Take Action to Improve Your Financial Situation in PADUCAH KENTUCKY
By Katie Bryan, America Saves Communications Director.
America Saves Week, February 24
March 1, 2014, is a time to review your finances, decide what you want to
save for, and set up a system that will allow you to save automatically. Thats
why the America Saves Week theme is Set
a Goal. Make a Plan. Save Automatically. Did you know that only half of
Americans report having good savings habits? Even if you are already saving,
its good to take a look at your goals and decide if you can save more or start
a new savings goal. Join thousands of others who are pledging to pay down
debt, save money, and take financial action during America Saves Week.
Not sure what to
save for or what to save for next? Here are the most popular saving goals
of those who have pledged to save through America Saves:
· Save for Emergencies - Only 37 percent
of low-to-moderate income households have a savings or money market account at
a bank or credit union and nearly a quarter of savers who have pledged to save
have chosen emergency savings as their first wealth-building goal. Learn
· Save for Education - Saving for
education is the second most popular goal savers select when they pledge to
save with America Saves. There are many different things to factor in when
saving and paying for college. Learn
· Pay Down Debt - Getting out of debt is the #3 goal
Savers select when they pledge to save. That does not come as a surprise since
a 2012 survey found that 45% of families
with annual incomes under $50,000 rely on credit cards to pay for basic needs
such as rent, utilities, insurance and food. Learn
· Save for a Home - For decades, home ownership has
been the main path to wealth for most Americans. Today, home equity - the
market value of a home minus the balance on any home loans - represents more
than four-fifths of the typical family’s wealth. Learn
· Save for Retirement - Retirement
savings is a top priority for many Savers. Saving for retirement now will
ensure that you have enough money to maintain a comfortable standard of living
when you stop or reduce the amount of hours you work. Learn
Not sure how to
save for your goals? Here are some saving strategies to help:
· Save Automatically - The easiest and
most effective way to save is automatically. This is how millions of Americans
save at their bank or credit union, and how millions of employees save through
401(k) and other retirement programs at work. Learn more.
· Save at Tax Time - Do you spend weeks eagerly
anticipating your tax refund? When the money finally comes in, is it gone
tomorrow? Many people view tax refunds as unplanned bonuses. They see the money
as a gift from the government, to use for splurges or treats. But a tax refund
provides the opportunity to improve your financial situation. Learn
the America Saves Pledge (or re-pledge) today to set your savings goal and
make a plan to save. When you take the pledge you can also choose to receive
text message tips and reminders to help you save for your goal. And dont
forget to follow America Saves on Facebook
America Saves Week is coordinated
by America Saves and the American Savings
Education Council. Started in 2007, the Week is an annual opportunity for
organizations to promote good savings behavior and a chance for inpiduals to
assess their own saving status
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How can I follow Congressman votes that I have chosen in PADUCAH KENTUCKY
How to . . . observe about congressional votes
All voting in Congress is a matter of public record. However, not all floor votes are roll call votes. There are voice votes (aye or no) and pision or standing votes (where the presiding officer counts Members), and these types of votes do not indicate by name how a member voted.
Senate roll call vote tallies are posted online within an hour of the vote. You can view today´s votes or use the vote tables to look at any roll call vote taken since the 101st Congress (1989). In addition to vote tallies, the entries also provide brief descriptions of the votes and links to Congress.gov for the texts of the legislation.
House roll call vote tallies are posted online directly following the vote. You can view votes from this Congress or use the archives to look at any roll call vote taken since the 101st Congress, 2nd session (1990). In addition to vote tallies, the entries provide brief descriptions of the votes.
Congress.gov provides Senate recorded floor votes going back to the 101st Congress (1989-90) and House recorded floor votes going back to the second session of the 101st Congress (1990). To access votes using Congress.gov search for a bill and click on the "Actions" tab. All House and Senate roll call votes will be listed with links to the House and Senate´s web pages.
The Congressional Record is the official source of information on recorded floor votes. Votes are printed in the daily Record as they occur on the floor. The votes provide an alphabetical listing of members under yea, nay, and not voting categories and show the overall tally for each category. However, votes are not identified by party or by state. The Daily Digest section that is printed at the end of each Record shows how many roll call votes were taken that day and show on what page in the Record the votes can be found. TheCongressional Record Index provides subject access to the votes (under Votes in Senate and Votes in House.)
Thanks to the leadership of the President and the FCC, the resources are in place to meet the Presidents connectivity goal. In addition, various private-sector partners are making over $2 billion worth of resources available to students, teachers, and schools. These include tablets, mobile broadband, software, and online teacher professional development courses from top universities. Fewer than 40 percent of public schools currently have the high-speed Internet needed to support modern digital learning.
But now we have the resources to solve this problem. We just need help from our nations superintendents and school technology chiefs.
Last year, the FCC approved the first major update to the E-Rate program since it was created in 1997. E-Rate (also known as the Universal Service Program for Schools and Libraries) makes it more affordable for schools and libraries to connect to high-speed Internet with the goal of making the gigabit speeds we see in cities like Cedar Falls, Iowa, and Chattanooga, Tennessee the norm in schools across the country.
These updates have unlocked funding to support internal Wi-Fi network upgrades in schools and libraries this year for the first time since 2012. Wi-Fi is important because no matter how fast the Internet connection is to a school, students cant take full advantage of it without a robust wireless network within the school.
To secure E-rate support for Wi-Fi, schools and libraries must submit a form describing their project needs to the Universal Service Administrative Company (USAC). USAC then posts the request for competitive bidding. The Department of Education has prepared an Infrastructure Guide to help district leaders navigate the many decisions required to deliver cutting-edge connectivity to students. That said, schools and libraries have the final say when they submit an application to USAC for approval.
Bringing our schools up to speed is a major priority, and E-rate provides an opportunity to make doing so much more affordable. For all of the superintendents and technology officers: If you havent yet done so, get your requests submitted by February 26, 2015, and your applications in before March 26, 2015 (requests must be up for 28 days before a school can choose a vendor). Your students, your community, and your country will thank you for bringing our classrooms into the 21st century.