The Community News Flash

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September 2024

The Community News Flash

Editor’s Corner

Jerry W. Porter CEO/Publisher PO Box 1292, Corinth, MS 38835-1292 Cell: 662-643-6842 Email: read.newsflash@gmail.com

The Mirror Within: Reflecting on Our Inner Selves Every morning, we stand before the mirror, scrutinizing our outward appearance. We adjust our hair, straighten our clothes, and ensure that we present our best face to the world. This ritual, so ingrained in our daily routine, reminds us of the importance society places on physical appearance. But as we perfect our external image, how often do we pause to examine our inner selves?

In our fast-paced lives, it is easy to overlook the importance of inner reflection. We are constantly bombarded with images and messages that emphasize the value of outward beauty, yet true fulfillment and peace come from within. Just as we use a mirror to

Suitcase Drive The Suits You Too clothing ministry will be hosting a suitcase drive. We are looking for a small to medium-sized suitcase. The suitcases will be used to carry donated clothes. Contact Jerry W. Porter at (662) 6436842 to pick up suitcase donations.

check our physical appearance, we must learn to use a spiritual mirror to evaluate our inner lives.

The concept of a spiritual mirror is not new. Philosophers, religious leaders, and thinkers throughout history have urged us to look inward, to examine our thoughts, feelings, and actions.

This introspection is crucial for personal growth and self-awareness. When we take the time to reflect on our inner selves, we can identify areas for improvement, recognize our strengths, and align our actions with our values.

Looking into the spiritual mirror involves asking ourselves challenging questions: Are we living authentically? Are our actions consistent with our beliefs? Are we nurturing our relationships and contributing positively to our community?

These reflections help us to understand who we are at our core and to live more meaningful, intentional lives.

Just as we can change our physical appearance by adopting new habits or styles, we can transform our inner selves through introspection and personal development. By cultivating virtues like kindness, empathy, and integrity, we enhance our character and enrich our lives.

This inner work is not always easy, but it is essential for true happiness and fulfillment.

In a world that often prioritizes the superficial, taking time for inner reflection can feel revolutionary. Yet, it is through this practice that we find clarity and purpose. We discover that our worth is not defined by our exter-

The Community News Flash is published monthly by Porter Publishing, Inc., with all rights reserved – © 2001 Reproduction or use without permission of editorial on graphic contents in any manner is prohibited by law.

This newspaper is designed to exhibit the positive by publishing only positive and uplifting personal profiles.

The annual subscription rate is Twenty four dollars and forty eight cents ($26.00). Information is gathered from sources considered to be reliable and accurate. Thoughts expressed in letters to the editor and commentaries are those of the authors and not necessarily those of The Community News Flash staff.

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nal appearance but by the quality of our character and the depth of our spirit.

So, the next time you stand before the mirror, take a moment to reflect not only on your outward appearance but also on your inner self. Use this opportunity to look into your spiritual mirror and ask yourself how you can

grow, improve, and align more closely with your true values. By doing so, you will find a deeper sense of peace and fulfillment that radiates from within, creating a lasting and meaningful impact on your life and the lives of those around you.

Whoo! Whoo! Until next time!

All aboard!

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Monthly Meditation Do not merely listen to the word, and so deceive yourselves. Do what it says. Anyone who listens to the word but does not do what it says is like someone who looks at his face in a mirror and, after looking at himself, goes away and immediately forgets what he looks like. James 1:22-24

Notable Quote When I was young, every time I criticized someone, my mother would stand me in front of the mirror and say: 'The flaws you see in others are actually a reflection of yourself.' That taught me to pay close attention when I looked at others.----Richard Branson

September 2024

SEPTEMBER BIBLE TRIVIA

Stop by our new location at 712 S. Tate St., Corinth, Mississippi, or contact me, Jerry W. Porter, at (662) 643-6842, or visit us on Facebook to get more information on this ministry. If you wish to make a donation to this ministry, it would be greatly appreciated. Please use the Cash App at $SuitsYouToo or mail your donation to PO Box 1292, Corinth, MS 38835.

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The Community News Flash

1. The angel of the Lord appeared to the banished Hagar and told her what to name her child. What was the child's name?

2. How many angels rescued Lot and his family from the doomed city of Sodom?

3. What apostle was released from prison by an angel who opened the prison's iron gate?

4. The prophet Balaam could not see the Lord's angel, but his talking donkey could. What was it about the angel that made the donkey turn away?

5. Joshua encountered an angel who was captain of the host of the Lord. What was the angel's purpose in appearing to Joshua?

6. The angel of the Lord instructed Philip to go to Gaza. What person did Philip encounter afterward?

7. What was the name of the angel who appeared to Mary and to Zacharias?

8. This man's mother was visited by the angel of the Lord, who told her she would have a son who would be dedicated as a Nazarite. Who was he?

9. Elijah was nurtured by an angel after his flight from Israel's evil queen.

Who was the queen?

10. Jacob is the only person known to have wrestled with an angel. What kindly act did the angel perform after the wrestling match?

11. What Roman official was visited by an angel who told him God had heard his prayers?

12. Who was commissioned by an angel to save Israel from the Midianites?

Send in your answers to the following Bible Trivia Questions and take a chance at winning a complimentary bible from the Community News Flash. Random drawing will be held monthly and contestant can only win twice within a 6 month period.

August Answers 1. Daniel (7:9) 2. Stephen (Acts 7:55) 3. Paul (2 Corinthians 12:2) 4. John, author of Revelation (Revelation 4:2) 5. The train of God's robe (Isaiah 6:1) 6. Moses (Exodus 33:23) 7. The prophet Micaiah (2 Chronicles 18:18) 8. Ezekiel (1:26) 9. Jacob (Genesis 28:12-13) 10. Aaron, Nadab, Abihu, and 70 of the Israelite elders (Exodus 24:9-10).

“But we have this treasure in jars of clay to show that this all-surpassing power is from God and not from us.”

2 Corinthians 4:7 NIV

The Miracle of Life...and Death

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nyone who has taken more than a moment to think about life, and specifically how our lives, indeed our bodies, come to exist, cannot but be amazed. That a single sperm and egg can somehow grow into a human being which will become conscious through the living matter in its nervous system never ceases to amaze me. And that women can grow and nurture this being in and through their bodies is another miracle that calls for sublime awe, not to mention that life in all its various forms can perpetuate itself. What we sometimes overlook when contemplating the miracle of life is the miracle of death. That is, how is it that something which once was animated becomes inanimate in death? The physical, scientific explanation goes part of the way towards describing what happens, i.e., the heart and lungs and the whole cardio-pulmonary apparatus ceases to deliver oxygen-rich blood to the various parts of the body, which then cease to function. But on a spiritual level, a being which was endowed with a mind, and a spirit, dare we say an animal with a soul, is now giving this up and their soul is preparing to meet its God. The thing to contemplate here is not the physical event, but rather the spiritual event. And to be honest, no one really knows what this event will be like, which is why all living beings tremble in fear in the face of death.

–Christopher Simon

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September 2024

The Community News Flash

Struggling to Make Rent? Here’s What to Know

(c) fizkes / iStock via Getty Images Plus

(StatePoint) Upfront and ongoing renting costs can put financial stress on any monthly budget. But whether you are experiencing financial hardship or just need a little extra help to make ends meet, you may have options by working with your property manager.

If you’re struggling to meet either of the two largest financial responsibilities of your lease — your security deposit or rent — here’s what you can do, according to Freddie Mac: Alternative Security Deposits The upfront cost of a security deposit can be a challenge for some renters. However,

some property managers offer alternatives that decrease the amount due at signing. Common options include: • Recoupment: You agree to pay the property manager for any damages up to a pre-approved amount. If you fail to pay for damages at move out, a deposit company will bill you the amount owed.

• Insurance: You pay monthly premiums for an insurance policy, up to a certain limit, to cover any damages you cause.

• Installments: Rather than paying the full deposit at move-in, you’ll pay in smaller installments, typically monthly.

It’s important to know the different implications of each option. While these alternatives may seem attractive at lease signing, the cumulative out-of-pocket costs may be more than the amount of the traditional security deposit in the long run. Furthermore, depending on the option you choose, you may also still be liable for costs associated with damages to your unit. Make sure your agreed-upon terms are documented and that you fully understand them.

Rent Flexibility Talk to your property manager about the

flexibility they can provide on your rent payments. There are several common arrangements that they may be willing to offer you, which include: • Personalizing your payment dates: Most rent payments are due on the first of the month, and many properties typically offer a grace period. However, depending on your pay day, this timing still may not be ideal. Speak to your property manager about changing your payment due date to better align with your pay cycle.

• Paying in installments: You may find it difficult to cover your full monthly rent in one payment. If this is the case, your property manager may be willing to work out an alternative schedule that allows you to make multiple smaller payments throughout the month.

• Receiving a waiver for late fees or penalties: Late fees and penalties are intended to discourage repeated late payments — but sometimes, unexpected things happen. If you’re facing a temporary setback but are otherwise in good standing with your property manager, you may be able to negotiate a onetime exception for late fees or penalties.

Navigating the Conversation Approaching your property manager can be intimidating. Before your conversation, consider seeking advice from a HUD-certified housing counselor to help you understand your rights and options, and to prepare any relevant information you may need. As you negotiate with your property manager, keep written documentation of any agreements made. And of course, keep the lines of communication open so that both parties are holding up their end of the agreement.

If you need assistance, reach out to a Renter Resource Organization, which can provide financial planning advice, educate you on your rights and responsibilities as a renter, offer mediation in landlord-tenant disputes, provide legal advice and more. Visit myhome. freddiemac.com/rros to find an organization servicing your region or call Freddie Mac’s Renter Helpline at 800-404-3097 to speak to a HUD-certified housing counselor.

If you’re struggling as a renter, actively communicating by asking questions or asking for assistance can relieve financial pressure and help you avoid eviction.

“But when you pray, go into your room, close the door and pray to your Father, who is unseen.

Then your Father, who sees what is done in secret, will reward you. And when you pray, do not keep on babbling like pagans, for they think they will be heard because of their many words.”

Matthew 6:6-7 NIV

Alone in a Quiet Room

T Four locations: 1901 G South Harper Rd Corinth, MS. 38834 (662) 594-1250

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he French philosopher Pascal might seem to be diagnosing our modern inability to pay attention for longer than five minutes or our desire to have endless noise and distractions almost literally wired into our brains. But we should remember that Pascal was writing in the 1600s and there were no smartphones nor internet, nor television or social media. People may have been flitting around and going to salons or public spaces and even reading the latest news, but they didn’t have TikTok or Facebook in the 1600s. Recent experiments have verified what Pascal said some four centuries ago. In an experiment at the University of Virginia, 67% of male college students given a chance to entertain themselves with their own thoughts for just 15 minutes chose instead to self-administer painful shocks, saying that engaging in mental reverie was difficult and boring. So what then is the value of sitting quietly in a room alone? Besides allowing us to get in touch with ourselves and be alone with our thoughts, the fruit of silence is prayer, as Mother Teresa has said. And she adds that the “fruit of prayer is faith, the fruit of faith is love, the fruit of love is service, and the fruit of service is peace.” So this ability to be alone with ourselves, and to just sit in quiet time might ultimately bring us peace of mind. But only if we can develop the ability to do it. And therein lies the rub. We have created environments, via our phones, computers and televisions, where distractions are everywhere and boredom is kept at bay. But at what price? Most of us now have the attention span of a gnat, flitting from one thing to another. We need to relearn how to sit quietly in a room alone.

–Christopher Simon

September 2024

Memory Lane Let’s take a walk down memory lane, shall we? We seniors have seen a lot of changes in the world since we were born.

In 1941, gas was 19 cents a gallon, which equates to $2.95 in today’s money. Bread was 8 cents ($1.24 today) and milk was 34 cents ($5.29 today). The very next year the production of autos was halted.

A car cost around $800 ($12,000 today) but after we were attacked at Pearl Harbor, rationing went into effect and car owners were limited to five tires. Other things were quickly added to the rationing list: bicycles, stoves, gas, coffee, butter and sugar.

Most homes had “Victory” gardens in the yard.

In 1946, rationing finally ended, and the use of the car increased. The first drive-in bank teller opened. We had punchboards instead of lottery tickets, and Slinkys and Tinkertoys, as well as Raggedy Ann and Andy dolls. If we had a phone, it was probably on a party line, and we had a number like SYcamore 4-0160 or 0551-J1.

The first computer (ENIAC) was built. It weighed 30 tons and took up 1,800 square feet. The first Roosevelt dime was issued (worth $1.20 today), and only 6,000 families owned television sets.

By 1952, nearly 17 million families owned televisions and we were introduced to TV dinners. We watched the debuts of “Dragnet” and “The Today Show,” and “The African Queen” and “It’s a Wonderful Life” at the movies.

The Roosevelt dime’s buying power went down to 83 cents.

Have you considered creating a memory book for the future generations of your family?

Matilda Charles regrets that she cannot personally answer reader questions, but will incorporate them into her column whenever possible.

Write to her in care of King Features Weekly Service, P.O. Box 536475, Orlando, FL 32853-6475, or send email to columnreply@gmail.com.

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The Community News Flash

Loud Snoring Can Signal Sleep Apnea DEAR DR. DONOHUE: I have sleep apnea. Before being treated by a sleep specialist, I was very sleepy during the day and had no energy. My specialist prescribed a mask that pumps air into my nose.

It helps somewhat. Later a friend told me about Provigil. It makes me feel much better, but I am not 100 percent. What else could help me?

— J.K. ANSWER: “Apnea” is Greek for “no breathing.” Sleep apnea is periods during sleep when a person stops breathing for 10 or more seconds.

There can be five to 30 or more such spells every hour. Quite often, an apneic period is preceded by snoring that gets progressively louder and louder. At the end of the no-breathing episode, the person grunts and half-wakens and then starts breathing again. This fragments sleep and leaves the person sleepy and without energy the next day.

The problem lies in a narrowed passageway for air as it travels through the throat en route to the lungs.

Redundant throat tissue blocks the natural airflow.

Weight loss is one way to get rid of excess throat tissue, if one is overweight. Don’t drink any alcohol from the evening meal on, because it relaxes throat tissue.

The mask you wear is called CPAP (continuous positive airway pressure). It delivers air under pressure so it can pass through the obstruction in the throat. Don’t abandon it.

You can ask your dentist about fash-

ioning a device that keeps the jaw forward during sleep. That opens the throat too. Stick with your Provigil, since it’s working for you.

There are a number of surgical procedures that can pare excess tissue from the back of the throat. And there is a new remedy called the Pillar Palatal Implant System. It consists of three small, plastic rods inserted into the back part of the upper palate to keep it propped up. For some, a droopy palate obstructs airflow.

Since you’re doing pretty well with the way things are going now, you might not want to upset things with any more treatment. *** DEAR DR. DONOHUE: I am a 68-year-old male in excellent health who exercises regularly, but I have trouble sleeping for more than five or six hours a night. To get the desired seven to eight hours of sleep, I’ve been taking a sleep aid (diphenhydramine), and have not noticed any unpleasant side effects.

Are there any long-term problems with taking this sleep aid on a frequent basis? — S.P. ANSWER: Diphenhydramine is one of the first antihistamines to be marketed. One brand name is Benadryl. Sleepiness is a side effect of most of the early antihistamines. In other words, you take the medicine for its side effect of drowsiness.

Millions of people have taken this drug since it was first marketed. You can take it on a regular basis.

Why are you convinced that six hours of sleep is insufficient for you?

Do you feel tired during the day with only six hours? If you feel fine or if you take a nap during the day, that might be all the sleep you actually need. *** Dr. Donohue regrets that he is unable to answer individual letters, but he will incorporate them in his column whenever possible. Readers may write him or request an order form of available health newsletters at P.O. Box 536475, Orlando, FL 32853-6475. © 2011 North America Synd., Inc. All Rights Reserved

Patterson Memorial Chapel 125 South Franklin Street Corinth, MS 38834 662-286-2200 Office

Save money. Live better Open 6am - 11pm

2301 Harper Rd. Corinth, Ms. 38834 662.287.3148 Visit us on Facebook at WalmartCorinth105 or

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The Community News Flash

September 2024

First Things First

It was spring in the year 2001 when my then-ten-year-old daughter and I boarded a plane from California to Arizona. This was her first flight and the beginning of our travels together over the next eight years.

I’ll never forget that trip, as we never forget our firsts in life.

She pulled her new childsize rolling carryon suitcase and was wearing her white skirt, navy blue blouse, and a classic straw-brimmed hat with a blue ribbon around the rim. I can’t tell you what I was wearing, but I can remember every detail about her. I was hurried, a little stressed, like most moms are.

It was a weekend business trip for me, but I was allowed to bring my daughter. My boss, the doctor I was working for, hired a nanny to take care of his children while we were in classes and meetings. After classes, we planned adventures at and around the resort.

Twenty-two years later, I remember something about that trip—something that I struggled with then and in the

years that followed. This something has become a metaphor, a symbol, a North Star of my life.

We boarded the plane, found our seats, fastened our seatbelts, and shortly began to taxi the long runway. It was then that the flight attendants began their safety demonstration—the same one I heard many times before. This time was different. When the words, “If you're traveling with children, put your oxygen mask on first and then that of your child's, came through the airplane's sound system, I was stunned. Had I never heard the words before—all those previous flights I took alone? Is it now that I’m truly hearing them because my child is sitting in the seat next to me for the first time? I was almost angry at such a thought; she was first, my family was first, my friends first, this first, that first.

She's an adult now—a mother herself.

And since that day, our first flight together, I have learned the wisdom of “put your oxygen mask on first and then your child's.” How can we help, support, or nurture others when we are depleted? How can I breathe air into life if I don’t have air of my own? How can we love others if we do not even love ourselves? And so, I say to you: help yourself so that you can help others. Put your oxygen mask on first.

“The main purpose of life is to live rightly, think rightly, act rightly. The soul must languish when we give all our thought to the body.”

-Mahatma Gandhi

Why We Languish

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f you’ve lived long enough to have asked yourself the question “Is this all there is?” then you probably know the feeling of languishing. The feeling that nothing really matters can come despite everything seemingly going well in your life. You may have a good job, supportive and loving family and friends, and yet something is missing. We sometimes lose the zest we once had for life and are driven into what philosophers call existential despair. We start asking ourselves why we are doing what we’re doing, and things that once gave us pleasure no longer do. We contrast this state with that of flourishing, when we have a zest for life and are engaged with our work and our play. When we languish, we have trouble engaging with life and may start to feel like our life is fading away. There are many ways to look at this problem, but perhaps the most crucial is to realize that the work we do matters, and that the work of our lives in a general sense is to become excellent human beings. What this means is by no means obvious, but it generally comes down to serving our fellow human beings and working and living in a way that serves others.

So if you’re languishing, take a look at your life and try to regain a sense that what you do matters. If it doesn’t matter, then you need to change what you are doing.

–Christopher Simon

September 2024

The Community News Flash

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Investing in the HBCU Community Offers a Bright Future (StatePoint) At a time of declining enrollment and rising college costs, extra support of historically Black colleges and universities (HBCUs) can give more young people a chance at a bright future.

“HBCUs nurture the success of tomorrow’s leaders. That’s why investing in the HBCU community is critically important,” says Dewey Norwood, senior diversity and inclusion consultant and HBCU strategy lead at Wells Fargo.

In fact, since 2011, Wells Fargo has provided more than $40 million directly to HBCUs and to organizations that support them, including the United Negro College Fund, the Thurgood Marshall College Fund and the Jackie Robinson Foundation. And this fall, Wells Fargo will be continuing a spate of initiatives and launching additional ones all with the goal of helping HBCUs, their students, and their broader communities thrive. Here’s what to know: Preparing for kick-off with HBCU Football Classics: For the third year in a row, Wells Fargo will serve as the official banking sponsor of several football games, including the following: Orange Blossom Classic (Miami, FL) on September 1: North Carolina Central University vs. Alabama State University HBCU NY Classic (East Rutherford, NJ) on September 14: Howard University vs.

Morehouse College Florida Classic (Orlando, FL) on November 23: Florida A&M University vs. Bethune Cookman University Bayou Classic (New Orleans, LA) on November 30: Southern University vs.

Grambling State University As part of sponsoring four games this year, Wells Fargo will offer virtual webinar workshops on such topics as financial health, housing opportunities, leveraging name, image and likeness (NIL) opportunities for college athletes, paying for college, small business and entrepreneurship education, recruiting and talent acquisition, estate planning, and elder fraud prevention. Workshops are open to all students, alumni and fans looking to advance their financial knowledge or grow their business. On the ground at each event, Wells Fargo will have an interactive booth set-up at the fan-fest events.

Employees will be able to engage with fans before the games to provide information about Wells Fargo, including career opportunities, in a fun environment.

Customizing financial education for student-athletes: Game Plan, the comprehensive,

Pastor Appreciation Month “Dear brothers and sisters, honor those who are your leaders in the Lord’s work. They work hard among you and give you spiritual guidance. Show them great respect and wholehearted love because of their work. And live peacefully with each other.” 1 Thessalonians 5:12-13

(c) MangoStar_Studio / iStock via Getty Images Plus

intuitive mobile-first learning management system built by student-athletes for student-athletes, offers free financial education to all 1,200 American collegiate athletic departments – including those at 107 HBCUs, courtesy of Wells Fargo.

“HBCU student-athletes are expected to juggle classes, games, practices, meetings and other commitments. Making educational content critical to their life skills development available in one easy-to-access digital platform is helping position students for future financial success,” says Norwood.

Show your HBCU pride: HBCU supporters can show off their fandom by customizing their Wells Fargo debit card for free with their favorite HBCU design through the bank’s HBCU Legends Collection. Honoring the rich heritage of the nation’s iconic HBCUs, the collection currently features 44 designs.

Insights and advice: Wells Fargo supports HBCUs by serving as a resource for parents and students. Check out their tips for paying for school: 1. Seek external scholarships. Scholarship opportunities abound, including those aimed at supporting Black students and other diverse demographics.

2. Don’t be dissuaded by sticker shock.

Filling out the FAFSA each year can help your family potentially access thousands of dollars in financial aid.

3. Exhaust all options. Before taking out a student loan, consider other possibilities first, including the school’s financial aid package and private grants. The goal is to graduate with as little debt as possible.

More insights can be found at https://stories. wf.com/how-to-pay-for-college.

“Initiatives that support students throughout their college journey provide pathways to career success that will strengthen the HBCU community now and in the future,” says Norwood.

October is Pastor Appreciation Month. How do you celebrate your pastor? How do you show the pastor that you care? Looking for ways to show appreciation for your pastor? We're here to help! Here at the Community News Flash we believe in the significant role that pastors play in the local church and community; therefore, we gladly celebrate and promote Pastor Appreciation Month. We would like to allow your church or organization the opportunity to uplift and encourage your pastor by placing a special ad honoring your pastor during Pastor Appreciation Month.

Please see attached pages for ad samples, sizes and price information. Don’t see what you're looking for, we will help build your ad at no additional cost!

All advertising information should be submitted by Monday, September 30th.

For additional information, please contact our advertising department by calling 662-643-6842 or emailing read.newsflash@gmail.com.

Sincerely, Jerry W. Porter Publisher

Congratulations Class of 2024

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September 2024

The Community News Flash

Poetry opens the door to healing and happiness for the author and others

By Lucy Weber Breuna Walker shares her journey of self-discovery and healing in her first book of poetry.

Published in July, “Heartstrings and Reflections” is “more than words on a page but pieces of my heart,” she said.

After losing her job in February, the Corinth resident experienced a series of ups and downs and a wave of so many different feelings. Walker, who has always been creative, felt that turning to poetry for the first time was the best way to express herself.

“It was very therapeutic,” she said.

Walker said she poured her joy, pain, love, and loss into her words that she realized would be a book of poems that could help others experiencing similar emotions begin healing.

Not all the poems reflect Walker’s feelings at the time, but they show her desire to help those who can’t express what they are suffering. “Not all the poems are about me,” she said. “A lot of people don’t feel their inner child, but they need to learn to love themselves. It’s crucial for healing.”

Walker experiences deep feelings, not only for herself but also for others. “I’m an empath, so I feel a lot,” she said, adding that she can contact a friend just knowing they need her, and the friend will reply, “How did you know to check on me?”

Writing and sharing her poetry have meant so much to Walker. “I feel much better. I’m making sure that I’m taking

Breuna Walker

care of myself mentally and physically. I’m still healing, but you have to understand that everyone has good and bad days.”

“Heartstrings and Reflections” is divided into two parts.

The first part examines self-discovery and finding a path forward for anyone questioning their self-worth or finding their own path. The Reflections part looks at loss and discovering solace through the journey.

Walker’s advice to those struggling like she did is to “allow yourself to experience the emotions. If you suppress it, it will get worse. Find creative outlets. We all have bad days, but you can’t stay there.”

This first book of poetry can be found on Amazon (paperback and Kindle), Google Play, and other outlets. Walker said the easiest way to order a copy is to visit her Facebook page, Sincerely Breuna, to find all the details. There is also a public Facebook group page called Heartache to Healing for her and her followers to share thoughts, emotions, and ideas.

Walker’s next book of poetry will be published on Oct. 15 on Amazon only. It is called “mental warfare.”

“I decided to write a second book because people don’t understand mental health issues. In the first section, each poem is named after an illness I’m addressing in a poetic way. In the second part, the poems are about finding gratitude for those with mental illness. You deserve to be happy.”

After receiving a warm reception for her first poetry collection, “I think people will love this second book,” she said.

Your Voice, Your Vote: Don’t Let Silence Speak for You! As we approach the 2024 election, it's more important than ever to remember the power we hold in our hands. Voting isn't just a right; it's a responsibility. If we choose not to vote, we also choose to silence our voice on the issues that matter most to us. And if we don't use our voice at the ballot box, can we really complain about the decisions that are made without our input?

Our vote is our chance to shape the future, to stand up for what we believe in, and to make our community, our state, and our country better for everyone. So let's take that step, cast our votes, and be proud to know that we've done our part. Because in the end, if we don't vote, we lose the right to complain.

Make your voice heard. Vote in the 2024 election.

September 2024

The Community News Flash

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Williams writes the code for a good life with a successful career and close family

By Lucy Weber Camilla Patterson Williams learned the code for a happy life through working in healthcare.

Williams, known to her friends as Mill, graduated from Corinth High School in 1982 and earned her degree at Northeast Community College in administration and personnel. During her entire career, she has worked behind the scenes in healthcare, ensuring that patients are treated fairly and responsibly.

“I have 40 years of being in health care. I love my job. It keeps me motivated,” she said.

Her various jobs have taken her from Magnolia Hospital in Corinth to Memphis to Vanderbilt Medical Center in Nashville and to the U.S. Department of Veterans Affairs now in Fayetteville, North Carolina. Even though she is physically located in North Carolina, her work days are zoomed into Seattle, Washington.

Williams branched out during her career, adding more skills to her healthcare resume. During her years in

flexibility,” she said. Williams is happy Nashville, she became a certified to share her wisdom when coders in professional coder, who plays the Seattle office ask her for help and a critical role in healthcare. A advice. coder is a “second eye for Williams is a devoted mom to her any provider who makes son Joshua, who lives in South sure patients are not Carolina with her 6-year-old grandovercharged,” she daughter Grace, and her younger son said.

Elijah in nearby Raleigh, N.C. “I love Williams has also taught being a granny. She keeps me busy.” coding at a career college.

A dedicated beach lover, “It’s rewarding.”

Williams is also active in her Working with the church, Mt. Olive Baptist, VA in Seattle since and in the Eastern Star, 2017, Williams works where she’s been a past 10.5-hour days, four chapter secretary and days a week, from a past president. home. “I’ve never “I love helping in been to Seattle, but I my community as have told them I much as I can,” would love to come Williams said. out and see them,” Williams is she said. close to her aunt A self-starter, and cousin in Rienzi, Williams begins her thanking them for days before it’s dawn “always having a listenin Seattle. “I love the Camilla Patterson Williams

Suits You Too Mobile

"We've gone Mobile"

ing ear and providing support anytime of the day and any day I’ve spoken to you two during my trials and tribulations that have transpired.”

Williams said she is looking forward to visiting now that she has a new hip that cured a lingering medical issue.

“I’ve told my classmates that when we have a reunion, I’m ready to come.”

Her outlook on life is refreshing.

“Now that God has blessed me to become a seasoned senior,” she said.

“The road of life we travel will have many potholes, cracks, many curves, road detours, and road blocks; however, keep praying to God. Keep trusting in God, believing in God, loving God, and knowing that the past traveled roads will come to pass. The straight, paved roads will come sooner than you think, and God can and will do it. Be aware of discernment all along the way. God will show you who is really who during this journey in life. No matter what the situation is, God provides.”

We Want You! Fatherhood Initiative Program Would you like to become a better father?

We are looking for fathers who would be interested in becoming “Team Parents” by dedicating a minimum number of hours with their children in order to become more involved in their lives. We will attempt to make a positive influence in the life of a father.

Certified Fatherhood/Male Involement Trainer Since 2001 Now to him who is able to do immeasurably more than all we ask or imagine, according to his power that is at work within us, Ephesians 3:20

To set up Workshops/Seminars Call or Email Jerry Porter at: 662-643-6842 or read.newflash@gmail.com

10

The Community News Flash

Helping Your Child Overcome Trauma and Thrive (StatePoint) Life can be complicated and unpredictable. And while there is no such thing as a “perfect parent,” there are strategies that can help your child become better able to deal with difficult circumstances as they arise.

Known in the pediatric community as Adverse Childhood Experiences, traumatic circumstances like death, divorce and poverty cause children stress, which over time, can become toxic, impacting a child’s health now, and potentially in the future. In fact, adults who’ve experienced one or more adverse experiences as a child or who are exposed to ongoing chronic social inequities over time are at higher risk of depression, cancer, heart disease, diabetes and other health conditions during their lifetime.

On the other hand, safe, stable, and nurturing relationships can act as a powerful, protective buffer against the biological harms of toxic stress on children and are key to building resilience, according to the American Academy of Pediatrics (AAP). When children feel connected and supported in the early years, says a newly updated AAP report, they are more likely to become healthy, competent and educated citizens later in life.

“One of the most important ways to strengthen a child’s resilience is to spark moments of connection. This may be through shared book reading, for example, or participating in family routines and community traditions.

(c) Userba011d64_201/ iStock via Getty Images Plus

Relational health is key to combating adversity, and promoting skills like collaboration, connection and communication that are essential to help children develop resilience and thrive,” said Dr. Nerissa Bauer, a pediatrician who specializes in behavioral health.

After troubling events, the AAP says to remember the 3 Rs: reassure, return to routine and regulate: 1. Reassure. Remind your child that they are safe and loved, using words and touch and by creating safe spaces in the home.

2. Return to routine. Try to maintain regular daily routines and be sure to explain any changes in the schedule ahead of time.

This can promote a sense of safety and normalcy for your child and let them know what to expect.

3. Regulate. Help your child learn “self-regulation” skills to calm themselves and manage their emotions and behaviors.

This may include belly breathing, stretching or taking breaks.

Dr. Bauer also recommends turning to your pediatrician when parenthood gets challenging.

Pediatricians are trained to not only monitor your

child’s physical growth, but also their social-emotional health. They can help your family build a support system?whether a child is relatively healthy, has ongoing developmental or behavioral concerns, or if your family is going through hard times.

Pediatricians also want to know how parents and household members are doing and if they feel supported. At appointments, your pediatrician may invite you to share stories about your family life and the daily stresses and struggles of parenting, as well as ask about your own childhood experiences and current living circumstances.

So, bring your questions and concerns.

The American Academy of Pediatrics provides tips and guidance on improving relational health, and helping children build resilience and cope with trauma. To learn more, visit healthychildren.org.

“We want to ensure all children and their families have the resources and skills needed to thrive,” Dr. Bauer said. “Pediatricians will always be ready to listen, without judgment and with compassion.”

September 2024

“Empty your mind, be formless. Shapeless, like water. If you put water into a cup it becomes the cup. You put water into a bottle and it becomes the bottle. You put it in a teapot, it becomes the teapot. Now, water can flow or it can crash. Be like water, my friend.” -Bruce Lee

Be Like Water

W

ater is interesting in that it changes form to accommodate whatever environment it is in. When it is cold, it turns to ice and when hot it turns to vapor, coming back as water in the form of rain. It also takes on the shape of whatever container it is put into and flows naturally in whatever channels it finds itself in. We can learn a lot from water. First and foremost, it helps to go with the flow. It’s easier to paddle downstream than upstream. In life this usually means to go with the consensus and don’t fight nature. For instance, in choosing a career or field of study, it’s best to go with what you’re naturally good at and enjoy doing. But the fact that water can also change its state from liquid to solid or gas (and can even go from solid to gas via a process called sublimation) tells us that we ought to be willing to make changes when necessary. You may abhor working on the computer or using the latest technology but your chosen field may require it. In that case you might need to get with the program and make some fundamental changes, embracing the change.

–Christopher Simon

September 2024

The Community News Flash

NEWS FLASH Kids Zone

11

September 2024

The Community News Flash

12

Basting Basics

Basting meats and vegetables with a marinade is one of the best ways to infuse a dish with flavor.

What does "marinade" or "marinate" mean? A marinade is a seasoned liquid mixture that adds flavor and in some cases helps tenderize tough cuts of meat. Some marinades are homemade mixtures. Other times they are bottled dressings or sauces.

Marinate also means to steep the food in a marinade. If the meat is a tender cut, marinate it for a short

time, no more than 30 minutes, or you'll have a mushy, soft entree! For tougher cuts of meat, marinade for 8 to 12 hours in the refrigerator.

Whenever you decide to use a marinade on meats, place it in a re-sealable bag on a plate in the refrigerator. If your recipe calls for basting the meat with a marinade as it cooks, reserve some of the marinade that has NOT been in contact with the raw meat to use as a basting sauce.

Otherwise, you are contaminating cooked meat with raw meat juices -- a food-safety NO-NO. Never use the same basting brush on raw meat and cooked meat.

To prevent cross-contamination, try applying the

pork, beef and vegetables.

It's inexpensive to make and enhances the flavor of grilled meats and vegetables.

MULTI-PURPOSE BASTING SAUCE 3/4 cup wine vinegar 3 tablespoons cooking oil

marinade with a spray bottle or a bottle with a squirt top.

The same contamination can happen when the plate that held the raw meat is used for transporting the cooked meat. Also avoid using the fork or turner that

touched the raw meat to turn or check the cooked meat. It's best to use a different kitchen utensil each time, or rinse it with warm soapy water between uses.

This recipe for MultiPurpose Basting sauce is delicious on chicken, fish,

3 tablespoons finely chopped green peppers 1 tablespoon salt (optional) 1 can (6 ounce) frozen pineapple juice concentrate 1/2 cup dark brown sugar 1 1/2 teaspoons soy sauce (optional) Combine all ingredients and simmer for 15 minutes or until mixture thickens slightly. Cool and seal any

remaining marinade in an air-tight container, and refrigerate it for up to 2 weeks.

Before grilling, allow marinated meat to sit out at room temperature for 30 minutes. Cook the meat on medium coals or heat.

Baste on each side the last 15 minutes of cooking. If you use this sauce as a marinade, turn the meat frequently to prevent burning, as the sugar content is high and browns (and burns) easily. Makes about 25 (4 1/2 ounce) portions.

(Additional info provided

by Karma Metzgar, C.F.C.S., regional director, Northwest Region, University of Missouri Extension)

Come See Us For Your Tailgate Needs.

September 2024

The Community News Flash

By Samantha Weaver

• A trio of sewing tips from S.R. in Idaho: 1. “Store patterns in plastic baggies. It’s hard to get them back into their envelopes, and I find that the baggies store just as well. 2. I keep my pattern from tearing by spraying them with spray starch. 3. I also sharpen needles by stitching through very fine sandpaper. These tips have worked for me for many years.”

• “It’s almost time for Scouts to start up again. I have been washing uniforms and sashes, and find this trick to be helpful when it comes time to stitch on badges. Put a bit of plain school glue on the back of your badge, place it where you want it on the sash, then let it dry. It will stay in place long enough to stitch the edges.

When you launder it, the glue will wash right out.” — R.D. in Florida • Solve the case of the tricky screw: Coat problem screws with clear fingernail polish right before you insert them. They will hold tightly after that.

• To keep hair shiny and soft, rinse weekly with a 50-50 mix of vinegar (apple cider or white) and water. The smell goes away quickly, but the softness and shine stick around.

• If you have a cracked or otherwise leaking vase that is opaque (not glass), try heating a bit of paraffin wax and coating the inside of the vase with it. Let it harden, and it should be watertight again.

• “To keep plywood or thin materials from splitting, I tape my cut line with low-tack masking tape. It keeps my cut sharp, reduces the fraying and it’s easy to remove when I’m done.”

— G.S. in Minnesota Send your tips to Now Here’s a Tip, c/o King Features Weekly Service, P.O. Box 536475, Orlando, FL 32853-6475 or e-mail JoAnn at heresatip@yahoo.com.

• It was way back in the 17th century when noted Scottish scholar Patrick Young made the following sage observation: “The trouble with weather forecasting is that it’s right too often for us to ignore it and wrong too often for us to rely on it.”

• About once a week, a frog will shed its skin. Then eat it.

• If you’ve watched many old Westerns, you’ve doubtless seen Native Americans scalping their enemies.

You probably don’t realize, though, that the brutal practice didn’t originate with the Indians. When the Dutch and English settlers were trying to clear out the natives, they were paid a bounty for each scalp they brought back. The Native Americans adopted the practice only after the Europeans’ arrival on the continent.

• The country’s first pizzeria opened in 1895 in, unsurprisingly, New York City.

• Those who study such things say that 70 percent of Americans have visited either Disneyland, in California, or Disney World, in Florida.

• If you want to have an especially memorable — and chilly — vacation, consider heading to Finnish Lapland.

There, more than 150 miles north of the Arctic Circle, you can stay at the Kakslauttanen Hotel. The quarters aren’t luxurious, but the sights are amazing. All the accommodations are geodesic glass igloos, offering amazing views of the aurora borealis.

• Are you a snollygoster? If so, you’re shrewd, which isn’t a bad thing, but you’re also rather lacking in principles.

• When Andrew Jackson was running for president in 1828, his opponents called him a stubborn jackass. Jackson was proud that he was known for obstinately sticking to his guns, so he started using the image of a donkey on his campaign materials.

The Democrats have been using that symbol ever since. *** Thought for the Day: “Everyone, in some small sacred sanctuary of the self, is nuts.” — Leo Rosten

13

September 2024

The Community News Flash

14

Tips for Older Americans to Protect Themselves Against Scams (StatePoint) Scammers are getting better at what they do all the time. According to the Data Book, Americans reported losing $10 billion to scams in 2023, a full $1 billion more than in 2022. While anyone can be a victim, elderly people are often targeted, as they are presumed to have more savings.

According to CERTIFIED FINANCIAL PLANNER® professionals, you can help safeguard your financial future with these tips: Slow Down From romance scams to debt and IRS scams, many scammers use emotional appeals to scare or charm their victims into giving up personal information or their money. Before acting, take a deep breath and speak to a trusted friend or relative who may be able to help you spot a potential scam. Remember that the IRS initiates contact only through the U.S. mail, not via email, text or social media.

You can also do a bit of investigative work yourself. For example, if you receive an email claiming to be your bank or another institution asking you to click on a link, first make sure the request is legitimate. Do the return address and URL look right? Are there spelling errors? If you’re contacted by text or with a phone call, look up the number of the bank or company and call them back directly, not with the number provided.

Be Choosy As you age, it’s common to enlist friends and family to help you make financial decisions and with everyday administrative tasks, like paying your taxes or your bills. Select who has access to your sensitive documents and online accounts carefully.

Also, never leave bills, statements and other identifying information lying around. You

Grilled Ratatouille Pasta

(c) PIKSEL / iStock via Getty Images Plus

may want to invest in a paper shredder or a file cabinet with a lock so you can dispose of and store documents carefully. You should also ensure all your online accounts have strong passwords that are known only to you.

Finally, consider setting up automatic bill payments. This not only has the benefit of keeping you up-to-date on payments and helping you avoid late fees, it will also reduce the amount of sensitive paperwork you have in your home and receive by mail.

Seek Assistance If you are the victim of identity theft or another scam, a CFP® professional can help you recover with a smart financial plan. They can also help you avoid becoming a victim in the first place by helping you monitor your accounts and by setting up notifications from your financial institutions when suspicious activity is detected.

As a fiduciary, they have an ethical obligation to work in your best interests at all times and can be a valuable member of your money team. To find a CFP® professional near you, visit letsmakeaplan.org.

It’s easy to think identity fraud and other financial abuse is something that happens only to other people. But scam tactics are becoming more sophisticated, and anyone can be targeted. The best defense is staying abreast of the latest tactics and arming yourself with the assistance of trusted advocates.

Blueberry-Raspberry Summer Pie When you combine fresh blueberries and raspberries, you combine much more than berries. You combine magic!

1 (4-serving) package sugarfree vanilla cook-and-serve pudding mix 1 (4-serving) package sugarfree raspberry gelatin 1 1/4 cups diet lemon-lime soda pop 1/4 teaspoon ground cinnamon 2 1/4 cups fresh blueberries 3/4 cup fresh red raspberries 1 (6-ounce) purchased graham cracker pie crust 2 (2 1/2-inch) graham cracker squares, made into crumbs 1/2 cup reduced-calorie whipped topping 1. In a large saucepan, combine dry pudding mix, dry gelatin and soda pop. Cook over medium heat until mixture thickens and starts to boil, stirring often. Remove from heat.

Stir in cinnamon. Add blueberries and raspberries. Mix gently just to combine.

2. Spoon hot mixture into pie crust.

Evenly sprinkle graham cracker crumbs over top. Refrigerate for at least 1 hour. When serving, top each piece with 1 tablespoon whipped topping. Makes 8 servings.

• Each serving equals: 162 calories, 6g fat, 1g protein, 26g carb., 213mg sodium, 2g fiber; Diabetic Exchanges: 1 Starch, 1 Fat, 1/2 Fruit.

This unique take on ratatouille allows you pair that delicious summertime grilled flavor with pasta!

Salt Pepper 3 tablespoons red wine vinegar 3 tablespoons extra-virgin olive oil 2 cloves garlic, crushed with press 1 medium red onion 2 medium zucchini 1 large eggplant 2 large orange or yellow peppers, quartered 1 pound (about 4) ripe plum tomatoes, cut lengthwise in half 1 pound gemelli or elbow pasta 1 tablespoon Dijon mustard 2 tablespoons chopped fresh flat-leaf parsley leaves 1. Prepare outdoor grill for direct grilling on medium-high. Heat covered 6-quart pot of water to boiling on high. Add 2 teaspoons salt.

2. In small bowl, whisk vinegar, oil and garlic.

3. Cut onion crosswise into 1/2inch-thick slices. Trim zucchini and eggplant; cut diagonally into 1/2inch-thick slices. Brush half of vinegar mixture on one side of onion, zucchini, eggplant, peppers and tomatoes.

4. Grill tomatoes 6 minutes, zucchini and eggplant 10 minutes, and peppers and onion 12 minutes, or until all vegetables are tender and charred, turning over once. Transfer vegetables to cutting board. Cool slightly, then cut into 1/2 inch pieces.

5. Meanwhile, cook pasta in boiling water as label directs. Drain; return to pot.

6. Stir mustard into remaining vinegar mixture. Toss with pasta along with parsley, vegetables, 3/4 teaspoon salt and 1/4 teaspoon black pepper. Serves 6. ? Each serving: About 425 calories, 9g total fat (1g saturated), 0mg cholesterol, 465mg sodium, 75g total carbohydrate, 9g dietary fiber, 14g protein.

For thousands of triple-tested recipes, visit our website at www.goodhousekeeping.com/recipefinder/.

1. MONEY: What country’s currency is the baht?

2. LITERATURE: What famous adventure novelist was born with the name John Chaney?

3. BIBLE: Which Old Testament figure’s name means “laughter” in Hebrew?

4. HISTORY: What city was the capital of Russia from 1712 to 1918?

5.

GENERAL KNOWLEDGE: When was Al Capone imprisoned for tax evasion?

6. MYTHOLOGY: Where was King Arthur buried, according to the myth?

7. GEOGRAPHY: Where does the Horn of Africa lie?

8. ANIMAL KINGDOM: What kind of poisonous arachnid also is referred to as a “violin” or “brown fiddler” spider?

9. LANGUAGE: What is another way to describe someone who is “perfidious”?

10. MOVIES: What is the last name of “Dirty Harry,” the character played

by Clint Eastwood?

Answers 1. Thailand 2. Jack London 3. Isaac 4. St. Petersburg 5. 1931 6. The isle of Avalon 7. East Africa 8. The brown recluse spider 9. Treacherous 10. Callahan

1. Entering 2011, how many times had Jim Thome tallied at least 20 home runs in a season?

2. Name the last international team before Japan in 2010 to win the Little League World Series.

3. In 1976-77 and 1986-87, the Tampa Bay Buccaneers had the No. 1 overall draft pick each year. Name three of the four players selected.

4. Tom Izzo is the longest-serving Big Ten men’s basketball head coach, having led Michigan State since 1995.

Who is second in Big Ten tenure?

5. Who was the oldest NHL player to get his first hat trick before 40year-old Nicklas Lidstrom of Detroit did it in 2010?

6. When swimmer Michael Phelps won his 16th career Olympic medal during the 2008 Summer Games, whose record did he break for men’s total medals?

7. In 2011, Rory McIlroy became the youngest golfer (21) to hold at least a share of the lead after the first day of the Masters. Who had held the mark?

Answers 1. Sixteen of 20 seasons entering 2011.

2. Curacao, in 2004.

3. Lee Roy Selmon (1976), Ricky Bell (‘77), Bo Jackson (‘86) and Vinny Testaverde (‘87).

4. Bill Carmody has been the head coach at Northwestern since 2000.

5. St. Louis’ Scott Mellanby was 36 when he got his first hat trick in 2003.

6. Russian gymnast Nikolai Andrianov.

7. Seve Ballesteros was 23 when he did it in 1980.

September 2024

The Community News Flash

MONEY

15

MONEY

Why Anxiety, Dishonesty and Evasion Are Everything You Need to Know About So Common Where Money is Concerned Borrowing Money for College

(c) monkeybusinessimages / iStock via Getty Images Plus

(c) marchmeena29 / iStock via Getty Images Plus

(StatePoint) A new survey suggests that while consumers are decreasing their spending to get by in the current economy, they harbor some anxieties and are struggling to improve their approach to money management.

The inaugural “Wells Fargo Money Study” surveyed American adults and teens to uncover candid truths about their current finances, money stories, personal goals and other issues related to their attitudes toward money.

One overarching theme to the findings is that complicated emotions and money often go hand-in-hand. Americans are worried about money and for many, these concerns began at a young age. More than two-thirds of adults worry about money and over half of teens do.

What’s more, many people reported feeling embarrassed, judged and overfocused on the subject. Some even admitted that money created tension in their family and relationships. At the same time, money is a subject that most Americans attempt to avoid. Up to two-thirds are reluctant to talk about money, four out of five regard it as a private topic, and most Americans say it’s harder to talk about than religion, politics or death.

Up to one-third of all those surveyed say they have lied about their money. And among teens, half confess they have lied about how much they spend.

The good news? While money anxieties, and some not so positive habits are common, Americans remain optimistic about where their money stories are heading and believe there are solutions to helping them make improvements. Large majorities of respondents say they would value help from their bank in being more intentional and thoughtful about their spending, and in aligning their choices with their values. Most of those surveyed also see their bank as a potential source of education on financial subjects.

With nearly half of Americans seeking support in the form

of ideas for improving their situation, along with ways to plan, envision and map out the future, and nearly one-fifth of Americans valuing technology solutions that simplify money management, tools like LifeSync in the Wells Fargo mobile app are meeting consumers where they are. This app allows users to create and personalize their goals and track their progress. It also offers financial snapshots, allowing users to view their account summary and FICO Score at the touch of the button, and provides market commentary, tailored insights and other content that can inspire smart decisions and a new approach to finances.

For additional survey insights, visit sites.wf.com/wfmoneystudy.

“The data tells us that Americans – no matter who they are – are uncertain about the sustainability of their financial lives.

However, making small, incremental changes can help you accomplish your financial goals, and become more open and honest about your money habits,” says Michael Liersch, head of Advice and Planning for Wells Fargo.

Investment and Insurance Products are: • Not Insured by the FDIC or Any Federal Government Agency • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate • Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested ©2024 Wells Fargo Wealth & Investment Management. All rights reserved.

LifeSync® is available on the smartphone versions of the Wells Fargo Mobile® app. Additional device availability may vary. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

(StatePoint) College-related costs are at an all-time high, and while many parents harbor concerns about the expense, they value the education their child is receiving.

That’s according to the April 2024 College Ave survey. The survey found that while 89% of parents of four-year college students believe a college degree is important for their child’s future, 78% agree that paying for college is stressful.

“Families today are relying on a mix of sources to fund college, including scholarships, federal aid and grants, income and savings, and in some cases, private student loans,” says Angela Colatriano, chief marketing officer, College Ave. According to Colatriano, it’s critical to understand the ins and outs of borrowing for college before taking out a loan. If you believe your family will take this path, here’s everything you need to know: 1. Exhaust other options. Many experts agree that private loans only make sense once other financial aid options are exhausted. After filing the FAFSA (Free Application for Federal Student Aid), you’ll receive a financial aid package from each school, which may include scholarships, grants and federal student loans. If your selected school is one of the 400 institutions that requires the CSS profile, submit that application, too to qualify for institutional aid. And of course, don’t forget to apply to private scholarships to access funds that don’t need to be repaid.

2. Do the math. Federal student loans in the student’s name offer unique benefits, so if you do need to borrow, start

there. If you decide that a private student loan or private parent loan is also right for your family, borrow only the minimum amount needed to save over the life of the loan. This is a good time to explore additional avenues for reducing your financing needs, such as renting textbooks, and buying groceries versus paying into the school meal plan.

3. Understand loan costs. Unlike federal loans, which have fixed interest rates for all borrowers, private student loans offer a choice of fixed or variable interest rates. Shop around for a lender that doesn’t charge origination fees, and learn the difference between fixed and variable interest rates. Use CollegeAve.com’s student loan calculator to get a sense of the overall cost of a given loan and its monthly loan payments.

4. Compare lender repayment options.

Another factor to consider when shopping for a lender is repayment terms. Some lenders, like College Ave, let borrowers choose how long they want to repay their loan, and whether to start making payments immediately or defer until after graduation. The important thing is to select a loan with budget-friendly terms and a monthly payment you can live with.

5. Apply with a cosigner. Private student loan lenders look at income and credit history to determine a student’s ability to repay the loan. If approved, their credit history also impacts the interest rate they’re offered. Many college students don’t have an established credit history or sufficient income and may not get approved for a private loan on their own.

Your student can improve their chances of getting approved and securing a lower interest rate by adding a cosigner to their loan application. The cosigner should understand that they share equal responsibility for repayment if the student falls behind on payments.

Bottom line? Researching financial aid options, applying for scholarships and being a strategic borrower can help your family get on with what matters most: preparing for a bright future.

September 2024

The Community News Flash

16

Women Business Owners Lead with Passion and Optimism for Success

(c) nortonrsx / iStock via Getty Images Plus

(StatePoint) Passion, collaboration and community are keys to running a successful business. That’s according to a recent survey of women business leaders as part of PNC’s bi-annual Economic Outlook Survey.

Passion and personal satisfaction for their business or industry is a top factor women business leaders cited for starting and staying in business, with 43% of respondents choosing that over financial success (35%) – the next most common factor. This passion was one key dif-

ferentiator between women and men business leaders, with only 28% of men reporting personal satisfaction as a primary driver of staying in business.

“For many women business owners, starting and running a business is born out of a personal interest or an opportunity to make a difference in the community,” said Shana PetersonSheptak, head of Business Banking at PNC. “That’s not at the expense of profitability, but it shows the power of being passionate or satisfied with what you do.”

Positive Outlook Respondents noted more than just passion for their businesses, though; they also reported optimism about the next six months, both for the economy and the success of their ventures.

Women leaders were more likely than men to expect increases in demand (51% to 49%), sales (51% to 49%), prices of their goods and services (49% to 40%), and profits (52% to 43%) in the coming months. They also were more likely to expect their own compensation and retirement savings to increase – a significant change since PNC’s Fall 2022 survey when women leaders were less likely than men to expect increases in those two metrics.

While both women and men leaders were highly optimistic about their near-term prospects for their business, women were significantly more likely to express confidence in the national and local economies than men, 64% to 51% and 72% to 60% respectively. Of those who expressed greater optimism for their business prospects than the national economy as a whole, nearly 80% of women leaders attributed their optimism to confidence in their own abilities.

“Better than expected economic performance in the first part of 2024 is creating optimism for many business leaders as a whole,” PetersonSheptak said. “But women are especially confident that both their businesses will be successful in the coming months and their abilities as leaders will help make them so.”

Providing Support There are significant differences between men and women in terms of what they feel they need to succeed and how they prefer to receive support, according to the latest survey results.

While peers in the field are the most popular form of support for both women and men business leaders (64% to 69%, respectively), women indicate they are more likely to consider support from community, friends and family vital to

their business success than men (62% to 41%).

That support extends to banking relationships. PNC survey feedback has shown that women financial decision makers seek out relationships that extend beyond banking products and services to include financial education and community connections.

PNC cultivates relationships with women financial decision makers in many ways, including through the local cross line of business market teams led by PNC’s more than 50 regional presidents coast to coast. Central to this yearround engagement is the company’s network of more than 5,000 PNC-certified Women’s Business Advocates who share a passion for helping women financial decision makers achieve their financial goals.

To learn more about PNC and how it supports women financial decision makers, visit www.pnc.com/women.

“Women entrepreneurs are leading with passion for their business, confidence, and optimism for the future,” Peterson-Sheptak said.

“We need to make sure we have the resources and people to support their success.”

Six out of 10 Americans rely on a local newspaper for advertising information about local businesses.

Ask us about the best ways to promote your business to more local homeowners!

Source: America’s Newspapers