The Financial Capability of Young Adults – A Generational View
June 9th, 2014
Prepared by the FINRA Investor Education Foundation, this study explores the financial capability of millennials relative to other generations and examines differences in financial capability among various demographic groups within the millennial generation.
The study finds that in the wake of the Great Recession millennials are struggling financially — but it is millennial households with dependents that are struggling the most. It is based on data from the 2012 National Financial Capability Study. (Released 2014)
Click here to download this study.
8 Ways Curtis Can Save You Money
April 29th, 2014
1. “Subscribe” to Curtis. You can cancel your subscriptions. Come to Curtis to read the current issues of your favorite magazines. Don’t forget you can check-out many back issues and take them home. You can also access online periodical (magazine) databases through MARVEL!. (Need help? Ask a Curtis Librarian).
2. Joining a Curtis book group is a cost-free way of meeting people and broadening your mind.
3. Peruse the Curtis Kids Calendar for free programs to keep babies and toddlers amused and stimulated through activities such as singing songs, finger fun and storytelling. There are free, stimulating, mega-fun programs for teens as well.
4. Watch DVDs and listen to Music CDs at no cost.
5. Digital downloads are free with your Curtis library card – Download e-books, audiobooks and movies.
6. Use the library’s wi-fi instead of paying for expensive home Internet service.
7. Googling from home can be overly time consuming and counterproductive. Curtis’ professional reference librarians are the best search engine. They are super-sleuths at helping you find information on just about any topic you can imagine.
8. Attend one of Curtis’ community events such as our recent How-To Festival.
Libraries are our friends.
― Neil Gaiman
Energy Savers Guide: Tips on Saving Money and Energy at Home
April 22nd, 2014
Easy low-cost and no-cost ways to save energy.
- Install a programmable thermostat to lower utility bills and manage your heating and cooling systems efficiently.
- Air dry dishes instead of using your dishwasher’s drying cycle.
- Turn things off when you are not in the room such as lights, TVs, entertainment systems, and your computer and monitor.
- Plug home electronics, such as TVs and DVD players, into power strips; turn the power strips off when the equipment is not in use — TVs and DVDs in standby mode still use several watts of power.
- Lower the thermostat on your water heater to 120°F.
- Take short showers instead of baths and use low-flow showerheads for additional energy savings.
- Wash only full loads of dishes and clothes.
- Air dry clothes.
- Check to see that windows and doors are closed when heating or cooling your home.
- Drive sensibly; aggressive driving such as speeding, and rapid acceleration and braking, wastes fuel.
- Look for the ENERGY STAR™ label on light bulbs, home appliances, electronics, and other products. ENERGY STAR products meet strict efficiency guidelines set by the U.S. Environmental Protection Agency and the U.S. Department of Energy.
A simple fact that is hard to learn is that the time to save money is when you have some.
– Joe Moore
Tips for Change E-Book
March 17th, 2014
April is Financial Literacy Month and it’s rapidly approaching!
Download the e-book to read tips submitted by financially savvy consumers.
I’m living so far beyond my income that we may almost be said to be living apart.”
― E.E. Cummings
Your 30 Step Path to Financial Wellness
March 13th, 2014
Free Personal Finance Resources from Money Management International.
The first and most important step in developing and following a financial plan is to examine your attitudes about money. Are you ready to accept responsibility for changing your financial situation? Do you believe that you can and will change the way you make financial decisions? Can you identify at least one benefit you hope to gain by changing your money management behavior?
Download the free Financial Literacy Month e-book
A wise person should have money in their head, but not in their heart.
– Jonathan Swift