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Pocket Change
April 2010 Volume 2 Issue 4
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Be an Advocate!
Forward this newsletter to a spread the word about the Purses to Portfolios program. Imagine the impact of your outreach!
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Not on our list . . .
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I AM IN CHARGE OF
MY MONEY
Proudly display that you are IN CHARGE OF YOUR MONEY! With
a minimum donation of $5.00, Purses Participants will receive a car ribbon
magnet. Send a check made out to DFLI and include your address and a magnet
will be mailed to you. They will also be available at upcoming events.
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 We are preparing a program to let our sponsors and contributors know about
The Money School and From Purses to Portfolios and I need your
help. Are you willing to come to an event and share your experiences of how The
Money School has helped you or made a difference in your life? Have you
reduced your debts? Bought a house? Improved your credit? Started a
business? Started living within your means? Started a rainy day fund
or increased your savings? If you answered yes to any of those questions,
I need your help!
Please send me a short email telling me what you would share.
Thank you!
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CLEAR OUT CASH IN!
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Tuesday, April 20, 2010
6:00-8:00pm
Looking for extra cash? Don't miss this special session on maximizing
garage sale profits, selling on consignment, ETSY, and eBay. EARN TWO PURSES HOURS!
At the Theatre N in the Nemours
Building 1007 N. Orange
Street, Wilmington
EXTRA SEATING AND SNACKS!
Earn Purses Hours! Parking Validation at Theatre N Garage FREE, But registration required. REGISTER NOW at www.delawaremoneyschool.com
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What You Need to Know
About Social Security
Tues., Apr. 13, 12noon-1:30pm
Claymont
Community Center
Ben Shamburger, Social Security Administration
Saving on a
Shoestring Budget
Wed., Apr. 21, 11:30am-1:30pm
Claymont
Community Center
Maria Pippidis, UD Cooperative Extension
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Tax Talk
Need a Tax
Extension?
 Don't have your taxes ready yet? Need an extension?
If you
cannot complete your tax return on time, you may request an extension. Form
4868 has details, including various options for getting an extension by filing
or paying electronically. There is also a special toll-free number for
requesting an extension by phone - call 1-888-796-1074 until midnight, local
time, on April 15. Make sure you understand all of the terms and conditions of
filling for an extension before you do it!
For more information: IRS
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EARN PURSES HOURS!
 In recognition of
Financial Literacy Month, SBA will be hosting free financial education webinars
on April 7th, 14th, and 21st at 11:00 am and 3:00 pm Eastern Standard Time.
Webinar Topics
Include:
· Basic Banking/Financial Tips for Small
Businesses
· The Importance of Financial Education
in the Workplace
· Your Money, Your Choices, Your Future
· Personal and Business Money Management
List 3 new things you have learned, and 3 things that you
can use or that apply to you. Attach the lists to your log. You can receive one hour for
each webinar and one hour for the written attachment. No credit without the attachment.
CLICK TO CHECK IT OUT!
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SAVE THE DATE!
October 23, 2010
Purses to Portfolios Conference
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Be honored at our 4th
From Purses to Portfolios Conference...
if you reach a new level by September 15th!
Pin up this thermometer
to track your progress
taking charge of your money!
What's your temperature?
How "hot" will you be in time for the Conference?
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FAIR HOUSING EVENTS!  DCRAC, CLASI, and
DCJ present:
Re-entry: A Fair Housing Perspective APRIL 20, 2010 12:00 Noon to 2:00
PM Community Services
Building Room 105 100 West 10th Street, Wilmington, DE 19801 RSVP: 302-654-5024
x 300 (or 301 Spanish)
Disability &
Aging: A Fair Housing Perspective April 22, 2010 12 noon to 2 pm Dover Public Library 45 South State Street. Dover, De 19901 RSVP: 877-825-0750
x 300 (or 301 Spanish)
Disability &
Aging: A Fair Housing Perspective April 29, 2010 12 noon to 2 pm William A. Carter Partnership
Center Del Tech Owens
Campus on Route 18 off 113 in Georgetown RSVP: 877-825-0750
x 300 (or 301 Spanish)
GET YOUR LOG SIGNED FOR PURSES HOURS!
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SCHOLARSHIP OPPORTUNITY
The Fresh Start
Scholarship Foundation, Inc. is pleased to announce the continuation of the
Fresh Start Scholarship. The Fresh Start
Scholarship Foundation has funds available to award scholarships to deserving
women in  financial need for academic year 2010-2011. Our scholarship is specifically designed for
women who have interrupted their education for various reasons and now seek to
return to school to better their status and their opportunities. There are scholarship funds available to
students in ALL majors. We ask that
candidates be recommended by a social service agency or by a college or
university. The Fresh Start Scholarship
Foundation, Inc. Board of Directors, based upon the applications received, will
make all decisions regarding the recipients and the amounts of the awards.
The application is
available in PDF format online at www.wwb.org.
It is very important that each application is completed entirely before
being submitted. PLEASE NOTE:
Applications for the 2010-2011 academic year must be postmarked by May 31,
2010.
For questions
concerning the Fresh Start Scholarship or to receive an electronic copy of the
application, please send an email to fsscholar@comcast.net or call the WWB
office at 302-656-4411.
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Mary and Money
Let Me Consult the Board
Mary Caraccioli
One of the greatest gifts you can give yourself is a personal advisory board. This is a group of people that represent what you aspire to be or to make happen. The challenge is that before you can be intellectual or strategic, you need to find balance or a creative breakthrough. Often this decision or the course of action, feels like an important crossroads and you feel its weight. Your advisory board should be people who have what you want in one form or another. Each member is someone for whom you have a great deal of respect. And no, you don't all need to gather for one meeting in a boardroom. Phone calls and one on one meetings are perfectly effective.
When you embark on something big, something that is really challenging, you will be tested. Lots of fabulous clichés come from these times. Here are a few of my favorite: What doesn't kill you makes you stronger. When the going gets tough, the tough get going. It is always darkest before the dawn. You have heard them all. But what is missing from the clichés is that it is cool to ask for help. This is not the time to turn inward, even if that feels safer. It is the time to pull-in the people who are the best and the brightest in your world. Don't expect them to make the big decisions for you, but get their counsel.
What this will do for you, besides the obvious of getting good advice and maybe some fresh ideas - it will take you outside of yourself and force you to confront the hurdles that seem the most daunting. When you open yourself up to your hand-chosen advisors, you are living out what it means to trust. Throughout my life, I have had to turn to my advisory boards during crucial turning points. The members may change, or stay the same, but what has been consistent for me over the years is the meaningful difference these people have made in my life during my biggest challenges. Pulling in the counsel of others and being willing to be good counsel is the rich stuff that when the hurdle is overcome, becomes the material for rewarding memories.
Check out Mary's website Mary Talks Money.
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FREE-Learning
By Bill Hogan
E- Learning enables you to learn just about anything you'd
like to learn without paying a dime for tuition and without ever leaving your
home. Whether you are interested in learning about world history or molecular
biology, master a new language or learn to play the guitar, E-Learning is your
cheapest and best shot.  E-Learning doesn't earn you academic credit but it
allows you to learn whatever you want, whenever you want and it's FREE. Dan
Colman, who directs Stanford
University's continuing
studies program, considers these materials to be an important resource for
personal enrichment, not a replacement for a college education. "I think we are
entering an era where lifelong learners will have access to limitless amounts
of free, noncommercial educational opportunities. Arguably, we're already
there."
Here are some tools and tips from the article to keep you at
the head of your e- learning classes:
1)Type
of Internet Connection- Most of the time you will need a high-speed internet
connection (cable, DSL, etc.)
2)Know
How to Play Audio and Video Files- Sometimes it's as easy as hitting the play
button.
3)Keep
track of the Files- Create folders and subfolders.
4)Book
Hard Copies- Many online university classes require textbooks. Abebooks.com and
Alibris.com sell inexpensive textbooks.
For the complete article visit: How
to Learn Just About Anything Online ... For Free
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April is Stress Awareness Month
 April 2010 is Stress Awareness Month.Why April? Could be because taxes are due and
people are stressed out. During the month, health care
professionals and experts from across the country will join forces to increase
public awareness about the dangers of stress, successful coping strategies, and
harmful misconceptions about stress that are prevalent in our society.
For the complete article: Stress
Awareness Month |
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Deal of the Month |
Pandora Radio
Pandora is an internet radio service that was spawned form
the Music Genome Project. Users are able to enter songs or artists they like
and the service develops a radio station that plays those types of songs.
Subscribers have two options: a free account that is supported by
advertisements, or a fee-based account without ads. Users are able to give
songs the 'thumbs up' or 'thumbs down'. Pandora also provides links to Amazon
and iTunes where users can purchase songs. Recently, Pandora has launched
mobile applications that allow users to stream their Pandora stations to their
iPhone, iPod touch, BlackBerry, Android, Windows Mobile or Palm Pre devices
using WiFi or their cell phone provider's network.
Check out Pandora Radio at www.pandora.com
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COOKING ON A BUDGET
We all know that feeding a family of 4 can get pretty expensive. We decided to include, in this and upcoming newsletters, some inexpensive and delicious recipes that will help you save money on food and still give your family the balanced diet it needs. All this for UNDER $10...
Parmesan Chicken
Prep Time: 15 minutes
Cook Time: 30 minutes
Approximate cost for four servings: $4.80
Ingredients:
1/4 cup Dijon or coarse ground mustard
1/8 cup apple juice
1 cloves garlic, minced
1 Tbsp. butter, melted
1 cups fresh soft bread crumbs
1/2 cup grated Parmesan cheese
1/8 cup ground almonds
2 Tbsp. butter, melted
1/4 tsp. salt
1/10 tsp. pepper
1/2 tsp. dried basil leaves
4 boneless, skinless chicken breast halves
Preparation:
1) Line a 13x9" pan with heavy duty foil and add a wire rack. Preheat oven to 375 degrees.
2) In shallow pan, mix mustard, apple juice, garlic, and 1 Tbsp. melted butter. In other pan, mix the crumbs, Parmesan cheese, almonds, 1 Tbsp. melted butter, salt, pepper, and dried basil. Toss until evenly mixed.
3) Coat chicken in the mustard mixture, then roll it in the Parmesan cheese and bread crumb mixture until thoroughly coated.
4) Place the Parmesan Chicken on rack on top of the foil. Bake for 25-30 minutes, until golden brown and thoroughly cooked.
Note: You have to use soft fresh bread crumbs for this recipe; bread crumbs you make yourself by crumbling or processing fresh bread. DO NOT use the dried bread crumbs you buy in the supermarket; you'll have way too much left over. You can use shredded or grated Parmesan cheese.
Buttered Baby Carrots for $2.30
Ingredients:
1 package baby carrots
water to cover
2 Tbsp. butter
salt and pepper to taste
Preparation:
Place carrots in saucepan and add water to cover by 1/2". Bring to a boil over high heat. Lower heat to medium and simmer carrots for 3-6 minutes until tender when pierced with a fork. Remove from heat, drain carrots, turn heat off. Return carrots to saucepan and add butter. Place on burner with heat off. Let butter melt; stir gently to coat carrots. Sprinkle with salt and pepper and serve. 4 servings |
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