April 13, 2016 April is Financial Literacy Month · home, garden, work space or wearing as jewelry...
Transcript of April 13, 2016 April is Financial Literacy Month · home, garden, work space or wearing as jewelry...
April is Financial Literacy MonthBy Joe Novak
We have a f i n a n c i a l l i t e r a c y
problem in this country and when you add common Core Math to this equation, it is no
wonder our youth can’t make change for a $5 bill when the computers go out at McDonalds. I realize that finances and arithmetic are different, however if you can’t make change, chances are you are not going to be financially independent when you are 45 years old. Since only 1 percent of Americans are financially independent when they retire, the odds are stacked against you. This is a product of our school system since we are not taught financial independence as a career goal.
Most people have little working knowledge of money, let alone finances. The average worker assumes that the system is rigged for them to go to work, earn a paycheck, spend that check and go back to work again to earn another one. This is what 90 percent of working American’s do; that is why they never get ahead of this game. You must achieve a position where money works for you not the other way around.
I was taught very early on that it is not what you earn, it is what you hold
onto that makes you wealthy. Not only do I have my First Communion money, I have my dad’s as well. When I see families with data plans that cost more than an average car payment, pay for view bills and $29,000 in credit card debt, I wonder how these people sleep at night. There is very little delayed gratification as far as spending on something you think you must have now.
The cure is to start by getting a small note pad or use your overpriced s m a r t p h o n e to record every p u r c h a s e n o matter how small for the next month. T h i s i n c l u d e s c a r payments, utilities, data plans, house payments and impulse purchases. After a month, sit down and review every purchase as you add up the total for the month. This will give you an idea of what you can get by without. You need your spouse to do the same. Start embracing the idea that you are going to save up for things, not finance
them. How far does your dollar actually go and how much of an earned dollar do you get to spend?
One dollar earned is subject to an average of 30 cents of combined
state, federal and city taxes. That leaves 70
cents until you spend it and pay 7 percent sales tax, leaving 63 cents. If you purchase something with a credit card and your interest rate is 22 percent, you now have 41 cents of purchasing power with your original dollar earned. When you tack on all the government fees, utilities, service charges, transmission fees and just because we have fees that are added to most phone, cable, electric, gas and almost all other
services, you have 33 cents of purchasing power out of your original hard earned dollar. Still wonder why you can’t get
ahead? Weather you rent or own, you are paying property taxes, license plates, dog licenses, fishing and hunting licenses and over 100 other license fees and non-disclosed fees and taxes leaving you a whopping 22 cents worth of spending power from your original earned dollar.
Depressed yet? If you don’t get your fiscal house in order, you can end up as one of the 57 percent in this country that are two paychecks away from not eating. This is a harsh reality and in my next article
I will teach you how to get onto the path of financial independence and possibly zero debt.
To find out what Joe would do, e-mail questions to [email protected]. Joe has 20-some years experience in manufacturing and says that as a small business owner, he found that you either learn how to solve a problem yourself or pay to have it done. Joe’s articles are his opinion and are only intended as a guide. Please consult an expert when in doubt.
Jan. 21, 2015
Home Inside & OutApril 13, 2016
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Road and Bridge ImprovementsSubmitted by Colleen Lockhart
Spring has arrived in Geauga County and the County Engineer’s Office has almost completely transitioned
from snow and ice operations to the 2016 summer road and bridge safety improvement and resurfacing projects s c h e d u l e . T h e Engineer’s Office has already begun work on the safety improvement of the intersection at Clay Street and Pioneer Road in Huntsburg.
Eight contracted improvements are included on their 2016 schedule. Cutts Road in Hambden with bridge and culvert replacement and traffic detour. Clay Street from 322 to Burton-Windsor will include a resurfacing project and a safety improvement project at the intersection of Clay Street and Pioneer. Chardon-Windsor in Huntsburg east of 528 with traffic maintained during resurfacing. Aquilla Road south of 322 with traffic maintained during resurfacing. Hale Road and Butternut in Burton with traffic maintained during resurfacing.
Gingerich Road in Middlefield resurfacing project with traffic detoured. Mulberry Road in Munson and Chester townships for
resurfacing with traffic maintained. Auburn Road, south of 422, in Auburn Township with traffic maintained for resurfacing. Your Geauga County Engineer, Joe Cattell, asks that you, “Please drive safely on our roads and bridges and enjoy beautiful Geauga County.” You are invited to contact Mr. Cattell or his office with questions or comments at 440-279-1800.
Clay Street Project, Huntsburg (MP Photo/Lockhart)
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Crystals for the Home and GardenBy Debby Wenner
Spring has arrived and it’s time for new changes and beginnings. How fun to incorporate the beauty and colorful
energies of crystals to your life and home. It is easy for you and the whole family to apply simple healing stones to benefit your environment. Learn unique ways to bring success, love, health and harmony into your home and garden area large or small. Spring is a time for cleaning out the old to make room for fresh and new.
To accomplish this you can use the
traditional White Sage, (smudge stick) to cleanse and purify to remove old stuck energy. After cleansing, it is good to use Sweetgrass, this brings in fresh and new energy. It is important to cleanse your crystals, home and any new items that you bring into the home or garden. You can use White Sage, Desert Sage or even Sixth Sense Sage which has six different items in one stick to get the job done all at once. If you don’t want to use the smudge stick you have the option of using an incense stick, cone or even sage spray to purify.
Simple placement of crystals in your home, garden, work space or wearing as jewelry gives you levels of healing to enhance your everyday life. Himalayan Salt Crystal lamps or candles will balance the ions to produce a calm, soft healing effect. It will energize and protect you from EMS, (electromagnetic smog). EMS is given off by electrical power lines, computers, cell phones and TV’s. To help in protecting you and your family from these effects also try using Smoky Quartz, Black Tourmaline, Amethyst, Fluorite, Lepidolite or Sodalite.
To attract more wealth into your life place a piece of Citrine in your wealth corner in your home, the farthest left rear corner from the front door or entryway of any room. The golden yellow color is like a ray of sunshine.
If it’s Love you are looking for, place a piece of beautiful pink Rose Quartz in the relationship corner of your home, the farthest right rear corner from the front door. You can also place by your bedside for a full effect, but it is very powerful and it might need a piece of Amethyst to regulate or slow down the attraction. As with any new energy you invite into your life beware, and be careful what you wish and ask for,
you just might get it. If you find that your crystal is not working, you can ask if it would like to be moved, or it may not be the right time for this energy to be received. This is true of anything that we are healing, changing or looking for new or different in our lives.
Protect your boundaries with Agates. Bury a small handful of small agates on each side of your gate or driveway, then bury one at each corner or the boundary of your garden or yard. Always ask the stones
to help solve w h a t e v e r y o u wish for them to do. You can also u s e , H e m a t i t e , Jet or Smoky Q u a r t z . S h i e l d your entrance with Hematite placed outside the door or under the mat. Hold them and ask that they protect your entrance and heal all the people that come or call there.
You can also use Selenite a n d O b s i d i a n . H a r m o n i z e t h e e n t r y w a y w i t h Obsidian, a great protection stone that you can use to deflect incoming f r u s t r a t i o n s ,
negative energy or conflict. Place this crystal on a small table in the hall by the front door. This will give you and the home pure comfort and harmony.
You can also use, Citrine, Clear Topaz or Brown Jaspers. Deflecting negative Chi with a Faceted Crystal. This works great in any room in the home where there is sunlight or a light that flows onto the crystal. Hanging it in the window or light stirs and breaks up the energy so it can flow easier. This will now bring a fresh and bright lighter feeling as if all has been newly spring cleaned. Always remember to keep your crystals as clean as possible so they can do the best job for you.
You can continue to cleanse on so many levels you will begin to look forward to it, especially as you see the changes that it brings to you and your loved ones. Balance emotions with a Crystal Tree. For a better night’s sleep use Hematite. Boost passion with Rubies. Release worries at night with Sodalite. Have peaceful dreams with a Dream Catcher and use aroma to change moods and heal.
These are just a few examples of the wonderful healing energies you can invite into your home and garden to bring Peace and Tranquility to all. Country Arts & Jewelry carries a large selection of healing crystals, books and Garden chimes for your healing and enjoyment. They carry over 50 different crystal and healing books, along with cards, charts, incense, sage and oils. They also have available beautiful garden and indoor chimes. If you want to wear your crystals they have pendants or necklaces, or crystal beads to make your own design. Visit at Country Arts & Jewelry, 15864 Nauvoo Road in Middlefield (44062). Call 440-632-5343, email [email protected], or visit www.Countryartsandjewelry.com.
Crystals and cleansing for the home. ( MP Photo/CAJ)
Alan Mullet (440) 693-4363
4853 Kinsman Rd. (Rt. 87) • Middlefield •1 m. west of Mespo
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SERVICE & SALES• Fire Extinguishers
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Registration Open For Day CampsAre your kids ready for a summer adventure? Geauga Park District’s summer camps offer
lots of exploring, biking, kayaking, fishing, sending rockets and kites high into the sky and much more. The best part is, kids are outside in the fresh air, in nature. Registration is open now at 440-286-9516, space is limited.
For youth entering grades five through seven, week-long Adventure Camp will be offered the weeks of June 27, July 11 and 18, Aug. 1 and 8, and new this year, a Junior Naturalist experience will be the week of June 13. For teens entering grades eight through 10, a week-long experience will be offered the weeks of June 20 and July 25. Single-day X-Treme Days will also be held for this age group on Tuesday, July 5 (Survival), Wednesday, July 6 (LaDue Kayak), Thursday, July 7 (Engineering Challenge) and Friday, July 8 (Natural Science Sampler). Also new this year is before and after care options available for campers registered the weeks of June 27, July 25 and Aug. 1 at an additional fee.
Camp attendance costs $150 for full weeks and $30 for X-Treme Days, all 9 a.m. to 3p.m. Financial assistance is available. Details on all adventures are online at www.geaugaparkdistrict.org under Find a Program/Event. For information about financial assistance and care options, call 440-285-9516. Geauga Park District’s summer camps are sponsored by the Chip Henry Institute for Outdoor Adventure, established in memory of the late Geauga County Probate/Juvenile Court Judge Charles “Chip” Henry, who had great passion for Nature and youth. Geauga Park District is online at http://geaugaparkdistrict.org, Facebook, Twitter and YouTube.
Spring BirdingWant to get in on the enjoyment, excitement, fascination and joyful outdoor recreation
that watching birds has to offer? Once relegated to the domain of eccentrics, bird watching now ranks among one of the most popular pastimes in America, and Geauga Park District is eager to help you make the connection. Continuing a Greater Cleveland tradition since 1933, the Annual Spring Bird Walk Series returns for six walks throughout April and May, April 17 at Frohring Meadows, April 24 at The Rookery, May 1 at Eldon Russell Park, May 8 at Big Creek Park and May 15 at Swine Creek Reservation. All are Sundays from 7:30 to 9:30 a.m. and among Nature’s Not to Be Missed opportunities.
Located where there is the best bet for birds at each particular stage in migration, these walks connect experienced bird watchers with novices of all ages for bird observation, identification and interpretation. Said aturalist Dan Best, who hosts, “This is a great way to enjoy birds in the company of friendly folks, as well as a marvelous means to experience the splendors of spring in your parks.”
For outdoor programs, please dress for the weather and bring a bird guide if you have one. Registration is not required for any of the above mentioned. Park addresses can be found on the website. Call 440-286-9516 with questions. Geauga Park District is online at http://geaugaparkdistrict.org, Facebook, Twitter and YouTube.
Rotary Club Scholarships
The Rotary Club of Burton-Middlefield in Geauga County is offering a $2000 scholarship to one graduating high school senior who is attending Newbury, Berkshire and Cardinal high schools.
The purpose of the scholarship awards is to assist those students who share the same value of service that all Rotarians share.
Interested students may obtain an application from their high school guidance counselor or request one by emailing [email protected]. Applications must be submitted by Friday, April 22 to the guidance counselor.
Call us at 440-834-4533www.troyoakshomes.com
Dog Training Classes(Obedience/Agility)
Gail Jaite, Owner440-632-1099
Classes in all levels Of ObedienCe and aGility
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pre-registration is required.
13769 Old state Rd.(Rt.608)Middlefield 44062
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That's Using My NoodleBy Ellie Behman
I gingerly made my way into the pool. What was I doing
here and how long would I last? I’m not even crazy about the thought of swimming let alone spending an hour doing exercises with dozens of
seasoned swimmers. I snapped back to reality, took a deep breath and actually went in, all the way up to my neck. I realized I was kidding myself. I knew very well why I made the decision to do water therapy. I was facing knee surgery and was told by others that it would be beneficial to my recovery. So off to the YMCA I went, signed up and took a tour of the bustling facility. Music was blaring as dozens of seniors moved quickly to the intoxicating music. I made a mental note that I would try that class as soon as possible. Yeah, right!
Water therapy was my priority as well as my nemesis. I felt like a little kindergartener on her first day, trying to follow instructions. As the water coach explained each exercise and I desperately tried to copy her every move, I knew what it felt like to experience clumsiness. When she shouted “Kick with your left leg” and my right leg shot out I did notice a lady watching me and laughing at my confusion and lack of co-ordination.
Looking around I quickly realized that the majority of participants were elderly women. Then I caught a glimpse of my
reflection and an elderly woman stared back at me. I took a good look at myself and instantly had a reality check. Talk about an awakening.
I backed up to the wall to keep me steady and remained there as I shifted from one leg to the other. I wondered if I would ever be able to stand with the others without falling over and stumbling about like a new born colt. Then out came the buoyant water noodles and I got a little more nervous. I wondered if this new exercise would be difficult to master and make me look more ridiculous than I already looked. The instructor commanded, “Step on the noodle and cross one leg over the other.” Was she kidding or what? I looked around and saw everyone completing the exercise smoothly and I felt a tad embarrassed. I gave it my best shot and, amazingly, this long Styrofoam water accessory kept me from making a fool out of myself and I soon developed a huge respect for my new friend, the noodle. My first few visits to the YMCA proved to be fun as well as helpful. The decision to try water therapy was a good one and I mumbled to myself, “That’s using my noodle.”
Ellie has been a freelance writer for more than 40 years and has written over 400 articles. She and her husband spend as much time as possible at their cabin where they enjoy the beauty of the surrounding area. This is where the majority of her writing is done as it is the perfect quiet setting for a writer.
15960 East High St • Middlefield • 440.487.0724
All Natural Soaps,
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Open: Mon,Tue,Thur, Fri 10am-5pm; Sat 10am-3pm; Closed: Sun and Wed
Featured will be handcrafted furniture, vintage finds, garden treasures, natural
body care and many more surprises. Enjoy refreshments as you peruse local artisans
eclectic mix of home and garden decor.
Spring Open HouseSaturday May 7th •10-5
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STIHLdealers.comIndicates products that are built in the United States from domestic and foreign parts and components.
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YARD AND GARDEN EQUIPMENT 12089 RAVENNA RD. (Rt.44) • CHARDON
440-286-2315 • aygoh.comALVORD’S
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440-834-8900 • 440-632-0782 • [email protected]
providing advertising, printing and publishing services
marketing solutions since 1992• graphic design • printing
brochures | flyers | business cards | stationary | forms• copywriting • web design • web maintenance
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PUBLISHERS OF:
Bi-monthly magazine. Mailed to all of Geauga County.
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{ MARKETING }
HELP WANTED
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MiddlefieldPost
Regular Price $45
Spring Special $35Call 440-632-0782
Mail to :P.O. Box 626
Middlefield 44062
REAL ESTATE
OBEDIENCE CLASSESDog Training Classes(Obedience/Agility)
Gail Jaite, Owner440-632-1099
Classes in all levels Of ObedienCe and aGility
all classes will be held at tall Pines dog training.limited class size,
pre-registration is required.
13769 Old state Rd.(Rt.608)Middlefield 44062
ta l lp inesk9@hotmai l .comwww.tal lp inesk9.com
Immediate Openings!!
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Give us a call if you need something sold or leased
Office, Retail or Garage Take your pick of which space or spaces that you need in this corner building: Showroom with high ceilings, attached office that can be leased separately, attached garage with tall overhead door (also can be leased separately), another office with a picture window overlooking Rt 44…Newbury
Close to Rt 422 is this 5 bedroom 2.5 bath house with many updates and sitting on .24 acres for less yard maintenance…Troy for only $114,000
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Easy Commute! Motivated! Bring All Offers! According to the National Association of Realtors, spring is the most popular season to sell/buy a house. Buyers are usually hesitant to move during the winter when the weather is colder and kids are in school. So, while there are lots of houses to choose from in the spring, property prices are at their highest then.
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{ AUTOMOTIVE }
Ken’s Auto Body, Inc.
ken zwolinski
Phone (440) 834-1293Toll-Free (888) 601-8380Fax# (440) 834-1112
14430 Main Market Rd.(Rt. 422) • Burton
{ MUSIC lESSONS }
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BEFORE You Self-Publish...Words, Ink.Your effort is too important for errors!Book Editing • Proofreading
Anne E. Bauswein440.543.4321440.478.2950
{ COUNTERTOPS }
Specializing in Laminate & Wilsonart Solid-Surface
Countertops
Miller’s Top ShopCustom-Made Countertops
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{ WElDING }
Coffee Creek Weld Shop Welding, Fabricating & Repair
Maytag Wringer Washers Sales Service & Trade-Ins
Robert H, Miller 440-693-4478 let ring
9120 N. Girdle Rd Middlefield,44062
Middlef ieldPOST www.middlefieldpost.com
Publisher: FONTANELLE group inc. Editor: Kim Breyley | [email protected] Editor: Christina Grand Porter Public Relations: Geri WatsonStaff Writers: Ellie Behman | Patrick Blau | Susan Dacek | Eileen Epling | Jacquie Foote | Nancy Huth | Colleen Lockhart | Dave RupleContributing Writers: Mayor Ben Garlich | Lynda Nemeth | Richard Manley | Joe Novak | Ty Pilarczyk | Rick Seyer Advertising Sales: Darrin Cook | Gayle Mantush | Laura McCune Graphic Design: Eileen Epling | Michelle Householder | Dave RupleAddress: 15520 W. High St., P.O. Box 626, Middlefield, OH 44062Contact Info: Phone: 440-632-0782 | Fax: 440-834-8933 | [email protected] | www.middlefieldpost.com
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End of the Commons General Store – B&K SalvageMiddlefield: Amish Home Craft & Bakery – BT Gas Station Giant
Eagle – Harrington Square – Hershberger’s Housewares – Mary Yoder’s Amish Kitchen – Middlefield Ace Hardware –
Middlefield Cheese – Middlefield Library - Middlefield Mini Mart Mullet’s Footwear and Country Cedar – Mullet’s Harness
Tai Pan Chinese Restaurant – Watson’s 87 FurnitureMontville: Hemly Tool Supply – Montville General Store
newBury: Mangia Mangia – Newbury Printing Company & More ParkMan: BP Gas Station – Cross Cut Country Store
Frozen Dee-lite JD’s Post House – Graham’s Country Storewest farMinGton: Bontrager Groceries
Farmington Hardware – West Farmington Senior Center
The Middlefield Post publishes 8,000 copies every two weeks and is mailed, via U.S. Postal Service to all residences, businesses and P.O. Boxes of Middlefield, Parkman and Huntsburg. Reproductions or transmissions of the Middlefield Post (MP), in whole or in part, without written permission of the publisher is prohibited. MP is not responsible for any errors, or omissions of preprinted ads, articles, letters and submissions. Errors or omissions in ads designed by MP are limited to correction or a discounted rerun in future issues. MP will not be liable for delay or failure in performance in publication and/or distribution if all or any part of an issue is delayed or suspended for any reason. The publisher will exercise reasonable judgement in these instances and will make adjustments for the advertiser when appropriate. MP reserves the right to edit all editorial submissions for space and content. ©Copyright 2016 The Middlefield Post
{ HEAlTH STORE } { METAlS }
For the next year we will be holding monthly digital photo contests. All entries need to be submitted to [email protected]. All photos submitted will be published online at www.middlefieldpost.com. A winning photo will be chosen each month and set aside for a 2017 area calendar and will be published in the Middlefield Post. Catagories listed on the left.
Photos need to be taken in Geauga County. Only a first prize will be awarded each month. It will vary but be valued at a minimum of a $25 gift certificate for a local establishment. Any photo will be accepted provided it is submitted digitally. It may be scanned from a hard copy. Please include, category/month and caption, where it was taken, by whom and when. Include owner’s name, address, phone and email. Limited to only five entries per entrant per month. Submit before the end of each month to be included in the appropriate month’s category. Now get snapping!
MPPhoto Contest
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April: Spring. May: Flowers/Trees. June: Weddings/Family. July: Summer.
August: Back to School. September: The Great Geauga County Fair.
October: Autumn/Halloween. November: Harvest/Thanksgiving. December: Season’s Greetings.
Vitamins • Supplements • Organic Bulk Flours • Seeds • Beans Essential Oils • Celtic Salt •
Bragg’s Vinegar • Organic Coffee • Gluten Free
WITH ALL NATURAL PRODUCTS INCLUDING
17677 Reeves Rd. Middlefield, OH 44062 • 440.548.2007WE DO MAIL ORDERS!
Hours: Mon-Fri 8:30-5; Sat 8:30-3; Closed Holidays & Sundays
in your step...Put a little Spring
SERVICES DIRECTORY
Mast Metal SalesBuilding Materials
• Metal and Vinyl Siding• Steel Truss Buildings
• Cannon Ball Track• Metal Roofing
• Shingles • Door Frames & Accessories Melvin J. Mast
OPEN: Mon-Fri 7am-5pm
Saturdays by appointment
13828 Bundysburg Rd., Middlefield • 440-632-0093 (let ring)
Thursdays
FULL BAR AVAILABLE
El PatronMexican Grill & Cantina
15585 West High St • Middlefield
440-632-0040
www.ElPatronMex.com
only $1.99
Drink Specials
Mon-Thurs 11am-10pm • Fri & Sat 11am-11pm • Sun 12-9pm
Coyote’sMexican Grill & Cantina
8335 Tanglewood Square • Bainbridge
440-543-0454www.coyotesmexican.com
AlsoVisit
Happy Hour 1-6pm Mon-Thurs99¢ TacoSpecialTUESDAYS ONLY
Any FoodPurchase
$30or more
DINE IN ONLY Not valid with any other offer or discount. Middlefield location only. Exp. Apr. 30, 2016.
El Patron Mexican Grill & Cantina 15585 West High St • Middlefield • 440-632-0040
$5off
Try Our New
Coleslaw!
Not valid with any other offer or discount. Middlefield location only. Exp. Apr. 30, 2016.
El Patron Mexican Grill & Cantina 15585 West High St • Middlefield • 440-632-0040
52 Dinners & 2 Soft Drinks
off$
Small Strawberry & Lime Margaritas
New Drink!Iceberg -32oz - $6.99