Savings Makes Cents

first_imgUniversity of Georgia Extension agent Rachel Hubbard is instilling lifelong, positive financial habits in Lanier County students.“By the time we’re adults, many of our money habits are already in place,” said Rachel Hubbard, Family and Consumer Sciences agent for Lanier County. “It’s much harder to change those habits as adults. When we start [teaching] them as children, they start developing good habits with money and are less likely to be in debt and have financial problems.”Hubbard worked with two Extension agents and a financial management specialist at UGA to formulate a strategy to teach youth about financial literacy skills. The team came up with “Savings Makes Cents,” a lesson developed to be part of the UGA Extension curriculum titled “Your Money, Your Future.”Hubbard collaborated with the local Family Connections director and Farmers and Merchants Bank to provide savings education to young students in Lanier County.The money-saving initiative began a couple of years ago after the team noticed that the rate of savings was declining. Hubbard realized there didn’t appear to be any programs aimed at teaching youth the importance of saving. “We figured we needed to tackle that issue and start teaching them at a young age so that when they get out on their own, they can manage their finances,” she said. Savings Makes Cents teaches sixth grade students how and why to save money. Hubbard and her team provide informative lectures to the students, as well as hands-on learning. The program takes place once a year in the students’ classroom, usually after standardized testing. “We have one day where we go into every single sixth grade classroom,” Hubbard added.One goal for Savings Makes Cents is to show students that “they do have money and they need to start planning what they’re going to do with their money.” Hubbard wants to see students saving money and thinking about their future goals. She also hopes to see students opening savings accounts at the local bank. Farmers and Merchants Bank provides each student with a savings account certificate. In 2013, five students used the certificate provided by the bank to open a personal savings account. Hubbard is spreading the knowledge and message of Savings Makes Cents among other Extension agents, though some agents in Georgia are already teaching the Savings Makes Cents curriculum. She, along with a team of three other 4-H agents, are teaching the curriculum at this week’s national 4-H meeting in Minnesota. Extension agents from across the country are learning the curriculum and how to apply it in their counties. “We explain the activities and how we use them, but also give them different options for how they can do it,” Hubbard said, of the activities that go along with the lessons. “They can tailor it to their own specific needs.”Extension agents that use the curriculum are bound to see the impressive results of students’ saving habits that Hubbard has seen while teaching the program. In 2013, 97 percent of students in the program learned something new about savings, and 78 percent planned to save money for future goals. For more information or to contact the Lanier County Extension office, visit their website.(Jordan Hill is an intern with the UGA Tifton Campus.)last_img read more

Madrid, FEF … soccer condolences for the death of Capón

first_imgHe #ElcheCF He wants to send his condolences to all his family and loved ones for the death of José Luis Capón📚 He played as a franjiverde in the season 1980-81, in a total of 32 gamesRest in peace– Elche Football Club (@elchecfoficial) March 29, 2020“The President of the RFEF, Luis Rubiales, and the Royal Spanish Football Federation as a whole, wish to convey their deepest condolences to the family and friends of Mr. José Luis Capón, who died this Sunday, March 29 at the age of 72 age “, regretted the Spanish Football Federation. “Real Madrid deeply regrets the death of Atlético legend, José Luis Capón. All our strength and encouragement to his family and friends, his club and all Atlético fans“wrote the eternal rival. The world soccer showed today all day his condolences for the death of José Luis Capón, historical side of Atlético of the 70s, who died in Madrid from pneumonia, at the age of 72. From Real Madrid to the Spanish Football Federation (FEF), led by its president Luis Rubiales, to Paulo Futre, another of the rojiblancas legends, and Elche, another of the clubs in which Capón played (1980-81). He regretted his loss with a message on social networks, in which he expressed his condolences to all his family and loved ones. “The athletic family is in mourning. One of our great legends has passed away: José Luis Capón. You will always be in our hearts. Rest in peace“, wrote Atlético in a tweet by whom, in another subsequent tweet, he called” the side of the two bands. “ Real Madrid C. F. deeply regrets the death of the legend of the @Atleti José Luis Capón. All our strength and encouragement to his family and friends, his club and all Atlético de Madrid fans.– Real Madrid C.F.⚽ (@realmadrid) March 29, 2020A lament they intoned The 50 (“José Luis Capón was not only a legend but someone tremendously special to us. Our sponsor in the beginning and in our presentation, was always a reference. Sincere, clear and emotional. We feel his loss in the soul and we will always remember him. DEP), the Union of Peñas (“From the Union we convey our condolences to the family and friends of Capón, great defense of Atleti. DEP) and numerous supporters and fans. A regret that also traveled from Portugal, from the fingers of Paulo Futre, another of the rojiblanco legends, who regretted that the sky had “been dyed red and white again”, referring to the loss of Capón and all the mourning of the last days, with the death of Peiró and the death of Christian, a 14-year-old boy from Infantil C. “My deepest condolences to the family of José Luis Capón Rest in peace Legend, “he said goodbye.last_img read more

NGSA results to be announced Thursday

first_imgThe Education Ministry has announced that the much-awaited 2018 National Grade Six Assessment (NGSA) results would be released on Thursday.They will be announced by Education Minister Nicolette Henry at the National Centre for Educational Resource Development (NCERD).Throughout last week, several calls were made by the public and former Education Minister Priya Manickchand to have the results announced.The former Education Minister took to her Facebook page to comment on the fact that the results should have been released earlier, since the grades would have already been tabulated. She also stressed that the children deserve timely resultsEducation Minister Nicolette Henrythat have not been tampered with and the investments made by parents, teachers, and students should be taken seriously.She informed that the results were tabulated over a week ago and a schedule was also completed on how the announcements would be made. On March 28 and March 29, some 14,551 pupils wrote the examinations to complete their primary education and gain entrance into the secondary education system.The Minister had last year underscored that 2017’s results were an improvement over 2016’s and she once again observed that efforts would have been employed to ensure that this trend continued. Each candidate’s NGSA score is calculated by adding five per cent of each candidate’s Grade Two scores in Mathematics and English, and 10 per cent of the Grade Four score in the same subjects to 85 per cent of each candidate’s score in those subjects at the Grade Six Assessment. The combined scores in Mathematics and English are then added to the scores gained in Science and Social Studies.The NGSA replaced the longstanding Common Entrance Examination, which was a one-off assessment at the Grade Six level.last_img read more