Teaching Kids About Money Part 1

Teaching Kids about Money – Part 1 by Michelle Lambright Black

This week we will be discussing the best ways to teach your children about money.  By taking an active role in your child’s financial education you can help to set your child up for a lifetime of success.  The vast majority of money problems stem, not from a lack of funds, but rather from a mismanagement of the funds we do have.  You can help your offspring to establish sound, responsible spending habits now that will stick with them into adulthood.  Plus, it’s never a bad idea for us adults to look back at these basic principles as well to see if we are making the most of our money.

Lesson #1:  Why Allowances Are Important

Giving your child a weekly allowance can help teach them the value of a dollar.  This doesn’t have to cost you any extra money as a parent.  Chances are that you already buy toys, candy, clothes, etc. for your child directly out of the family budget.  However, by giving your child an allowance and, this is the crucial part, teaching your child how to spend that allowance responsibly you can have a wonderful teaching tool at your finger tips. 

As I mentioned before, it is very important that your child not be allowed to spend their allowance irresponsibly or without supervision.  Tomorrow we will discuss spending and saving techniques that are designed on a child’s learning level.  Using these techniques will help you to make sure that your child’s allowance remains what it is designed to be, a way for you to teach your child about money effectively.

At HOPE we can help you achieve the credit score you desire so you can qualify for the lowest interest rates available to you. If you would like to know how HOPE can help, please call us at 704-499-9696. We are waiting to hear from you.

Reasons To Live In Charlotte, NC #5

Reasons Charlotte NC is a great place to live. Reason 5 This week we have been sharing with you reasons why Charlotte, NC is a great place to live.

Today Reasons #5. We will give you a brief summary of reasons why others think Charlotte is a great city.

For a second year in a row Charlotte North Carolina has been voted the number one place to live by RelocateAmerica.com. RelocateAmerica.com is an online relocation information resource owned and operated by a real state broker firm called HomeRoute. RelocateAmerica.com has been ranking cities annually for 11 years. They accept city nominations that are considered by the nominees a great place to live. The nominations then are reviewed by their editorial team along with other city key data like education, employment, crime, housing, parks etc and then ranked.

Reasons to live in Charlotte North Carolina: 1. Destination could not be any better. The Appalachian Mountains are only a two hour drive to the west and the sun filled beaches are only three hours to the east. Charlotte N.C. was selected as one of the "10 Best Places to Live" by Money Magazine.

2. Second largest center of financial transaction in the United States. Some of the best known fortune 500 companies are located in Charlotte.

3.There are very good schools in and around Charlotte.

4. The cost of living in Charlotte is relatively low compared to the national average.

5. The weather is relatively mild in the winter and warm in the summer.

6. Pro Sport Organizations: (NFL Football: Carolina Pathers), (NBA Basketball: Charlotte Bobcats), (Minor League Baseball: Charlotte Knights), (WNBA Basketball: Charlotte Sting), (Hockey: Charlotte Checkers), Home of NASCAR's Lowes Motor Speedway.

7. Jobs: Last year, the city created 12,000 new jobs.

8. You'll find miles of walking trails.

9. There are several quality golfing communities.

10. There are many city parks and sports complexes including baseball, soccer, tennis, fields, YMCA facilities and Leon Springs facilities.

12. Located near or on a recreation Lake Wylie with fishing, boating, swimming, etc.

13. Friendly people.

14. A bonus last year - Property taxes were lowered for most home owners in 2007.

At HOPE we will help you achieve the credit score you desire so you can qualify for the lowest interest rates available to you. If you would like to know how please call us at 704-503-3669. We are waiting on your call.

Reasons To Live In Charlotte, NC #4

Reasons Charlotte NC is a great place to live. Reason 4

This week we are sharing with you reasons Charlotte, NC is a great place to live.

Today Reason #4. Let me share some statistics

Demographics: As of 2009, census estimates show there are 716,874 people living within Charlotte's city limits, and 935,304 in Mecklenburg County. The Combined Statistical Area of Charlotte-Gastonia-Concord, NC-SC had a population of 2,566,399 in 2009. The median income for a household in the city is $48,670, and the median income for a family is $59,452.

Religion: The birthplace of Billy Graham, Charlotte was and still is locally known as the "The City of Churches." Of those who practice a religion, most Charlotteans are Christians of various Protestant denominations. Throughout much of its history Presbyterian churches were the most prominent in Charlotte but the changing demographics of the city's rapidly increasing population have brought scores of new denominations and faiths to the city. The Billy Graham Evangelistic Association, Wycliffe Bible Translaors’ JAARS Center and Sim Missions Organization also make their homes in Charlotte. In total, Charlotte proper lays claim to more than 700 places of worship.

Airport: Charlotte/Douglas International Airport is the 30th busiest airport in the world, as measured by traffic[46] It is served by many domestic airlines, as well as international airlines Nonstop flights are available to many destinations across the United States, as well as flights to many world areas.

Mass Transit: The Charlotte Area Transit System is the the agency responsible for operating mass transit in Charlotte, and Mecklenburg County. CATS operates light rail transit, historical trolleys, express shuttles, and bus service serving Charlotte and its immediate suburbs. The LYNX light rail system comprises a 9.6-mile line north-south line known as the Blue Line.

School System: The city's public school system, Charlotte- Mecklenburg Schools is the second largest in North Carolina and 20th largest in the nation. About 132,000 students are taught in 161 separate elementary, middle and high schools.

Colleges and Universities: Belmont Abbey College Central Piedmont Community College Gordon-Conwell Theological Seminary Johnson & Wales University Johnson C. Smith University King's College Montreat College Pfeiffer University at Charlotte Queens University of Charlotte Reformed Theological Seminary -- Charlotte Southern Evangelical Seminary University of North Carolina at Charlotte

Media in Charlotte, NC

Television The Charlotte television market is the 25th largest in 2007, according to Nielsen Media Research. Broadcast television stations serving the market include:

WBTV, Channel 3 (CBS affiliate) WSOC-TV, Channel 9 (ABC affiliate) WHKY-TV, Channel 14 (Independent) WUNE-TV, Channel 17 (PBS/UNCTV affiliate) WCCB, Channel 18 (FOX affiliate) WNSC-TV, Channel 30 (PBS/SCETV affiliate) WCNC-TV, Channel 36 (NBC affiliate) WTVI, Channel 42 (PBS affiliate) WJZY, Channel 46 (The CW affiliate) WMYT-TV, Channel 55 (My Network TV affiliate) WUNG-TV, Channel 58 (PBS/UNCTV affiliate) WAXN-TV, Channel 64 (Independent)

Charlotte is home to three nationally/internationally available cable television networks: ESPNU SPEED Channel The Inspiration Network (INSP), recently moved across the state border to Indian Land, SC. The metro area is also served locally by a 24-hour cable news channel, News 14 Carolina, available on Time Warner Cable.

Radio

The Charlotte radio market is the 33rd largest in 2006, according to Arbitron. Broadcast radio stations serving the market include, in order of format:

Classical WDAV 89.9 FM Country WKKT 96.9 FM WSOC-FM 103.7 FM WRHM-FM 107.1 FM WIXE 1190 AM Family/Children WGFY 1480 AM (Radio Disney) Jazz WNSC 88.9 (broadcasts from Rock Hill, South Carolina Top 40/Pop WNKS 95.1 FM Newstalk/Sports WFAE 90.7 FM (news) WGHC 870 AM (simulcast from 1370 AM in Clayton, Georgia) WFNZ/WFNA 610 and 1660 AM (sports) WBT 1110 AM and 99.3 FM (news) WHKY 1290 AM (talk) WLNK 107.9 FM (Personalities with some Hot AC) WRHI 1340 AM and 94.3 FM (news) Oldies WRBK-FM 90.3 FM WTHZ 94.1 FM ("Magic Ninety-four-one")(broadcasts from Piedmont Triad) Public Radio WSGE 91.7 FM Spanish WOLS 106.1 FM WNOW-FM 105.3 FM and 1030 AM (Regional Mexican) WXNC 1060 AM WGSP 1310 AM Religious WRCM-FM 91.9 FM (Christian) WYFQ 93.5 FM and 930 AM (Bible Broadcasting Network) WPZS 100.9 FM (Urban Contemporary Gospel) WMIT 106.9 FM (Contemporary Christian) WZRH 960 AM WHVN 1270 AM (with simulcasts on WCGC 1270 and WAVO 1150 AM) WGIV 1370 AM (Urban Contemporary Gospel) WDEX 1430 AM (Southern Gospel) WOGR 1540 AM (Christian) Rock WXRC 95.7 FM (classic rock) WRFX 99.7 FM (classic rock) WLYT-FM 102.9 FM (soft rock/adult contemporary) WKQC 104.7 FM (soft rock/adult contemporary) WEND 106.5 FM (Modern Rock) Urban WQNC 92.7 FM (R&B/Soul) WIBT 96.1 FM (Hip hop/Rhythmic) WPEG 97.9 FM (Hip Hop/R&B) WBAV 101.9 FM (R&B/Soul/Adult) Variety WYLI-LP 93.7 FM

At HOPE we help you improve your credit scores so you can qualify for the lowest interest rates available to you. If you would like to know more pleased call us at 704-503-3669. Our staff is waiting on your call.

Reasons To Live In Charlotte, NC #3

Reasons Charlotte NC is a great place to live. Reason 3 This week we are sharing with you some of the reasons why Charlotte N.C. is such a great place to live. We are proud of our community and could not possible list all fo the reasons but we will try to share what we can.

Today Reason #3. There are many activities for the family in Charlotte. There are too many places of entertainment to list them all. This is a small sampling of what awaits you in Charlotte, NC.

Carowinds Amusment Park http://www.carowinds.com/#actions

Discovery Place http://www.discoveryplace.org/home/discovery_place-home.php

Bo Jangles Coliseum and Cricket Arena http://www.cricketarenacharlotte.com/

Time Warner Cable Arena http://www.timewarnercablearena.com/

Charlotte Convention Center http://www.charlotteconventionctr.com/

Laser Quest http://laserquest.com/

Monkey Joes http://www.monkeyjoesnc.com/

Verizon Wireless Amphitheater http://www.eventticketscenter.com/ResultsVenue.aspx?venid=286

Charlotte Aquatic Center http://www.swimcharlotte.org/

Charlotte Movie Theaters http://charlotte.ohsohandy.com/city/charlotte-movie-theater-listings

Charlotte Whitewater Rafting Center http://www.usnwc.org/Whitewater-Rafting.html

Billy Graham Library http://www.billygraham.org/BGLibrary_Index.ASP

At HOPE we help clients get great credit scores so they can qualify for the lowest interest rate available to them. If you would like to know more please call us at 704-503-3669. We are waiting on your call.

Reasons To Live In Charlotte, NC #2

Reasons Charlotte NC is a great place to live. Reason 2 This week we are listing 5 reasons why Charlotte NC is a great place to live. Many of our clients are considering a move to Charlotte and want to know why Charlotte is such a great place.

Today, Reason #2 If you love theater and the arts you will love Charlotte N.C.

We have :

The Actors Theater http://www.actorstheatrecharlotte.org/

Theater Charlotte http://www.theatrecharlotte.org/

North Carolina Blumenthal Performing Arts Center Home http://www.blumenthalcenter.org/

Belk Theater http://www.tickettango.com/ResultsGeneral.aspx?stype=0&kwds=Belk%20Theatre&gclid=CNSshr7NtZoCFRJxxwodXSezcw

Children's Theatre of Charlotte http://www.ctcharlotte.org/

Charlotte Comedy Theater http://www.charlottecomedy.com/

Neighborhood Theater http://www.neighborhoodtheatre.com/

North Carolina Dance Theater http://www.ncdance.org/

The Charlotte Symphony http://www.charlottesymphony.org/

The Mint Museum http://www.mintmuseum.org/

Ovens Auditorium http://www.ovensauditorium.com/

Tremont Music Hall http://www.tremontmusichall.com/home.aspx

The Comedy Zone http://heffrontalent.com/v2/

There is a whole lot more. This is in no way an exhaustive list.

If you have credit issues we can help you at HOPE. Whether it is a small issue or many larger ones we can guide you to the credit score you desire. If you would like to know more please call us at 704-503-3669. Our staff is waiting for your call.