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Kids Korner & Totally Teens
We know the value and importance of learning how to save now, while planning for the future. Our Kids Korner & Totally Teens will help you learn about saving money.
Classic Arcade
Q. What is smarter than a talking parrot?
A. A Spelling Bee!!!!
 29 Instead Of 28
Did you know that year 2008 is a leap year? And, have you ever wondered why we have leap years? Did you know that about 200,000 people in the United States and 4.1 million people in the world are leap day babies?
Leap years are needed so that the calendar is in alignment with the Earth's motion around the sun. A leap year is a year with one extra day inserted into February; the leap year is 366 days with 29 days in February instead of the normal 28 days. The following rules decide which years are leap years in the Gregorian calendar, which is the calendar used by most modern countries:
1. Every year divisible by 4 is a leap year.
2. But every year divisible by 100 is NOT a leap year.
3. UNLESS the year is also divisible by 400, THEN it is still a leap year.
What this means is that year 1800, 1900, 2100, 2200, 2300, and 2500 are NOT leap years, while the years 2000 and 2400 are leap years. Confused - in simple words, leap years occur every four years, except for years ending in 00 that are not divisible by 400.
Save Now To Play Later
Did you find some cash under the tree with your name on it? Or tucked in your holiday stocking? If so, it might be a good idea to save some of it. That way, you can use it later. If you put it into your share savings account at the credit union, your money can make money, too. That's because it will earn interest. It's a way the gift of money keeps on giving! Add to your savings with money you get for your birthday or from an allowance or from doing extra chores. Then, you will be able to buy things with your own money - things like a new bike or a new video game. When you save your money, you have more choices about spending it.
All the flowers of tomorrow are in the seeds of today!
The 411 On College Financial Aid
There's no question that the cost of college is going up. But there is good news, according to the College Board. There is more financial aid available than ever before - more than $134 billion. The trick is sorting out how you can get your share of the financial aid pie.
Fortunately, there's a wealth of information available on the Web. The College Board's site, www.collegeboard.com as well as www.finaid.org and www.aesSuccess.org all offer advice, tips and useful links on test preparation, grants, scholarships and loans, repayment information, and much more. Another site worth a visit is www.fastweb.com. Here you can search for scholarships as well as colleges, jobs, and internships. Just be careful of any sites requiring you to pay a fee for information.
Filling out your FAFSA (the Free Application for Federal Student Aid) will be the first step in applying for student financial aid from the federal government, including the Pell Grant, Perkins Loan, Stafford Loan, and work-study programs. You can find the FAFSA online at www.fafsa.ed.gov or an application will be available at your school. The FAFSA is also required by all state and many school student assistance programs.
Five Tips For Using Your Check Card
Having a check card (also called a debit card) gives you access to your credit union checking account, without having to carry around your checkbook. Here are tips to help you use it:
1. Know that it's fast. With electronic processing, there's no delay between the time you use your card and when money is deducted from your account. That means the money has to be there when you make the purchase or ATM withdrawal.
2. Remember, deposits may be slower. When you make a deposit in your account, there may be a delay before that money becomes available.
3. Keep it safe. When you use a check/debit card, you must also enter a PIN (personal identification number). Memorize your PIN; never write it on the card.
4. Keep track. Write down any purchases or ATM withdrawals in your check register along with checks you write and deposits you've made.
5. Report a lost or stolen card immediately. Contact the credit union if something happens to your card. |
