snack Shack. Email: email@example.com, Phone: 570-588-3300 ext. 4110.
Drawing Workshop at Pocono Arts. Thursday, May 25, 2017 12:00 AM - 8:30 PM to Tuesday, September 26, 2017 12:00 AM - 8:30 PM. Pocono Arts Council 18 N. 7th Street, Stroudsburg. Never taken a drawing class before? Feel rusty or simply lack confidence? This course can help! Beginning with a simple contour, use line to discover a variety of shapes and forms from a still life to the human figure. The foundational and formal ascpects of sketching and drawing will be demonstrated. Explore the steps in drawing from an idea to a sketch to a completed drawing. Instructor is John McAllister and this workshop is on Tuesdays, 6:30-8:30pm. To register or for more info call 570-476-4460 or e-mail firstname.lastname@example.org
Basic Acrylic Painting
Basic Acrylic Painting. Wednesday, July 5, 2017 1:00 PM - 4:00 PM to Thursday, July 27, 2017 1:00 PM - 4:00 PM. Pocono Arts Council 18 N. 7th Street, Stroudsburg. Join in to explore this very versatile medium. This workshop is for beginners as well as those with more experience with acrylics. The techniques of this medium, incorporating composition, building a painting, color values and much more will be explored. Bring photos personally taken to be utilized as subject matter! The instructor for this workshop is Iraina Caramelli. For more information or to register call 570-476-4460 or e-mail email@example.com
The Exception. Rated R | Run Time 1 hr 57 min. Wednesday, June 21, 2017 4:15 PM - 4:15 PM to Friday, July 7, 2017 4:15 PM - 4:15 PM. Pocono Cinema & Cultural Center 88 South Courtland Street, East Stroudsburg. A German soldier tries to determine if the Dutch resistance has planted a spy to infiltrate the home of Kaiser Wilhelm in Holland during the onset of World War II, but falls for a young Jewish Dutch woman during his investigation. Friday, June 30th- Thursday, July 6th. Friday- Monday | 4:00, Tuesday | 7:00, Wednesday | 4:00.
Jaws (1975). Rated PG | Run Time 2 hr 4 min. Wednesday, June 28, 2017 4:00 PM - 4:00 PM to Friday, July 7, 2017 4:00 PM - 4:00 PM. Pocono Cinema & Cultural Center 88 South Courtland Street, East Stroudsburg. A giant great white shark arrives on the shores of a New England beach resort and wreaks havoc with bloody attacks on swimmers, until a local sheriff teams up with a marine biologist and an old seafarer to hunt the monster down. Friday, June 30th- Thursday, July 6th. Friday & Sunday | 1:00, 7:00, Saturday | 1:00, 7:00, 9:50, Monday | 7:00, Tuesday | 4:00, Wednesday | 1:00, 7:00, Thursday | 1:00, 4:00.
Beatriz at Dinner
Beatriz at Dinner. Rated R | Run Time 1 hr 33 min. Wednesday, June 28, 2017 4:00 PM - 4:00 PM to Friday, July 14, 2017 4:00 PM - 4:00 PM. Pocono Cinema & Cultural Center 88 South Courtland Street, East Stroudsburg. Beatriz (Salma Hayek), an immigrant from a poor town in Mexico, has drawn on her innate kindness to build a career as a spiritual health practitioner in Los Angeles. Doug Strutt (John Lithgow) is a cutthroat, self-satisfied billionaire real estate developer. When these two opposites meet at a dinner party, their worlds collide and neither will ever be the same. Friday, June 30th- Thursday, July 6th. Friday & Sunday | 1:30, 4:30, 7:30, Saturday | 1:30, 4:30, 7:30, 9:30, Monday & Tuesday | 4:30, 7:30, Wednesday & Thursday | 1:30, 4:30, 7:30.
The Beguiled. Rated R | Run Time 1 hr 44 min. Wednesday, June 28, 2017 4:00 PM - 4:00 PM to Friday, July 14, 2017 4:00 PM - 4:00 PM. Pocono Cinema & Cultural Center 88 South Courtland Street, East Stroudsburg. "The Beguiled" is an atmospheric thriller from acclaimed writer/director Sofia Coppola. The story unfolds during the Civil War, at a Southern girls' boarding school. Its sheltered young women take in an injured enemy soldier. As they provide refuge and tend to his wounds, the house is taken over with sexual tension and dangerous rivalries, and taboos are broken in an unexpected turn of events. Friday, June 30th- Thursday, July 6th. Friday & Sunday | 1:15, 4:15, 7:15, Saturday | 1:15, 4:15, 7:15, 9:40, Monday & Tuesday | 4:15, 7:15, Wednesday & Thursday | 1:15, 4:15, 7:15.
Western Pocono Community Library
July 5, 2017 events. Located at 131 Pilgrim Way, PO Box 318, Brodheadsville. 7:30 am - Miller Keystone Blood Drive, 9:00 am - Browse the Book Nook, 10:00 am - Toddler Rhythm, 1:00 pm - SRP- Special Event YA Group, 3:00 pm - T.O.P.S. Phone: (570) 992-7934.
Weather Related Health Forecast
75th Anniversary Celebration
75th Anniversary Celebration- United Way of Monroe County. Wednesday, July 5, 2017 6:30 PM - 10:00 PM. Kalahari Resorts and Conventions 250 Kalahari Blvd Pocono Manor, PA. United Way of Monroe County is celebrating 75 years of building partnerships to improve lives of those in need in Monroe County. Join in at Kalahari Resorts and Conventions for an evening of celebration and a look back at the past, the present, and the future. Email: firstname.lastname@example.org, Phone: 1-570-629-5657.
Pocono Mountains Wine Tour
Wednesday, July 5, 2017 10:45 AM - 4:00 PM. Experience a pleasant and refreshing day in the beautiful Pocono Mountains, enjoying some of Pennsylvania's best known wines on the grounds where they are made. Pocono Daytripper has partnered with four of the Pocono's favorite vineyards to take local resort guests for a leisurely day, tasting great wines at The Villas, 5785 Milford Road East Stroudsburg.
Please arrive at 10:45 am, bus leaves promptly at 11:00 am from the check-in center.
The cost is $45.00 per person (1-3 people); $40.00 per person (4-6 people); $35.00 per person (7-10 people); and $30.00 per person (11-14 people). Packages include transportation to and from the vineyards and an afternoon of tours and tasting.
Children under 16 are not allowed on this trip. Sign up in advance by calling 570-977-7731 by 5:00 pm the previous day.
Entertainment This Week
Carnival- Provided by S & S Amusements. Wednesday, July 5, 2017 6:00 PM - 10:00 PM. Fernwood Resort Great Lawn 6148 Milford Road, East Stroudsburg. S & S Carnival returns to the Fernwood Resort Great Lawn from June 28 to July 9. Fun, food, rides & games for all ages. Weekday hours run from 6:00 pm to 10:00 pm, and weekend hours will be 3:00 pm to 10:00 pm. The price is $15.00 on weekdays and $20.00 on weekends. Resort guests will receive a $2 discount. Email: email@example.com, Phone: 888-FERNWOOD.
Brain Freeze Trivia & Drinks
Brain Freeze Trivia & Drinks. Wednesday, July 5, 2017 5:00 PM - 9:00 PM. Fernwood Resort in Wintergreens Patio Grill 124 Golf Drive, East Stroudsburg. Come test brain power and try to win some prizes at Brain Freeze Trivia at Wintergreens Patio Grill. Hosted by local radio personality Gary in the Morning. Registration starts at 5:30 pm; ages 21+ and teams of 6 or less. Enjoy frozen drink specials while playing against friends and family! Drink specials available from 5 pm - 8 pm. Email: firstname.lastname@example.org, Phone: 800-259-8665.
THIS DAY IN HISTORY - July 5
Bikin introduced - 1946
On July 5, 1946, French designer Louis Reard unveils a daring two-piece swimsuit at the Piscine Molitor, a popular swimming pool in Paris. Parisian showgirl Micheline Bernardini modeled the new fashion, which Reard dubbed “bikini,” inspired by a news-making U.S. atomic test that took place off the Bikini Atoll in the Pacific Ocean earlier that week.
European women first began wearing two-piece bathing suits that consisted of a halter top and shorts in the 1930s, but only a sliver of the midriff was revealed and the navel was vigilantly covered. In the United States, the modest two-piece made its appearance during World War II, when wartime rationing of fabric saw the removal of the skirt panel and other superfluous material. Meanwhile, in Europe, fortified coastlines and Allied invasions curtailed beach life during the war, and swimsuit development, like everything else non-military, came to a standstill.
Before long, bold young women in bikinis were causing a sensation along the Mediterranean coast. Spain and Italy passed measures prohibiting bikinis on public beaches but later capitulated to the changing times when the swimsuit grew into a mainstay of European beaches in the 1950s. Reard’s business soared, and in advertisements he kept the bikini mystique alive by declaring that a two-piece suit wasn’t a genuine bikini “unless it could be pulled through a wedding ring.”
In prudish America, the bikini was successfully resisted until the early 1960s, when a new emphasis on youthful liberation brought the swimsuit en masse to U.S. beaches. It was immortalized by the pop singer Brian Hyland, who sang “Itsy Bitsy Teenie Weenie Yellow Polka-Dot Bikini” in 1960, by the teenage “beach blanket” movies of Annette Funicello and Frankie Avalon, and by the California surfing culture celebrated by rock groups like the Beach Boys. Since then, the popularity of the bikini has only continued to grow.
Recently In Monroe Daily......
Can You Believe It...
Stylist's hair inspired by Unicorn Frappuccino
(UPI) -- Starbucks' wildly popular Unicorn Frappuccino may have come and gone, but it lives on atop the head of one Canadian stylist's satisfied customer. Kelly Woodford, owner of the Sapphire Hair Lounge in Winnipeg, Canada, shared a short video on Instagram comparing the colors of a Unicorn Frappuccino to the colors she used to dye a customer's hair.
Woodford's finished product was shown off in a photo depicting the multi-colored drink next to the customer's hairstyle, which sports Starbucks' iconic green straw as a centerpiece.
A third post detailed the entire process starting with coloring and ending with the finished style.
"UNICORN FRAPPUCCINO?! UNICORN HAIR!!!" Woodford wrote.
Western Pocono Library Summer Programs
Programs being held for Baby through age 7 years old and Young Adult ages 8 through 18 years old Tuesday at 10:30 am, Wednesday at 1:00 pm and Thursday at 6:30 pm. Special guests with special programming to be announced. Registration began May 30th.
* Library will be closed in observance of the July 4th holiday
Tannersville Cranberry Bog Gallery Show
Laurinda Faye Rubin is organizing an exhibition for the Kettle Creek Gallery focusing on the Tannersville Cranberry Bog in all seasons. Interested artists of all mediums are invited to participate. Laurinda is willing and able to take artists on trips to the Bog in order to inspire them to create their artwork. Artists will have from now until Aug/Sep 2017 to create artwork depicting this unique natural land nestled in Monroe County. Specific information regarding submission and show details will be provided at a later date. This notice is to give the artists the opportunity and time to create their artwork. If interested, please contact Laurinda Faye Rubin at 570-236-4752 or email@example.com.
Eastburg Community Alliance Wants Performers
Eastburg Community Alliance is looking for entertainers to display their talents at the depot during the months of June, July, August and September. They specifically are looking for local artists to volunteer to perform during Music on Mondays at Dansbury Depot. If you or anyone you know, is interested, please email Sonya Cole at firstname.lastname@example.org. They do not pay their performers but do take a collection at each concert for the performer.
Western Pocono Community Library Lunch Program
Lunch is free and available to all school aged children up to age 18, who are registered in the Summer Reading Program.
• Every Tuesday at 11:30am ending Aug 8th
• Every Wednesday at 12:30pm ending Aug 9th
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SLATE BELT TOWN TOPICS
Fraternal Order of Eagles - First Sunday of Every Month, Franternal Order of Eagles Aeries 1106. Doors: 5pm Kitchen: 6pm Games: 7pm
East Stroudsburg Elks - Every Wednesday. Doors:5pm Early Birds: 645pm. Bingo:7pm
Polk Township Fire Co. - Every Thursday. Doors: 5pm Games: 6:45pm
Power House of Prayer - East Stroudsburg Wednesday and Sunday. Doors: 5pm. Bingo:7pm
VFW Post 2540 East Stroudsburg - Friday Night. Doors, Kitchen: 5pm. Early Bird: 6:45pm
Local Galleries & Museums
Antoine Dutot Museum & Gallery
Holiday Craft Show, Handmade Gifts by Local Artisans, Dec 2-4, 9-11. Fridays, 5-8PM. Saturdays & Sundays, 11AM-5PM. 570-476-4240 or www.dutotmuseum.com.
Holiday Store, (thru Jan 2). 18 North 7th St., Stroudsburg. Gallery hours: Tues-Sat, Noon-4. 570-476-4460 or www.poconoarts.org
Auradell Gallery at Stroudsmoor
Stroudsmoor Country Inn, Stroudsmoor Rd., Stroudsburg. 570-421-6431 or www.stroudsmoor.com
Findings Jewelry & Art Gallery
Gold, Silver, & Gemstone Creations of Jeweler & Owner Daniel Varipapa. Gallery Hours: Mon-Fri, 10:30AM-5PM; Sat, 11:30AM-3:30PM, 39 N. Seventh St., Courthouse Square, Stroudsburg. 570-426-1888
Gallery at Liztech
Made in PA. Gallery Hours: Tues–Sat 10AM-6PM, 95 Crystal St. EastStroudsburg. 570-424-3177 or www.Liztech.com
Grey Towers National Historic Site
Holiday Art and Photo Exhibit and Sale featuring scenes of Grey Towers: plein air paintings by artists of Come Paint with Me and a juried exhibition of photographs by members of Pike Imaging Council. 122 Old Owego Turnpike, Miford, Daily 11AM-4PM. 3-floor Mansion Tour available weekends at 4PM. 570-296-9630 or www.greytowers.org
Kettle Creek Art Gallery
Photo Contest Winners. Gallery Hours: Mon-Fri 8AM-4:30PM, Sat 9AM-1PM, 8050 Running Valley Road, Bartonsville. 570-629-3061 or www.mcconservation.org
Madelon Powers Gallery
Gallery Hours: Weds & Thurs: 11AM-7PM. Mon., Tues. & Fri.: 11AM-4PM. Fine & Performing Arts Center, East Stroudsburg University. 570-422-3483 or email@example.com
Miller’s Fine Arts Gallery
Features Contemporary Stone Sculptures from East Africa and other African Artifacts. Gallery Hours: Saturdays 12-6PM and Sundays by appointment only. 402 Brushy Mountain Rd, EastStroudsburg. 612-573-6594 or 914-588-6843 or www.cmillersfineart.photoreflect.com
Monroe County Historical Association
Gallery Hours: Tues-Fri, 10AM-4PM, First & Third Saturdays, 10AM-4PM. One-hour Guided Tours: 11AM & 2PM daily. 900 Main St., Stroudsburg. 570-421-7703 or www.monroehistorical.org
Hours: 11AM-5PM, M-W; 11AM-7PM, Thurs; 11AM-5PM, Fri; 10AM-5PM, Sat; Noon-4PM, Sun, Route 115, Effort. 570-872-9683 or www.MudWorksPotteryPA.com 10% Discount for PoconoArts Members
Northampton Community College Monroe Campus - Keystone Hall, Dunning Art Gallery, "Flying Free - Birds & the Human Spirit" (thru Jan 13). Gallery Hours: Monday-Thursday, 8AM-9PM, 201 Keystone Hall, Monroe Campus, Tannersville. 610-861-5062 or firstname.lastname@example.org
Origins Gallery on Main
Gallery Hours: Monday - Saturday, 1-5:30PM. 580 Main St., Stroudsburg, 570-507-7571 or www.originsgallery.org
Créches from Around the World, Pearsall Room, 100 Shawnee Inn Drive, Shawnee-on-Delaware. Available 9AM-5PM, (thru Jan 2). 1-800-SHAWNEE or www.shawneeinn.com
Wing & A Prayer Chapel
120 Rimrock Drive, Snydersville, Sunday, 1-4PM. 607-644-0596 or email@example.com
Monroe County Road Work