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How to store your emergency funds

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Building up an emergency fund is one of the smartest steps you can take to ensure your financial and overall well-being. Emergency funds are liquid funds that you can tap into when times get tough. Maybe you need to pay for an expensive automotive repair, or perhaps the fridge dies. If you suddenly have an expensive and unavoidable bill to pay, an emergency fund can come to the rescue.

But where do you store those funds? Here are three considerations for your emergency fund:

  •  Your funds should be easy to access. In the parlance of finance, they should be liquid — funds you can get today if you must.
  •  But not too easy to access. You should have to take an extra step and think about it for a minute. You should keep those funds where you can easily forget them but still remember them in an emergency.
  • They should also be safe. You don’t want to risk your emergency funds.
  • They should prevent you from falling into debt.

With those requirements in mind, it’s easy to eliminate stocks and credit cards as an emergency money source. While stocks can be a very good investment, giving you a lot of return, they also can go down. While some financial experts argue that some portion of a large emergency fund should be in stocks, if your fund is less than $10,000, don’t risk your money.

Credit cards don’t work because they add debt. The whole idea of an emergency fund is to prevent a spiral into debt. You might be able to handle one small financial emergency on a card, but if a second emergency follows, you end up servicing debt rather than saving money.

That leaves savings accounts. They allow you to make regular deposits, and they are safe.

You want to keep your emergency fund separate from your regular savings and checking accounts, making it easier to track your finances. Once a month or so, you can simply take a peek at your account to reassure yourself that the funds are there and will be there when needed.

Choose a separate credit union or bank for your emergency fund. Another choice is a high-yield online savings account. Those accounts usually have a higher interest rate than traditional banks.

Interesting Things to Know

6 Summer Activities to Do With Your Grandchildren

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Spending time outdoors with your grandchildren is a great way to create memories while promoting an active, healthy lifestyle. Here are six outdoor activities you can try to make the most of your summer:

  1. Have a Beach Day: Pack beach toys, towels, and a picnic for a fun day in the sun. Build sandcastles, play Frisbee, and swim to your heart’s content! Don’t forget the sunscreen and hats to protect everyone from the sun’s rays. Beach days are perfect for relaxing and enjoying the beauty of the ocean while having fun with your grandchildren.
  2. Go Hiking: Take an age-appropriate hike with your grandchildren. Easy walking trails allow you to observe nature while encouraging an active lifestyle. Look for trails with interesting landmarks or wildlife to keep the kids engaged. Bring a small backpack with snacks, water, and a first aid kit for safety.
  3. Arrange a Treasure Hunt: Organize a treasure hunt in your yard or a nearby park. Prepare fun clues for the children, encouraging them to explore their surroundings while solving riddles. This activity can be educational and exciting, stimulating their problem-solving skills and sense of adventure.
  4. Host a Painting Workshop: Get canvases, brushes, and paints, and let your creativity flow outdoors. Set up a painting area in the backyard or a park and allow the grandchildren to express themselves through art. This activity is fun and helps develop their artistic skills and creativity. You can even frame their artwork as a keepsake of your special time together.
  5. Go on a Bike Ride: Choose a path suitable for your grandchildren’s age, and wear helmets. Cycling is a great way to get exercise while taking in the sights. Look for bike trails in local parks or along scenic routes. Remember to carry water bottles and take breaks to keep everyone energized and hydrated.
  6. Do Yoga: Choose a peaceful spot, bring some yoga mats, and enjoy an energizing session in the great outdoors. Yoga can help improve your flexibility and concentration while reducing stress. Children can do many simple yoga poses, making it a fun and relaxing activity for all ages. Consider following a kid-friendly yoga video or routine to keep it engaging.

Doing these activities will give you a unique chance to bond with your grandchildren while encouraging their physical, emotional, and social development. This summer, taste the great outdoors and make some unforgettable memories as you explore nature together!

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Interesting Things to Know

Green Camping? Yes, You Can!

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Camping is a great way to get in touch with nature. However, if you want to enjoy it for years to come, you must preserve it. Here are a few simple tips to make your camping experience more eco-responsible:

Plan Zero-Waste Meals

Use reusable cookware and cook with fresh food. If necessary, unpack produce at home and transfer it to reusable containers. An energy-efficient stove will also help you minimize your environmental impact. Planning ahead can reduce packaging waste and allow you to enjoy delicious, fresh meals.

Use Energy Wisely

Walk or cycle as much as possible to reduce your carbon footprint. Opt for rechargeable batteries, LED bulbs, or solar-powered devices such as lanterns and portable chargers. These small changes can significantly decrease your reliance on disposable batteries and fossil fuels.

Respect Nature

Camp only in designated areas and stick to marked paths to avoid crushing plants and disturbing wildlife habitats. Don’t disturb or feed animals, cut branches, or collect plants or shells. By respecting nature, you help maintain the ecosystem’s balance and beauty for future generations.

Avoid Chemical Products

Prevent water and soil contamination by using environmentally friendly and biodegradable products such as shampoo, sunscreen, dishwashing soap, toothpaste, and insect repellent. These products break down more easily and have less impact on the environment.

Sort Your Garbage

Get into the habit of sorting your trash and bringing it home if you can’t dispose of it on-site. Additionally, don’t throw organic matter into the woods, as it degrades slowly and can attract animals. Proper waste management ensures that natural sites remain clean and safe for everyone.

Choose Durable Camping Gear

When it’s time to replace your camping equipment, choose high-quality materials that will last a long time and limit the amount of waste you produce. Investing in durable gear reduces the frequency of replacements and the waste associated with discarded items.

By following these tips, you can enjoy a green camping experience and help protect the natural environment. Happy eco-friendly camping!

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Interesting Things to Know

Running in Summer: Take These Precautions When It’s (Too!) Hot

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Exercising outdoors during summer is great. However, you risk dehydration, sunstroke, and more during a heatwave. Follow these tips for a safe run.

Adapt Your Running Habits

It can be hard on your body to run during a heatwave. Remember that your performance can be affected, so lower your expectations and stay within your limits. Instead, try shorter intervals with moderate intensity. Also, run early in the morning or evening when the sun isn’t at its peak. This will help you avoid the hottest part of the day and reduce the risk of heat-related issues.

Hydrate Regularly

Ensure you drink plenty of water before, during, and after your run. If you run for over an hour, drink a sports drink to replace lost electrolytes and salts. Proper hydration is crucial to prevent dehydration and maintain performance.

Dress Appropriately

Lightweight, breathable workout clothing is designed to wick away moisture and prevent chafing. Complete your outfit with sunglasses and a baseball hat or visor. Don’t forget the sunscreen! Protecting your skin from harmful UV rays is essential.

Look for Shade

Avoid running on blacktop and cement, as these surfaces can become extremely hot and radiate heat. Instead, run in green spaces like tree-lined sidewalks, parks, and riverbanks. In sweltering weather, you could also opt for a trail run, where the trees shade you from the sun.

Listen to Your Body

Finally, listen to your body. Nausea, headaches, and dizziness are all signs that it’s time to stop. If there’s an extreme heat warning, heed the recommendations of the authorities and exercise caution. After all, your health is at stake! Pushing yourself too hard in extreme conditions can lead to serious health issues.

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Interesting Things to Know

U-Pick: Do You Know How to Choose the Best Fruit to Fill Your Basket?

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Are you looking for a family activity that combines local shopping and fresh air? Try berry picking! Besides getting some outdoor exercise, you can also stock up on delicious fresh berries at an affordable price. It’s a win-win! Check out these handy tips to pick the tastiest berries this summer:

Blueberries: Only pick blueberries that are firm, dark blue, and mold-free. These are the sweetest and juiciest berries, perfect for snacking or baking.

Haskaps: Look for haskaps that are purplish-blue, clean, and firm. If they look sunburnt, don’t put them in your basket. These berries have a unique tangy flavor for jams and desserts.

Cherries: Pick the plumpest, shiniest fruit you see. Avoid those with signs of mold. Fresh cherries are juicy and sweet, ideal for eating fresh or making pies.

Strawberries: Select firm strawberries with a bright, even red color, regardless of size. Make sure they have all their leaves and haven’t started to shrivel. The best strawberries are sweet and fragrant.

Raspberries: Make sure you pick only ripe, fragrant berries. Avoid those that don’t easily come off of the bush. If you have to tug on them, they’re not ready. Ripe raspberries are tender and full of flavor.

Blackberries: Look for full, fleshy, deep black, and shiny berries. If they’re ripe, they should feel soft to the touch. These berries are perfect for cobblers and smoothies.

Now, you must keep your eyes peeled on your next outing to delight your taste buds. Enjoy the fruits of your labor!

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Interesting Things to Know

Do You Have Pickleball Fever?

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Have you heard of pickleball? It’s a sport gaining popularity among people of all ages, especially older adults. Here’s why pickleball is so popular.

A Growing Craze

Pickleball has caught the attention of people aged 50 and over, looking to get active and move their bodies in an entertaining and accessible way. The rules are simple, and the movements are low impact, making this sport an attractive option for anyone who wants to stay healthy and socialize. Leagues and associations have started springing up like mushrooms!

Physical and Social Benefits

This sport has various physical benefits for older adults. The movements require coordination, flexibility, and endurance, contributing to better overall health. Regular play can improve cardiovascular fitness, enhance balance, and boost muscle strength. The friendly nature of the game encourages strong social bonds, reinforcing the feeling of belonging to an active community. It’s not uncommon for players to form lasting friendships and enjoy a strong sense of camaraderie.

Good to Know

Pickleball isn’t just for people living in big cities. The sport is just as popular with older people in urban areas as in rural communities. Its accessibility makes it a great choice for anyone, no matter where they live. Community centers, parks, and recreation facilities often have pickleball courts available, making joining in on the fun easy.

What is Pickleball?

Pickleball is a mixture of tennis, ping pong, and badminton. It’s played with a paddle and a plastic ball with holes. The court is about the size of a badminton court, and the net is slightly lower than a tennis net. Players can enjoy singles or doubles matches, and the game is designed to be easy to learn, which adds to its appeal.

The equipment is simple and affordable. A paddle and a few balls are all you need to get started. Many communities offer beginner classes or clinics to help new players learn the basics. Once you get the hang of it, pickleball can be a fun and competitive way to stay active.

Why Should You Try Pickleball?

Are you looking for a new way to keep fit and meet new people? Pickleball offers physical and social benefits, making it an excellent choice for staying active and engaged. The game’s low-impact nature means it’s easy on the joints, reducing the risk of injury while providing a good workout. Plus, the game’s social aspect can help combat loneliness and encourage a more active lifestyle.

Finding pickleball courts in your area is often as simple as checking with local community centers, parks, or recreation facilities. Many places have dedicated pickleball times or courts for this sport. Some communities even have pickleball clubs or leagues where you can meet other players and participate in organized matches or tournaments.

Pickleball is a sport that’s growing in popularity for good reasons. It’s easy to learn, fun to play and offers numerous health and social benefits. Pickleball is a great option whether you’re looking to improve your fitness, make new friends, or try something new. So, why not grab a paddle and see if pickleball fever catches you, too?

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Interesting Things to Know

10 Questions to Ask Your Dad on Father’s Day

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Father’s Day is a special time to celebrate the dads in your life. Beyond traditional gifts and gestures, connecting with your dad on a deeper level can create lasting memories and strengthen your bond. Here are 10 meaningful questions to ask your dad to learn more about this crucial person in your life:

  1. What’s your fondest memory of your childhood?
    • This question can open up stories from your dad’s past, giving you a glimpse into his younger years and what made his childhood special.
  2. What was the most trouble you ever got in as a kid?
    • Discovering mischievous stories from your dad’s youth can be entertaining and enlightening, showcasing his adventurous side.
  3. How did you and Mom first meet and fall in love? (if applicable)
    • Learning about your parents’ love story can be heartwarming and provide a deeper understanding of their relationship.
  4. What values or lessons from your father have you passed down to me?
    • This question can reveal the values and lessons passed through generations, highlighting what your dad finds most important.
  5. What’s something you still hope to accomplish in life?
    • Understanding your dad’s remaining goals and dreams can help you support and encourage him in future endeavors.
  6. What has been the most rewarding aspect of fatherhood for you?
    • This can give you insight into what your dad cherishes most about being a father, creating a deeper connection between you.
  7. What’s your biggest regret?
    • Sharing regrets can be a vulnerable moment, offering a chance for meaningful conversation and learning from his experiences.
  8. What have you always wanted to teach me but haven’t had the chance to yet?
    • This question allows your dad to share knowledge or skills he values and wants to pass on to you.
  9. How do you think being a father has shaped who you are today?
    • Reflecting on how fatherhood has influenced his life can provide profound insights into your dad’s character and personal growth.
  10. What’s one thing you want me to always remember or carry with me?
    • This can be a powerful and lasting piece of advice or wisdom your dad wants to ensure you hold onto throughout your life.

Take the time this Father’s Day to truly connect and appreciate the special relationship you share with your dad. These questions can lead to meaningful conversations and cherished memories that strengthen your bond.

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Front Royal, VA
72°
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5:47 am8:41 pm EDT
Feels like: 72°F
Wind: 3mph S
Humidity: 83%
Pressure: 30.08"Hg
UV index: 0
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Upcoming Events

Jun
22
Sat
all-day Great American Campout @ Great American Campout
Great American Campout @ Great American Campout
Jun 22 – Jun 23 all-day
Great American Campout @ Great American Campout
Don’t miss your chance to camp in the beautiful Historic Mount Bleak backyard. See all that Sky Meadows offers through activities beginning at noon on Saturday and running until noon on Sunday. Park rangers will[...]
9:00 am Let’s Go Hiking! @ Sky Meadows State Park
Let’s Go Hiking! @ Sky Meadows State Park
Jun 22 @ 9:00 am – 11:00 am
Let's Go Hiking! @ Sky Meadows State Park
Historic Area. Take your first steps on the path to adventure. Hiking is a year-round activity that you can enjoy with friends, family, a k-9 companion, or on your own. The Let’s Go Adventure staff[...]
11:00 am Baby Shower Benefit @ Living Water Christian Church
Baby Shower Benefit @ Living Water Christian Church
Jun 22 @ 11:00 am – 2:00 pm
Baby Shower Benefit @ Living Water Christian Church
Living Water Christian Church is hosting a Baby Shower to benefit the Front Royal Pregnancy Center. We will have cake, games and prizes. Come on out and support your community! Gifts can be wrapped or[...]
5:00 pm Let’s Go Hiking! @ Sky Meadows State Park
Let’s Go Hiking! @ Sky Meadows State Park
Jun 22 @ 5:00 pm – 6:00 pm
Let's Go Hiking! @ Sky Meadows State Park
Historic Area. Have you ever wanted to try camping but didn’t because it all seems so confusing and expensive? The Let’s Go Adventures staff will guide you through the basics of camping in a Virginia[...]
Jun
26
Wed
6:30 pm Front Royal Wednesday Night Bingo @ Front Royal Volunteer Fire Deptartment
Front Royal Wednesday Night Bingo @ Front Royal Volunteer Fire Deptartment
Jun 26 @ 6:30 pm – 9:30 pm
Front Royal Wednesday Night Bingo @ Front Royal Volunteer Fire Deptartment
Bingo to support the American Cancer Society mission, organized by Relay For Life of Front Royal. Every Wednesday evening Early Bird Bingo at 6:30 p.m. Regular Bingo from 7-9:30 p.m. Food and refreshments available More[...]
Jul
3
Wed
6:30 pm Front Royal Wednesday Night Bingo @ Front Royal Volunteer Fire Deptartment
Front Royal Wednesday Night Bingo @ Front Royal Volunteer Fire Deptartment
Jul 3 @ 6:30 pm – 9:30 pm
Front Royal Wednesday Night Bingo @ Front Royal Volunteer Fire Deptartment
Bingo to support the American Cancer Society mission, organized by Relay For Life of Front Royal. Every Wednesday evening Early Bird Bingo at 6:30 p.m. Regular Bingo from 7-9:30 p.m. Food and refreshments available More[...]
Jul
6
Sat
10:00 am A Bird’s World @ Sky Meadows State Park
A Bird’s World @ Sky Meadows State Park
Jul 6 @ 10:00 am – 11:00 am
A Bird's World @ Sky Meadows State Park
Picnic Area. Learn about birds of the woods and fields and how they utilize their habitat for survival and nesting. Join a Virginia Master Naturalist to discover our role and our impact on bird conservation.[...]
12:00 pm The Farmer’s Forge @ Sky Meadows State Park
The Farmer’s Forge @ Sky Meadows State Park
Jul 6 @ 12:00 pm – 3:00 pm
The Farmer’s Forge @ Sky Meadows State Park
Historic Area. The forge is fired up and the blacksmiths are hard at work showing off their skills. Members of the Blacksmiths’ Guild of the Potomac have set up shop in the forge, located behind[...]
12:00 pm The Settle’s Kettle @ Sky Meadows State Park
The Settle’s Kettle @ Sky Meadows State Park
Jul 6 @ 12:00 pm – 3:00 pm
The Settle's Kettle @ Sky Meadows State Park
Log Cabin in the Historic Area. Follow your nose to the Log Cabin to see what is cooking on the hearth. Explore history through food and how it connects us to past generations. Explore farming[...]
8:00 pm Astronomy for Everyone @ Sky Meadows State Park
Astronomy for Everyone @ Sky Meadows State Park
Jul 6 @ 8:00 pm – 11:00 pm
Astronomy for Everyone @ Sky Meadows State Park
Historic Area. Discover our International Dark-Sky Park! Our evenings begin with a half-hour children’s “Junior Astronomer” program, followed by a discussion about the importance of dark skies and light conservation. Then join NASA’s Jet Propulsion[...]
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