They advise to prepare familiar budget Machicao rosary For many economists, the base of a financial well-being, independent of the amount of money that a person gains, is the budget.
According to Oscar Challenge, assistant of the vice-president of the area of loans of Bank of America, is due to make two things at the beginning of year: to review receipts of the payments of services and to plan a saving, based on which he is wanted to obtain (to buy a car, to go away of vacations, to begin to study, etc.).
“It is necessary at the beginning of year, to review that one is not becoming dull expenses in the services”, he said Challenge. For this reason, if we paid much by a plan of cellular, whose minutes we did not use: to modify the plan. If we see that we have spent much in electricity, water or heating, to make the readjustments to pay less.
In the aspect of the planning, Challenge recommends to begin to review the credit, by means of a company by Internet. To the knowledge which is its state, to do the possible thing to improve the puntaje, since it will serve to realize future transactions, as the purchase of one marries, car, etc.
“If a person wants to save for something specific, it must know how much it is going to him to cost and soon to divide it in the 12 months, so that it knows quantitatively how much it will save weekly, biweekly or monthly”, the specialist added.
This money also can be derived automatically from its account of savings, so that the person does not have to separate the money, but will be in the bank immediately deposit its pay to him.
The credit cards must be reviewed and to be sure that it has not been used more of 50% of his limit, since this harms the credit.
Organization
The organization is something of vital following a budget. One is due to locate receipts in a special place, of being possible, writing in a calendar the dates in which they expire, to pay them ahead of time. And every week to sit down and to write checks and to send the payments. Soon to keep the tests from payment at least during six months to verify that they have been realized.
It is necessary to include in the budget, besides the saving, a fixed amount for unexpected expenses, so that in this eventuality, does not have to use neither the money to pay the accounts, nor the one of the saving.
It administers his money
• It takes to lunch or coffee of his house the work to avoid to buy it in outside.
• It separates his desires of his needs, not to spend in unnecessary things.
• It writes down all expenses, since it will be easier to reconstruct his budget.
• If it has direct deposit, transfers money biweekly because it is easier to save if it is an automatic process.
• It changes or it reduces his services of cable, telephone, etc.
• Instead of to buy books or magazines, it visits the libraries have that them.
• It tries to reduce the invoices of electricity of his house, extinguishes the lights that do not use, buys more efficient centers, etc.
They offer medical services without needing insurance
Machicao rosary
By more than 50 years, Community Health Services, organization for charity offer basic medical services to all the people who live in the county of Mecklenburg without concerning migratory his estatus or if they have a health insurance.
The services that this organization provides are mainly three: clinic, access to the program Physicians Reach Out and the Nurse-Family program for pregnant women.
Programs and services
The services of the clinic are offered by a medical one, the Dra. Kaaren Sailer and a personnel of 25 people of who, 12 are bilingual and speak Spanish.
“We offer the main services of a familiar doctor, except whom they need to go to the room of emergencia”, the executive director of this organization said, Jen Algire.
Community Health Services has three programs
The clinic offers services of basic health to adults and children whom they do not have safe of health. This service has a cost average of $50 if it is going to see a doctor and a cost smaller itself is going to speak with a nurse about a medical prescription.
“This service is offered without no type of requirements. We did not request health identification surely nor. All are welcomes”, said the executive director.
The year they take care of 10.000 people approximately, of who around 50% they are Latin.
“We have bilingual personnel whom to information and aid give him to feel in confidence”, it limits Algire.
The second programs and service that offers this organization is Physicians Reach Out that provides medical services general and specialized people who live in the county of Mecklenburg, which they do not have safe of health and that they try to have low economic income.
Finally one offers medical services to embarrassed women to help to the women in preventive practices of health to improve his health and the one of his children. That program is available to the women after the 28 weeks of pregnancy.
The prescriptions generally are of generic medecines or it talks about the patients to MedAssist to receive them of gratuitous way.
The insurance of health in numbers
According to this organization, 20% of the residents of Carolina of the North that work full-time, do not have an insurance of health, 1.500 of these residents lose their cover of health every week.
Between 1999 and the 2008, the cousin who pays a family by medical insurance annually has increased in a 119%, which in 1999 was $5.971 in the 2008 arrived at $12,680.
Finally, 62% of the personal bankruptcies were related to medical debts and close to 50% of the hypothecating executions also they were related to the medical debts.
Community Health Services
601 E. 5th Street, Suite 140
Appointments the telephone: 704-375-0172.
Attention of Monday through Friday
of 8:00 a.m. to 5:00 p.m.
They award to family with dinner of year end
The 1030 A.M. Leader in Radio and Food Lemon Latin Flavor, granted the 31 of past December a pantry with several food to the family of Maria Camila Ceballos in Charlotte, like part of their celebration of year end.
“We received the pantry with surprise on the one hand and with much joy, I am been thankful with God, because these products served much to us, it was our dinner of year end and they are going to serve to us until the month end. I thank for to the 1030 A.M. Leader in Radio and to Food Lemon Latin Flavor”, Mrs. Ceballos said.
They celebrate Day of Kings
The past Sunday 3 of January the Puerto Rican Cultural Association celebrated the Day of Kings Magos with the children in the Library South Regional County. The children, grandsons and relatives of the members of the Association listened to the reading of the story of the Three Kings in English by Judy DeSalle, Vice President of the Association and in Spanish by Columbus-Snow Dawn. As it is custom in Puerto Rico, the children next to their parents prepared the small box of shoes that will put under their bed and where the Three Kings left to their small gifts day 6 of January. The children enjoyed some treats and received a small toy like gift.
