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Interesting Things You Need to Know

3 tips for tackling debt as a senior



Debt among seniors is on the rise. If you or someone you know is struggling financially, these three tips can help.

1. Create a budget. Figure out precisely how much money you earn, spend and save every month. See where you can tighten your spending. Start by asking yourself which of your small, recurring expenses you can reduce or eliminate.

2. Prioritize debts. Determine the interest rate for each of your debts. Make the minimum payments for each debt, and then funnel whatever else you can afford towards the debt with the highest interest rate.

3. Renegotiate with creditors. Discuss your financial situation with your creditors and determine if they might lower the interest rate on your debt, consolidate your debts into one loan or stretch out your payments over a longer timeframe. Reducing your minimum monthly payments can help you stay solvent while paying off your loans.

Finally, if you need extra help, be sure to get it. Contact an accredited not-for-profit credit counselor, a financial adviser or a licensed insolvency trustee. These experts can help you evaluate your debt situation, make a budget and develop strategies to pay off your debt.

If you have financial problems, expert advice can be extremely helpful. However, be cautious about who you trust with your personal information, and be particularly wary of debt settlement companies. These organizations are usually for-profit businesses and many engage in high-pressure sales practices and make false claims. Only work with reputable debt settlement companies that are accredited and willing to provide you with references.

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Adopting a tarantula: what you need to know



A tarantula can be a great pet for the right person. If these large and hairy spiders fascinate you, here’s what you need to know before adopting one.

They don’t like to cuddle
Some tarantulas have urticating hairs that cause irritation and itching. Though they’re usually docile creatures, tarantulas scare easily. When they feel threatened, they may bite or even pull out some of those hairs to fling at you.

They have specific enclosure needs

There are two types of tarantula, and each requires its own kind of enclosure. Arboreal species need a tall space with branches, twigs and other structures to climb. Terrestrial types thrive in smaller terrariums with lots of substrate to hide in.

They eat live insects
Tarantulas are insectivores. Be sure to provide them with a steady supply of crickets and other insects. Never feed tarantulas anything you catch in your garden. Backyard critters can be contaminated with chemicals and other things that may be harmful to your spider.

As with many other types of pets, adopting a tarantula involves a long-term commitment. Some have been known to live for more than 20 years in captivity, so be prepared to care for your spider over the long haul.

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3 benefits of taking a public speaking course



Taking a public speaking course is a great way to develop communication skills that’ll come in handy in all aspects of your life. Here are three advantages of enrolling in one.

1. You’ll become a better communicator
Public speaking classes teach you to speak more fluidly, to maintain eye contact with your audience and to control your body language. This allows you to better connect with the people listening to you and makes you a more dynamic speaker.

These classes also teach you to communicate ideas more effectively. You’ll learn how to present and organize your thoughts, defend your views and refute opposing viewpoints in a coherent manner.

2. You’ll build confidence
Are you afraid to speak in public? If so, overcoming this hurdle is likely to result in a confidence boost. Honing your communication skills is also an effective way to make you feel more self-assured and confident, both in professional and social contexts.

3. You’ll advance in your career
The skills you develop in public speaking classes can help you stand out at work. Promoting your ideas and speaking up in meetings is bound to get you noticed. Plus, modifying your body language and the way you speak can make you appear more professional.

Whether you want your next speech to impress your boss or simply want to become a more confident and effective communicator, public speaking classes are an excellent way to get ahead in life.

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Take care on social media



Facebook founder Mark Zuckerberg once said: Nothing influences people more than a recommendation from a trusted friend.

That’s helpful for dispensing good advice on dog health. But quite the opposite on employment matters.

Suppose a social media post hints of proprietary company information or even criticizes the company.

If even some people trust that post, that’s bad public relations for the company and it is bad for the person who posted it.

Not only can an employer find those comments, future employers can, too. Badmouthing an employer on social media is a black mark on a resume that will likely stick.

Even if you use separate accounts for business and private purposes, you never know who may be watching your social media accounts. Social networks are a sort of public space — your billboard to the world — and there are always people who can discover and share something inappropriate that you posted. That includes your remarks about your company, its plans, clients, bosses, and your fellow employees.

According to , always think before you post, and don’t post any sensitive comments that you haven’t proofread carefully. Also, keep business and personal social media posts separate.

Never post party photos showing you inebriated or attending an event when you’re supposed to be sick at home, among others.

Never connect your personal sites to professional business sites like LinkedIn.

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Dog sports to try this summer



Do you have a lively dog with energy to spare? Participating in one of these dog sports is a great way for Fido to blow off some steam.

In this dog sport, you’ll guide your dog through an obstacle course race in which both time and accuracy matter. Any dog can compete in agility, but it’s ideal for intelligent, high-energy breeds like Australian shepherds and border collies.

Disc Dog

All you need to play this dog sport is a Frisbee and an open space. Once you and your dog are ready, you can enter competitions with events like distance catching and choreographed freestyle catching. Athletic retrieving breeds are especially enthusiastic about this sport.

Popular in Europe, this sport combines cross-country running with dog handling. To play, your dog will need to wear a harness that will remain attached to your waist as the two of you run on a trail. Working breeds like German shepherds and huskies are great runners, but any dog with lots of energy will excel at this sport.

Taking part in sports with your dog is a great way to bond with them. Be sure to praise them for their efforts and reward them with a treat and a nap when they’re done.

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August Celebrity Birthdays!



Tom Beetz [CC BY 2.0 (]

Do you share a birthday with a celebrity?

1 – Chuck D, 59, rapper (Public Enemy), producer, born Carlton Douglas Ridenhour at Roosevelt, Long Island, NY, 1960

2 – Sam Worthington, 43, actor (Avatar), Godalming, Surrey, England, 1976.

3 – Tony Bennett, 93, singer, born Anthony Dominick Benedetto at New York, NY, 1926.

4 – Meghan, Duchess of Sussex, 38, former actress, born Meghan Markle, Los Angeles, CA, 1981.

5 – Jesse Williams, 38, actor (Grey’s Anatomy), Chicago, IL, 1981.

6 – Peter Bonerz, 81, actor (“The Bob Newhart Show”), Portsmouth, NH, 1938.

7 – Charlize Theron, 44, actress, Benoni, South Africa, 1975.

8 – Roger Federer, 38, tennis player, Basel, Switzerland,

9 – Robert Joseph (Bob) Cousy, 91, Hall of Fame basketball player, former coach, New York, NY, 1928.

10 – Angie Harmon, 47, actress (Law & Order), Dallas, TX, 1972.

11 – Marilyn vos Savant, 73, columnist, claims world’s highest IQ, born St. Louis, MO, 1946.

12 – Cara Delevingne, 27, model, actress, London, England, 1992.

13 – Janet Yellen, 73, former chair of the Federal Reserve (2014–18), economist, Brooklyn, NY, 1946.

14 – Mila Kunis, 36, actress (That ’70s Show), Kiev, Ukraine, 1983.

15 – Vernon Jordan, Jr, 84, civil rights leader, Atlanta, GA, 1935.

16 – Taika Waititi, 44, actor, comedian, Wellington, New Zealand, 1975.

17 – Julian Fellowes, 70, producer (Downton Abbey), Cairo, Egypt, 1949.

18 – Andy Samberg, 41, comedian, (Saturday Night Live), Mill Valley, CA, 1978.

19 – Jill St. John, 79, actress, born Jill Oppenheim, Los Angeles, CA, 1940.

20 – Donald (Don) King, 88, boxing promoter, Cleveland, OH, 1931.

21 – Joanne Froggatt, 39, actress (Downton Abbey),Littlebeck, North Hampshire, England, 1980.

22 – Adewale Akinnuoye-Agbaje, 52, actor (Lost), London, England, 1967.

23 – Jay Mohr, 49, actor, comedian, Verona, NJ 1970.

24 – Alexander McCall Smith, 71, author, Bulawayo, Southern Rhodesia (now Zimbabwe), 1948.

25 – Rachel Bilson, 38, actress (The O.C.), Los Angeles, CA, 1981.

26 – Branford Marsalis, 59, musician, Breaux Bridge, LA, 1960.

27 – Sarah Chalke, 43, actress (Roseanne), Ottawa, ON, Canada, 1976.

28 – Quvenzhane Wallis, 16, actress, Houma, LA, 2003.

29 – Robin Leach, 78, television host (Lifestyles of the Rich and Famous), London, England, 1941.

30 – Michael Chiklis, 56, actor (Emmy and Golden Globe for The Shield), Lowell, MA, 1963.

31 – Marcia Clark , 66, former prosecutor, born Marcia Kleks, Alameda, CA, 1953.

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3 ways to learn water rescue and lifesaving skills



Do you love swimming? Do your kids? If so, that’s reason enough to consider signing up for lifesaving courses. Here’s what you should know.

1. Water safety training
If you’re a fixture at the pool, spa, beach or lake and you want to keep you and your fellow swimmers safe, you can learn basic lifesaving skills by taking water safety classes. The American Red Cross offers a number of certifications, including Basic Water Rescue, Small Craft Safety and Water Safety Instructor.

2. Lifeguard training

If you’re a strong swimmer and you want to learn how to effectively prevent and respond to water emergencies, sign up for lifeguard training classes. Certification with the American Red Cross is valid for two years and includes First Aid, CPR and automatic external defibrillator (AED) training. Organizations such as the YMCA and the American Lifeguard Association also offer courses.

3. CPR and first aid training
A medical crisis may occur on or near the water. If you want to be in a position to help should an accident, injury or medical emergency arise, take a CPR class, a first aid class or both. Often, these two types of training are offered together.

The skills you develop in these classes will serve you and those you care about for many years. If you’re already trained, keep in mind that it’s a good idea to take a refresher course every two years or so.

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Front Royal
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Upcoming Events

5:30 pm Medicare Basics Educational Pres... @ Samuels Public Library | White Meeting Room B
Medicare Basics Educational Pres... @ Samuels Public Library | White Meeting Room B
Aug 22 @ 5:30 pm – 7:00 pm
Medicare Basics Educational Presentation @ Samuels Public Library | White Meeting Room B
Come learn the basics of Medicare including: Eligibility, Important Dates, Medicare Coverage, Medicare Parts A,B,C, and D and Supplement Options. No Cost No RSVP required Walk-ins welcome For Educational purposes only For accommodations of persons[...]
8:00 am Safe Driving Class for Seniors @ Front Royal Police Department
Safe Driving Class for Seniors @ Front Royal Police Department
Aug 24 @ 8:00 am – 5:00 pm
Safe Driving Class for Seniors @ Front Royal Police Department
Hosted By: Front Royal/Warren County S.A.L.T./TRIAD Are you a senior 50 and over in need of learning current driving trends, traffic laws and just an overall overview of driving safely? If so, AARP provides a[...]
10:00 am Sample an Irish Dance Class @ Jig 'n' Jive Dance Studio
Sample an Irish Dance Class @ Jig 'n' Jive Dance Studio
Aug 24 @ 10:00 am – 10:45 am
Sample an Irish Dance Class @ Jig 'n' Jive Dance Studio
Sample an Irish Dance Class at the Jig ‘n’ Jive Dance Studio. Saturday, August 24th. 10:00 – 10:45am. $2/dancer. Boys and Girls. No experience or registration required.
4:30 pm Front Royal Salvation Army Corps... @ Salvation Army
Front Royal Salvation Army Corps... @ Salvation Army
Aug 24 @ 4:30 pm – 8:30 pm
Front Royal Salvation Army Corps BBQ Cookout @ Salvation Army
The Front Royal Salvation Army Corps will host a BBQ Cookout on Saturday, August 24, 2019, from 4:30 pm to 8:30 pm at 296 South Street, Front Royal. A BBQ chicken meal, including chips and[...]
1:30 pm Botanicals in Watercolor I @ Art in the Valley
Botanicals in Watercolor I @ Art in the Valley
Aug 27 @ 1:30 pm – 4:00 pm
Botanicals in Watercolor I @ Art in the Valley
This four week course with the instructor, Elena Maza, will deal with the basic three-primary color palette, different pigments and how they interact, how to mix all colors from three primary colors, how to apply[...]
1:00 pm Substance Abuse and Recovery Summit @ Mountain Home Bed and Breakfast
Substance Abuse and Recovery Summit @ Mountain Home Bed and Breakfast
Aug 29 @ 1:00 pm – 3:00 pm
Substance Abuse and Recovery Summit @ Mountain Home Bed and Breakfast
The McShin Foundation and RSW (Rappahannock, Shenandoah, and Warren County) Regional Jail would like to invite you to our substance abuse and recovery summit to be held on August 29, 2019, in Front Royal, Virginia.[...]
1:00 pm DJ Skyhigh’s End of Summer Blast @ Warren County Fair
DJ Skyhigh’s End of Summer Blast @ Warren County Fair
Aug 31 @ 1:00 pm – 9:00 pm
DJ Skyhigh's End of Summer Blast @ Warren County Fair
Come join DJ Skyhigh for his end of summer blast. Lisa Bell will be hosting wine tastings (at an additional charge) of over 50 international wines. Wines may also be purchased by the bottle to[...]
1:30 pm Watercolor Landscapes @ Art in the Valley
Watercolor Landscapes @ Art in the Valley
Sep 3 @ 1:30 pm – 4:30 pm
Watercolor Landscapes @ Art in the Valley
This four week course with instructor Elena Maza will focus on learning basic skills to create watercolor landscape paintings: basic composition and use of color and value to create a sense of depth and distance.[...]
1:30 pm Botanical Drawing @ Art in the Valley
Botanical Drawing @ Art in the Valley
Sep 4 @ 1:30 pm – 4:30 pm
Botanical Drawing @ Art in the Valley
Learn and practice the art of botanical drawing in pencil with local artist and instructor Elena Maza. This four session course will focus on learning basic drawing skills as applied to botanicals: basic line drawings[...]
10:00 am SHS Marching Band Mattress Fundr... @ Skyline High School
SHS Marching Band Mattress Fundr... @ Skyline High School
Sep 7 @ 10:00 am – 5:00 pm
SHS Marching Band Mattress Fundraiser @ Skyline High School
Skyline High School Marching Band is having a mattress sale fundraiser on Saturday, September 7, 2019, from 10 a.m. to 5 p.m. at Skyline High School (151 Skyline Vista Drive, Front Royal, Virginia). There will[...]