Milestone Cards

I’ve tried writing this post three times; each time the words don’t come out right. The meaning is lost by the third paragraph and though there are few things as major as buying your first home, writing a blog about the experience might be the second major thing I’ll do this month. I’ve written about […]

There are times in your life where you’ll be standing at a fork in the road, and not even realize how detrimental this one decision can be. How vast a contrast one decision from another really is. Or how it will alter your entire life. This was me when I decided to leave Germany to […]

On Earth Day, April 22, the Fullerton College Sociology Department hosted a “Migration Symposium” featuring speakers and conversations which sought to draw lines between current issues surrounding the environment and human migration. “Today we stand with millions of people around the world,” geography professor Aline Gregorio said, “This is the 49th anniversary of Earth Day, […]

​ TALLADEGA SUPERSPEEDWAY (2.66-MILE OVAL) LOCATION: TALLADEGA, ALABAMA EVENT: NASCAR CUP SERIES (RACE 10 OF 36) TUNE IN: 2 P.M. ET, SUNDAY, APRIL 28 (FOX/MRN/SIRIUSXM) ​ ​ ​ ​ ​ Chase Elliott No. 9 Mountain Dew/Little Caesars Chevrolet Camaro ZL1 Driver Chase Elliott   Hometown Dawsonville, Georgia Age 23                       Resides Dawsonville, Georgia ​ ​ ​ ​ ​ […]

[ooyala player_id=”3ce6404476914e86994d87aac3e4391b” auto=”true” width=”1920″ height=”1080″ pcode=”x1b3E6uSQFrERylr1X1PdViOr0tE” code=”5wMWZvaDE6CweFVb1JfKH69RM5H1ffhS”] If you`re thinking about taking on a major project, want to go on a big vacation to celebrate a major milestone or looking to remodel your house, you might be worried about paying for it. David Sant from Cyprus Credit Union stopped by and said regardless of what […]

  This week is the final week for winter 2019 CSA. We are happy to report that asparagus is in the box – along with other great veggies. Boxes will have 6-9 items from the following list. Asparagus Spinach Salad mix Radishes Beets with tops Carrots Broccoli Scallions or spring onions Mushrooms Fresh cut herbs […]

The Hierophant represents ‘hearing’ the Divine Will from above and transmitting it without bias. The Hierophant joins the macrocosm (universe) with the microcosm (the spiritual seeker) through esotertic teaching. Associated with Taurus, an Earth sign, and so pertains to the tangible, material aspects of life, and this means the Hierophant represents teaching through books, internet, […]

Getting your first credit card typically indicates a sign of maturity and increased financial responsibility, but how old do you have to be to get a credit card? It’s a question that makes sense to come up for a teenager. You’ve gotten your driver’s license, perhaps a first job, and now you’re wondering when you can get your first credit card. Why might you want a credit card in adolescence? Besides the obvious milestone it signifies in the financial journey, building a credit history from a young age can set your credit score up for success. Taken together, payment history (whether you’ve paid on time) and length of credit history (average age of accounts) can account for up to 50% of your credit score. Credit is also required for life events like applying for student loans, purchasing a cellphone plan, and could even factor into receiving certain employment opportunities. When Can You Get a Credit Card? The minimum age you must be to apply for your own credit card is 18 years-old, but this comes with a couple of caveats. For one, the Credit Card Accountability Responsibility and Disclosure Act of 2009 (or Credit CARD Act) requires that credit card applicants between the ages of 18-21 show proof of a reliable source of income to qualify for a credit card. In the absence of being able to prove your own steady income, you can still get a credit card if you have a cosigner who’s over 21 on the account. In the latter case, the cosigner would take responsibility for your debt if you can’t make payments. How to Get a Credit Card as a Minor To get a credit card under the age of 18, you’ll need to become an authorized user on an adult’s credit card account. Also known as credit card piggybacking, becoming an authorized user means that you will have the ability to use someone else’s credit card as a secondary account holder. Though you will receive a credit card in your name, the primary credit account holder alone bears the legal obligation to make payments on the account. Becoming an authorized user as a minor is the best way to get an early start on your own credit history and can make it easier to qualify for your own credit card when the time comes. Assuming that the primary account holder has a long history of on-time payments, you’ll instantly gain positive credit history. Since you won’t be on the line to make payments, it’s a low risk way to start your credit from scratch. Piggybacking on someone else’s account is only wise if the primary account holder has a great credit history and is responsible enough to make payments on time. If not, your own credit history will likely suffer before you get a chance to really affect it yourself. Additionally, because several credit card issuers do not allow the primary account holder to set limits on an authorized user’s spending, it’s important to establish ground rules to ensure that the credit card balance is paid in full month after month, no matter who uses the account. The Bottom Line Although you can’t apply for your own credit card until you turn 18, it can be a smart move to become an authorized user on an established credit card account as a minor to get a headstart on building your credit. The history of a responsible adult’s credit card account on your credit report could give your credit score an easy boost — potentially increasing your creditworthiness. Being more creditworthy comes in handy for the landmark occasions of growing up, whether in taking out a loan, renting your first apartment, or getting approved for an attractive credit card. Gaining credit card experience at a young age encourages financial responsibility and can give you a good chance at financial health going into adulthood.   Sources Investopedia 1, 2, 3 | The Points Guy | Mint

Do not let limited USB ports dictate your peripherals. Turn one port into four with the iDsonix 4 Port USB HUB. If you were born before the 1990’s, you probably remember a time before USB technology. Computers utilized a variety of serial and parallel ports, and peripheral devices were often forced to plug into certain […]

Today I have hit my first major milestone in my journey to teetotalism. 100 days. I guess that means it’s not as much my journey to as much as it is my journey through. I’m in it… and I’m loving it. It sort of feels like a birthday. Then there are the books. So many […]

The first iteration of Apple’s rumored iOS 13 update is getting closer and today we want to take you through everything we know, and think we know, about iOS 12’s successor. Apple is still hard at work improving iOS 12. The company recently released a massive iOS 12.2 milestone upgrade and the company is planning […]

It’s hard for me to believe that Haas Financial Group is turning six years old today.  Birthdays have a way of forcing reflection, don’t they? “Where did the time go?” “Did I accomplish everything I thought I could?” “If I knew then what I know now, what would I have done differently?” As I think […]

Shop Personalised Baby Gifts In Dubai 2018 There's a plethora of personalized baby gifts in addition to the world. Below are some. Our assortment of Cheap Baby Toys is available at great discount prices and will keep your little one entertained and happy. Again, objects that produce a and move slowly Beautiful sound are a […]

DICE has released a brand new update for Star Wars Battlefront 2, and revealed its complete changelog. According to the release notes, the Giants Above Kachirho update adds the Kashyyyk – Kachirho Beach map to the Capital Supremacy mode and introduces a new appearance for Leia Organa. Moreover, this patch features a number of Hero […]

Why is the Pincer grasp important? Some children are naturally drawn to…well, drawing. These kids will likely have little trouble getting their final pencil grasp down pat in time for the school years. But, there are many children that either don’t have the interest, or don’t have the confidence to attempt a pencil grasp. This […]

Judith Martin DEAR MISS MANNERS: I am getting married in April. A wedding guest who lives out of town told me that she is planning an engagement party for my bridesmaid, who moved out of state with her fiance, for the day after my wedding. We are having a wedding brunch that day, and I will not be able to attend this engagement party for one of my best friends. She will have already been engaged for four months by the time my wedding occurs. [related_articles location=”left” show_article_date=”false” article_type=”automatic-primary-tag”]I initially told the planner that I was OK with this, but then told her that it would be hurtful, and it sounds like she is still proceeding with booking a venue and sending invites to this engagement party for my wedding weekend. Should I be hurt by this? I also want my friend to be able to celebrate her engagement with her family and friends who live here, but it feels very rude, particularly when many of the invitees will also be at my wedding. I can’t prevent her from planning this event, but am not sure how to handle this. Is this a total faux pas, or something I should try and let go? GENTLE READER: Sometimes conflicts can be avoided, and sometimes they cannot, but no one owns the calendar — not even brides. Miss Manners advises against arguing about the relative importance of the events — not only because the value of a delayed engagement party versus a day-after wedding brunch is hard to measure, but also because you have already confused the issue by agreeing to the conflicting date for the party. DEAR MISS MANNERS: My sibling and his spouse of 20 years are acrimoniously divorcing. The toxicity surrounding the breakup led the families of both parties to stick with their respective family member and support that person during this very unhappy time. My family is very focused on the children, doing our best to ensure they feel loved, secure and supported. My soon-to-be-ex-in-law’s parents have both recently been diagnosed with terminal illnesses. My sibling has been told in no uncertain terms by his spouse not to reach out in any way to the parents, either to express sorrow or to offer support. As a result, my sibling has instructed our family to ignore the illnesses and remain in the background. I do understand where this is coming from, but after 20 years marking milestone events in the children’s lives, holidays, etc., I feel like an awful human for not at least sending some sort of card or letter or basket of fruit to these elderly, ill people. Can Miss Manners please create a directive of proper etiquette between about-to-be-ex-families? I can’t believe I’m the only person to face this very awkward and sad situation. Want Miss Manners delivered to your inbox for free on weekdays? [dfm_iframe src=”https://apps.mercurynews.com/newsletters-signup/?campaign=coffeebreak” width=”100%” height=”220px” allowfullscreen=”yes” scrolling=”yes” /] GENTLE READER: One of the things most divorced couples realize too quickly is that they no longer have to do what the other says. Miss Manners therefore appreciates that your sibling is intending to put harmony first in this case. But even if he avoids his soon-to-be-ex-in-laws, the ban does not reasonably apply to you. Contacting your ex-relatives is the compassionate thing to do; just make allowances for the awkward position in which they may then find themselves with their own family member. [related_articles location=”left” show_article_date=”false” article_type=”automatic-primary-section”] Please send your questions to Miss Manners at her website, http://www.missmanners.com; to her email, dearmissmanners@gmail.com; or through postal mail to Miss Manners, Andrews McMeel Syndication, 1130 Walnut St., Kansas City, MO 64106.