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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

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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Interesting Things to Know

Recognizing and Denouncing Elder Abuse: A Social Duty

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A society is measured by how well it cares for its elderly citizens. Unfortunately, numerous cases of elder abuse are reported every year across the globe. World Elder Abuse Awareness Day (WEAAD) on June 15 is an excellent time to raise awareness of this serious issue.

Forms of Abuse

Abuse is often associated with physical violence. However, it can also be psychological, involving emotional blackmail, threats, humiliation, and insults. Neglect and indifference can also seriously harm older adults. Abuse almost always occurs at the hands of someone the person trusts, such as a caregiver or family member. In any case, the perpetrator is often someone close to the older person.

Courses of Action

If you witness elder abuse, here are steps you can take:

  1. Talk to the Victim: Express your concerns to the older adult compassionately. Ensure they understand you are there to support them.
  2. Direct to Resources: Provide information about helpful resources, such as elder abuse hotlines, local social services, or support groups.
  3. Avoid Direct Conflict: Confronting the abuser directly can escalate the situation. It’s best to focus on supporting the victim and seeking professional help.
  4. Report the Abuse: If the situation is dangerous or if the victim is unable to seek help on their own, contact authorities or local elder abuse hotlines.

Ending the Cycle of Abuse

Ending the cycle of abuse is crucial for society. Combatting this threat is a responsibility that falls on everyone. It’s been over 75 years since the Universal Declaration of Human Rights was adopted. We must remember that even one instance of elder abuse is one too many. Promoting respect, care, and dignity for older adults is essential for a healthy, just society.

Resources

If you’ve witnessed or experienced elder abuse, reach out to your local elder abuse hotline for assistance. Contact 911 for emergency services. Taking action can save lives and improve the quality of life for many older adults.

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Interesting Things to Know

Bonding with Nature and Dad: 5 Outdoor Activities for Father’s Day

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Father’s Day is a special opportunity to celebrate and strengthen the bond between dads and their children. What better way to do this than by enjoying some outdoor adventures together? Here are five activities perfect for making lasting memories:

Fishing Expedition

Head to a nearby lake, river, or fishing spot. Whether casting lines from the shore or renting a boat, fishing offers quality conversation and bonding while waiting for the big catch. It’s a peaceful way to enjoy nature and share stories, teaching patience and teamwork.

Hiking Adventure

Choose a trail in a nearby park or nature reserve suitable for all ages and skill levels. Pack snacks and enjoy stunning views, wildlife encounters, and shared experiences. Hiking is a great way to exercise and appreciate the beauty of the great outdoors together.

Picnic in the Park

Pack a lunch and spend the day lounging in a local park or garden. Spread out a blanket and play outdoor games like Frisbee or catch. A picnic provides a relaxed setting for conversations and laughter, making it a delightful way to enjoy Father’s Day.

Bike Excursion

Whether it’s a leisurely pedal along scenic paths or an adventurous mountain biking excursion, cycling together is a fun and active way to bond while enjoying the fresh air and sunshine. Choose a route that matches your family’s skill level and enjoy the ride.

Camping

Pitch a tent, build a campfire, and spend the night under the stars in your backyard or at a nearby campground. Roast marshmallows, tell stories, stargaze, and enjoy the magic of camping together. Camping creates a unique opportunity for family bonding and adventure.

Prepare for your Father’s Day adventure by visiting local shops and stores for any necessary gear and supplies. Enjoy the time spent outdoors, making memories that will last a lifetime.

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Interesting Things to Know

Pack Your Cooler Like a Pro!

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Not sure how to fill your cooler to keep your food as fresh as possible when camping? Follow this guide to ensure your food stays cold and safe.

Prepping Your Food and Cooler

  1. Cook and Freeze Meals in Advance: Prepare a few meals before your trip and freeze everything that can be frozen, including meat and bottled water. These frozen items will last longer and help keep your cooler cold.
  2. Use Airtight Containers: Transfer food into airtight containers to prevent water from seeping. This will keep bread from going soggy and prevent cross-contamination with meat.
  3. Pre-Chill the Cooler: Put ice in the cooler a few hours before you leave so it’s cold when you fill it. This ensures a lower starting temperature for your perishables.

Packing the Cooler

  1. Layering Food Items:
    • Perishables at the Bottom: Place the most perishable items, such as meats and dairy, at the bottom of the cooler where it’s coldest.
    • Order of Use: Layer the rest of the food in the order you’ll eat, from the last meal to the first. This way, you can access what you need without emptying the cooler. Frequently used items should go on top for easy access.
  2. Ice Placement:
    • Between Layers: Put ice between each layer of food to ensure proper cold air circulation.
    • Top Off with Ice: Add more ice on top of the food. If the cooler isn’t full, fill the gaps with ice cubes. This prevents the ice from cooling the air, which melts it faster.

Managing Your Coolers

  1. Separate Coolers for Drinks: If possible, keep drinks in a separate cooler so you don’t have to open the food cooler as often. This helps maintain a consistent temperature for your perishable items.

General Tips

  1. Shade: Always leave your cooler in the shade to slow the melting process. Avoid placing it in direct sunlight, which accelerates ice melt.

Ice Blocks or Ice Cubes?

  • Ice Blocks: Melt more slowly and provide long-lasting cooling.
  • Ice Cubes: Fill empty spaces more efficiently and cool items quickly.

A mixture of ice blocks and ice cubes is ideal for keeping everything cold for an extended period.

By following these tips, you’ll be able to pack your cooler efficiently and keep your food fresh throughout your camping trip. Enjoy your adventure!

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Interesting Things to Know

Strong Father-Daughter Bonds Create Strong Women

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Strong father-daughter bonds play a pivotal role in shaping the development of resilient and empowered women. Research suggests that the relationship between a father and daughter significantly influences her self-esteem, confidence, and ability to navigate the world with strength.

Security and Confidence

A supportive and involved father provides his daughter security and stability, creating a foundation of trust that empowers her to explore her capabilities and fearlessly pursue her dreams. Fathers who actively participate in their daughters’ lives demonstrate the value of their opinions and abilities, instilling in them a belief in their worth and potential. This sense of security and confidence enables daughters to take risks, make independent decisions, and develop a strong sense of self.

Challenging Gender Stereotypes

Strong father-daughter bonds often challenge traditional gender stereotypes. Dads who see their daughters as equals and push them to be their best help them ignore what others say they can’t do. Research shows that women with strong paternal relationships achieve better grades, graduate at higher rates, and are more likely to enter STEM fields. By encouraging their daughters to pursue any interest, fathers help break down societal barriers and open up a world of possibilities.

Emotional Development and Healthy Relationships

Fathers who openly express love, affection, and respect towards their daughters foster healthy emotional development. These positive interactions teach daughters to set boundaries, advocate for themselves, and cultivate meaningful relationships based on mutual respect and trust. A strong father-daughter relationship models how women should be treated and what they should expect in their relationships, promoting emotional intelligence and resilience.

Celebrating Father’s Day

Father’s Day is a time to celebrate and recognize fathers’ vital role in shaping a brighter future for their daughters and society. By nurturing strong bonds, fathers raise confident, capable, and empowered women ready to take on the world.

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Front Royal, VA
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Upcoming Events

Jun
19
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 19 @ 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[...]
Jun
21
Fri
7:00 pm Twilight Hikes @ Sky Meadows State Park
Twilight Hikes @ Sky Meadows State Park
Jun 21 @ 7:00 pm – 8:30 pm
Twilight Hikes @ Sky Meadows State Park
Lost Mountain Entrance. Explore an enchanting evening amidst the rolling Blue Ridge Mountains as the sun sets and the world transitions from day to night! Embark on an easy guided hike that winds through lush[...]
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[...]
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