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Friday, June 1, 2018
This is something I always get excited about. Children are a relatively blank canvas and most haven’t had any real experience with money yet. We also know that kids learn most of their habits from the adults in their lives. This could be a good thing or a huge problem.
Unfortunately, here are some statistics of adults today:
• Americans owe $1.1 Trillion in student loans debt and $845 Billion in Credit Card debt.*
• 1 in 4 Baby Boomers has nothing saved for retirement.*
• 52% of Generation X expect a decrease in their standard of living when they retire.**
• 39% of Millennials worry that they will not have enough money to retire when they are ready.**
Fortunately, this gives us an opportunity to create those financial habits in our kids that we wished came easier to us. Giving children a basic foundation to understand how to properly budget and save for the future is extremely powerful.
One of the best and most impactful lessons is the importance and the value of delayed
gratification. You can teach this with simple and easy to understand concepts. Here are two ideas to get started:
1. Offer your child one M&M right now, two M&M’s if they wait for five minutes, or five M&M’s if they wait ten minutes. This is a simple way to teach your child about savings and compound interest that can be earned the longer they wait.
2. Do they have that one game or toy that they really want? Help them set a goal to earn enough money to buy that toy or game. Then create a way for them to earn that money through a chore chart or activity chart or let them be creative with ways to work to earn money towards their goal.
Guiding this learning at at young age can help them to build a solid foundation for good money management habits when they grow up. Here are some simple concepts that can kickstart your child’s early learning.
1. Do you need it or want it? What is the difference?
2. Wait! Some things are worth it. Or they may realize they don’t want or need it as badly as they thought.
3. Share what you have earned.
Taking these simple actions is a great way to set a positive example for your children about how to properly save for the future.
*ACL Retirement Survey, 2016
**”The Five Most Important Money Lessons to teach Your Kids” by Laura Shin, Forbes.com
Natalie Litchfield and her firm IFC are State Registered Investment Advisors. Past performance is no guarantee of future results. This is not a solicitation for the sale of securities.
Leslye recently left us after a long battle with ovarian cancer. She would not let her illness define her and was determined to be mindful of every moment and remain happy. She was a warrior all the way, traveling regularly to Stanford for clinical trials, helping establish a nonprofit community Cancer Support Group, and enjoying the outdoors almost to her final day.
Leslye loved the little things, like hearing a song bird or seeing Sandhill Cranes flying in a perfect “V” formation. Above all, she adored experiencing nature and being outside. She was a passionate adventurer, hiking trails throughout the region, riding her Tennessee Walker Johnny Cash, kayaking lakes and rivers, and tracking the Turkey Vulture migration in Auburn. Her keen powers of observation translated into beautiful acrylic paintings of landscapes and portraits of dogs, which were exquisite depictions of the personality and character of these animals.
Her long teaching career gave her great satisfaction by making a difference for so many kids, those with special needs and learning disabilities as well as her sweet kindergartners. She was especially close to the English learners and loved their families and the culture they shared.
Leslye is survived by her husband Stewart Feldman, partner for over 45 years, their children Amber Vodden and Evan Feldman, and her brother Ryan Vodden. To reflect on Leslye's rich life, full of unique experiences, deep friendships and so much love, we plan a “Celebration of her Impact on Our Community” for July 28 in Auburn. For details, visit www.lvodden.com
Please stop by to view the car show from 8 to 2 p.m. on June 3, 2018 at Meadow Vista Park. Spectators are FREE, All vehicles/bikes are welcome to participate. Registration for a vehicle is $20. Breakfast and Lunch will be available.
We were pleased to see all those youngsters for the annual Easter Egg Hunt. There were 4,000 eggs out in the field for tots to 10 year olds to find. Thank you to the Cub/Boy and Girl Scouts along with the LEOs for their assistance with stuffing and hiding all those eggs. The wonderful Easter Bunny even made a guest appearance. Thank you Easter Bunny!
It was great seeing you on Mother's Day for our Annual Mother's Day Breakfast! We sure do appreciate our local moms!
Please visit our website at www.meadowvistalions.com or visit a meeting the 2nd or 4th Wednesday of the month at the Community Center. Starting time is 7 p.m. Our email address is email@example.com
The Meadow Vista Friendly Neighbors Club (the Friendly Neighbors) (a non-profit organization) installed our 2018 officers at the beginning of the year. Our officers are: President, Dana Johnson; Vice President, Margo Lambert; Recording Secretary, Rhoda Martin; Corresponding Secretary, Carrie Pitta; and Treasurer, Sharon Bradford. We are grateful to these ladies for their service and wish them well as they guide our club this year.
The Friendly Neighbors held our annual Easter See's Candy Sale in March. This is an important fundraiser for our club and we are very grateful to our wonderful community for the support we received – thanks to each and every one of you who stopped by and bought some delicious Easter candy. Thanks, too to Holiday Market and its manager, Joel, for allowing us to use this space and for being so supportive of our efforts throughout the year!
On June 3rd, the Friendly Neighbors will be participating in Pioneer Day. This is a wonderful community event and a great way for us to let our community know how much we appreciate it. We'll march in the parade and hold a free raffle for gas at our booth in the park. So, stop by our booth to say “Hello” and enter this fun, free raffle.
We are excited to be able to offer five free swim days at the Community Pool this Summer. The exact dates will be announced shortly. These free swim days are open to everyone so please come and enjoy the pool during one of the swim days – it's our treat!
The Friendly Neighbors meet at the Faith Lutheran Church on Combie Road in Meadow Vista on the fourth Wednesday of each month (with a few exceptions). We meet in April on the 25th and in May on the 23rd. In June and August, we will meet for a brown bag lunch at the Community Park (there will be no meeting in July). Social time begins at 11:30 AM; a complementary lunch is served at Noon (except during brown bag lunch meetings); our meeting follows lunch. Community members interested in our work are invited and encouraged to attend and join us in our efforts to serve our wonderful community.
The Meadow Vista Friendly Neighbors Club, www.meadowvistafriendly neighbors.com
Do you turn 65 this summer? While planning your summer celebrations and vacations, you'll also want to plan your Medicare Enrollment.
You've been receiving endless postcards and fliers for months now...but what do they all mean? The whole subject may be overwhelming but with help you can ease into the transition and make an educated choice that is right for you.
If you're still working, you may not need to make any changes. You should speak with your company's HR department regarding your current insurance and how they work with Medicare. If you are receiving coverage through a union or retirement plan, check with that plan's representative for your options.
If you're retired and/or don't have employer sponsored coverage you'll need to make sure you are enrolled in Original Medicare Parts A and B. If you are already accepting your Social Security benefits, you will be automatically enrolled. You'll receive your red, white and blue Medicare card in the mail. Not accepting your benefits yet? No problem. You'll simply call up Social Security and request to be enrolled. They'll verify your eligibility and send out your card.
But is Original Medicare enough coverage for you? This is where things can get a little confusing. Original Medicare alone will only cover 80% of your medical costs and does not include coverage for Prescription Drugs. This leaves you responsible for significant costs.
To protect yourself against these additional expenses you may enroll in a Medicare Supplement Plan and a Part D Prescription Drug Plan. Or maybe a Medicare Advantage Plan will suit your needs better.
When considering which type of plan to enroll in you'll want to review the monthly premium for each option as well as the monthly and yearly out of pocket costs you may accrue. It is important to make sure your Doctors accept the plan you intend to enroll in, that your drug plan covers all your medications and that your pharmacy will fill those prescriptions at the optimum rate.
Reach out to friends and family that have already made the transition to see what they have done and what they recommend. You may also find it valuable to work with a licensed Medicare Broker that can present all of your options and review costs and doctor and pharmacy availability.
With reliable information, your Medicare Enrollment can be smooth and worry free leaving you time to enjoy your birthday celebrations and a wonderful Meadow Vista summer!