Save Smarter – Financial Fitness for Youth

6 Tips to Guide Children through a Healthy Relationship with Money

Presented by Member One Federal Credit Union

With school out for the summer, the kids are likely hanging around the house more than usual. Your little audience is watching and probably soaking in more than you realize—which includes how you manage finances. Healthy financial habits begin at a young age, so what better time to teach responsible spending and saving than during a break from the daily grind of school? Here are a few ways to help your kids get started on the path to financial success.

Set an example.  Parents who make poor financial decisions like impulse purchases, excessive credit card use, or have arguments about finances only confuse children about how to make smart money choices. Make a point to practice what you preach by not only explaining positive financial habits but demonstrating them as well.

Begin early.  Once children start saying, “I want,” it’s a good time to teach savings habits. While they won’t understand compound interest or annual percentage yield, you can explain how we sometimes have to wait for the things we want. Delayed gratification is an important lesson to learn.

Give commissions, not allowances.  There is nothing wrong with giving your child money each week, but it should be earned. Have them perform chores like mowing the lawn, taking out trash, or doing dishes. This will teach them the value of work and prepare them for adulthood, and starting a job outside of the home.

Make it visual.  For younger children, give them transparent jars to keep their money in so they can see their progress. For older children, it’s wise to open a savings account with a local credit union. Online banking can help them easily monitor their progress.

Set savings goals.  It’s much easier to put away money when you know what you’re saving for. If your child wants a game or pair of shoes, show them how much it costs and how long it will take before they can buy the item. You can also show them ways to reach their goal faster by earning more money through additional effort. 

Explain responsible credit card use. As a teenager, getting your first credit card can be very exciting. Make sure your child knows how to use the credit card wisely and warn them that they should only make purchases if they can afford to pay off the balance each month. It’s also important to explain what credit is and how it affects their future—from buying a car to getting their first mortgage.

Financial responsibility begins at a young age. Use these tips to help teach your child healthy money habits that will set the foundation for success now and continue well into the future.

Local Festivals

Opportunities to enjoy music, art, and fun in the coming months!

Written by Hayleigh Worgan

Festival season is here, and we couldn’t be more excited! There is nothing better than spending a long weekend enjoying the warm weather, scenic mountain views, live music, and local food in the company of good friends and family. In addition to FloydFest, there are several festivals within driving distance happening in the next few months that we hope you will support! Check out our favorites below, and let us know your favorites on our Facebook page.

The 14th Annual Horse & Hound Wine Festival takes place on July 14 from 11am-6pm at Johnson’s Orchards & Peaks of Otter Winery! Enjoy local wines from Peaks of Otter Winery, Rebec Vineyards, Tamahawk Mill, Ramulose Ridge, and more! Live entertainment will be provided by BigBossMan at this dog-friendly event. This is a great opportunity to learn more about the town of Bedford and support small businesses and local food trucks. Previous years have included appearances from the Virginia Donkey Rescue, a Parade of Horses, a Kiddie Korral, agility dogs, and even muskrat racing! Visit www.peaksofotterwinery.com for more information on ticket prices and how to purchase them. 

Can’t get enough of Floyd? We’re in the same boat. That’s why we will be attending the Cirque Du Floyd at Chantilly Farm August 17-18! Featuring performances from New York City’s ImaginAerial, Cheeky Monkey Sideshow, Mountain Circus Arts, Juggler Erin Riley, Magician Nelson Oliver, DanceAFire, Imagine Circus, StoryUP!, Miss Kitty’s Cosmonauts, Gartrell the Great, live music from The Get Right Band and Music Road Company, and more! Enjoy a beer and wine lounge, local food, crafts and workshops, sideshow stage and roaming performances, along with a lot of outdoor fun. Arrive by 2pm on Friday to take advantage of free tent camping for the weekend! Visit www.chantillyfarm.com for more information on the event and how to purchase your tickets.

Microfestivus celebrates its 21st anniversary this year! On Saturday, August 11, join the festivities from 12pm-6pm in downtown Roanoke. This is the premier fundraiser for the Square Society, a local 501c(3) nonprofit established to raise interest in awareness of the arts, as well as cultural facilities and activities supported by Center in the Square. This annual event has grown to be one of the largest beer festivals on the entire East Coast, and is a great opportunity to enjoy the ever-growing craft beer marketplace at an event that strives to offer a wide variety of local, regional, and national breweries. www.microfestivus.squaresociety.org

Floyd Yoga Jam’s four-day music, yoga, dance, and art festival will return from August 30-September 2. This is a great opportunity for beginner to advanced yogis to relax, learn, and make new friends! The 2018 lineup will include musical entertainment by Oddisee, Phoebe Hunt & The Gatherer’s, The Get Right Band, Morgan Wade & The Stepbrothers, Seph Custer, Dangermuffin, and more! Floyd Yoga Jam is known for their excellent lineup of professional teachers who provide instruction for a variety of classes. Participants can also enjoy nature walks, meditation, art classes, and lectures. This festival is kid-friendly and includes a Kid Village that will host yoga classes specifically designed for children. The food trucks and beverage options alone are excellent reasons to attend this event. There are multiple options for camping, including a glamping package. For more information, and to purchase tickets, visit www.floydyogajam.net.

Take Us to Piccadilly

‘Tis the season to uphaul your winter closet because summer is in full swing! The shops at Piccadilly Square on Franklin Road in Roanoke are stocked with perfect essentials sure to fit every plan on your list.

Punch Boutique

Featuring a fun and classy atmosphere with a “punch” of bright summer colors, Punch offers a variety of clothes and accessories to fit every personality. Quirky and sophisticated patterns are a popular trend this season and these blue lemon and lime shorts will sure to add some charisma to your closet. Pair these shorts with a classic white shirt and these geranium and gold tasseled earrings for a casual day on the town.

Lusso

Translated to “luxury” in Italian, Lusso’s relaxed atmosphere highlights unique upscale clothing items and accessories. This mint green multi-textured maxi dress would be great for a Sunday brunch and is a staple item for warm summer days. Add in an over-sized beach hat and espadrille sandals for a chic tropical look. Maxi skirts are also a popular trend for European summer vacations and can be styled in various ways, eliminating space on your luggage. This feather-patterned sheer soft pink skirt is ideal for strolling around town and has cut-out layers for a breezy look.

Yarid’s

If you’re looking for a fun summer shoe collection, Yarid’s will complete your look with high-end brands featuring Tory Burch, Jack Rogers, and TOMS. New to their store this month is a peach suede cross-body bag from See by Chloé. This simple bag matches with about any outfit and is a great alternative to a shoulder bag when going out. The gold rings indented on the outside add a pop of glitz to the classic look. To continue the fun colors, add these blue tasseled Brenle flats bySchutz, simple white jeans and a patterned top for the famous summer Palm Beach style trend.

 

 

 

 

Magnolia

You can’t complete your summer without a little home décor to splurge on. These greenery items from Magnolia will complement the natural look of your home and still keep the modern design with the engraved faces in the vases. The plants would be great on a sidetable or placed above books on a coffee table.

 

A shopping destination of women-owned boutiques featuring designer clothing and accessories to exclusive home décor and professional interior design services. Everything is at Piccadilly Square!

Written by Cassandra Kuhn

Flavors of Summer

Our new favorite local, handcrafted hot sauce!

Written by Hayleigh Worgan

Ryan and Chrissi Scherer, the husband and wife team behind Zen Pepper Company, are making waves in the local agricultural community. Born in Texas, Ryan has always loved hot foods. He began growing and experimenting with different hot peppers in his early 20s. Through this experimentation, he was able to discern how their flavors came to life once blended with other ingredients. In 2010, he began small-scale farming Virginia Tech’s sustainability center in Catawba, researching forms of organic crop management and environmentally-friendly irrigation methods. 

“Virginia Tech owns the Catawba Sustainability Center,” Chrissi explains. “They have great land that they lease to people trying to start small agricultural businesses. The center receives grants for sustainable types of tools, equipment, and practices they are able to implement. Ryan took a course that the Virginia Tech Cooperative Extension offered a few years back called, ‘Growers Academy.’ [The course] was geared towards farmers who wanted to step into developing a small business. We both have been growing and gardening for a long time, and that was his first step in beefing it up a little.”

Zen Pepper Company’s hot sauces first appeared at the farmers’ market at the end of 2016. There, Chrissi and Ryan met new friends through the Local Environmental Agricultural Program (LEAP). This connection, in addition to the popularity of their products, encouraged them to continue creating and sharing their sauces.

As their popularity has increased, so has their knowledge and implementation of sustainable practices. All of their hot sauces are created in a commercial kitchen, and they consider the impact on the environment with every step in their development. Pepper seeds germinate in soil blocks that they keep in their home. The couple avoids using high energy grow lights, and puts their lights on timers so they can cut down on energy usage during the growing process. They also implemented drip irrigation practices, which reduces the amount of water they use.

“The sustainability center is a fantastic resource, because they supply the means for us to be able to do that,” Chrissi says.

2018 promises to be a big year for Zen Pepper Company. They are discussing expanding their presence at the downtown Roanoke Co-Op, and plan on attending a couple of festivals this year (TBA). Their business has taken off, and their most popular sauce, Ginger Habanero, is flying off of the shelves. Last year, they grew about four hundred pepper plants during the growing season. This year, they have expanded to about two thousand, and are encouraged by how receptive Roanoke has been of their products.

For more information on Zen Pepper Company including where to find them and the flavors they offer, visit www.zenhotsauce.com. Find them on Facebook at Zen Pepper Co.

Get Wild at FloydFest!

Follow us up the mountain for fun, music, and an experience you will never forget!

Written by Hayleigh Worgan

It’s no secret, we believe FloydFest is one of the most magical places on earth. The 2018 “Wild” theme encourages visitors to be part of the magic and enjoy the beauty of the mountains around them. This year, FloydFest has new features to keep things fresh for returning festival-goers, in addition to the amenities we all know and love!

Entertainment will be divided among eight stages for FloydFest 18. Dreaming Creek Main Stage, the signature stage located in the main field, remains a familiar landmark. Additionally, Hill Holler Stage, the Ferrum College Workshop Porch, the Red Rooster Village Cafe, Children’s Universe, VIP Pub Stage, and Pink Floyd Beer & Wine Garden will return. The “Throwdown Tent” is a new addition this year, and will feature yoga every morning, hands-on demonstrations and workshops each day, and live performances in the afternoon and evening.

And speaking of performances—naturally, I am including a shameless plug for some of the amazing female-fronted bands throughout the festival! On Thursday at 3:30pm, check out the country and rock singer Nikki Lane on the Dreaming Creek Main Stage. Her third album was released in 2017, and her new music has been compared to Lana Del Ray, Jenny Lewis, Neil Young, and Tom Petty. Later in the evening, don’t miss Lindsay Lou. This trio will have you dancing by the Hill Holler Stage at 6:45pm on Thursday night! Their sound has been described as a mix of Americana, groove, roots, soul, and bluegrass.

On Friday, Lindsay Lou will play once more on the Dreaming Creek Main Stage at 3:30pm. Then, take a walk to the Ferrum College Workshop Porch to relax to the sounds of the Mama Said String Band at 5:30pm. This five-piece string band will prime you for an evening of dancing and celebration! The Broadcast, a soulful blues, roots, and rock band formed in New York City and developed in North Carolina, takes the Pink Floyd Garden Stage on Saturday at 12:45am. Finish out the evening with the “explosive vocals” of lead singer Caitlin Krisko. Fans of high energy performances by 1970s classic rock bands will love this set.

Saturday, head over to the Dreaming Creek Main Stage for smoky vocals of Nicki Bluhm at 3:30pm. Nicki is a singer, songwriter, and performer. She released her first album in 2008, and has toured throughout North America through the release of her subsequent albums, appearing at festivals like Bonnaroo, Outside Lands, Newport Folk, and Telluride Bluegrass. Next, VIP ticket holders will have the opportunity to catch the sounds of Morgan Wade & the Stepbrothers at 4:45pm on the VIP Stage. Morgan Wade is famous in Southwest Virginia for her country, folk, and high-energy Americana sound. Together, the band delivers “an intersection of rock, country, and folk that reflects the beauty, anger, hunger, and hope of coming of age in modern Appalachia.”

ZZ Ward will deliver an unforgettable performance on the Dreaming Creek Main Stage at 8pm on Saturday. Her second full-length album was released in 2017, and has been described as “equally evocative of blues grit and hip-hop bounce.” Ward has appeared on Jimmy Kimmel LIVE!, Conan, Good Morning America, The Tonight Show, and more. She’s toured with Eric Clapton, and performed at Coachella, Bonnaroo, Firefly, and Made in America. Enjoy her set, and stick around for Jason Isbell & the 400 Unit at 10:30pm and the “Buffalo Mountain Jam” at midnight.

There really is no shortage of excellent bands at this festival. Fan favorites, Leftover Salmon and Keller Williams, will return for multiple performances. Government Mule will take the Dreaming Creek Main Stage at 10:30pm on Thursday. On Friday, Foster the People will play on the same stage at 11pm. You’ll want to stay through Sunday, as Old Crow Medicine Show will play at 6pm on the Dreaming Creek Main Stage as well. In fact, music and celebration will continue until 1am on Monday morning. 

If music isn’t your thing, don’t worry! There are plenty of opportunities for outdoor adventures awaiting FloydFest guests. Last year, we enjoyed an “On the Water” adventure that included a catered lunch and three hours on the water. A 45-minute shuttle ride (either via school bus or 15 passenger van) will take you to the Little River for this canoe/kayak/tubing trip. Book your adventure for Thursday, Friday, Saturday, and/or Sunday. Make sure to bring your sunscreen and waterproof your phone or camera! You’ll want photos from this excursion!

FloydFest will also host the “Merry Moonstompers’ Famous Belcher Mountain Beatdown” on Saturday at 9:30am. This guided mountain bike tour depends the Blue Ridge and finishes with miles of handbill single track trail! This is not recommended for beginner mountain bikers, but there are miles of beginner-friendly trails in I.C. Dehart Park to explore at your leisure. Bring your own bicycle and helmet. 

Both the “On the Water” adventure and the “Merry Moonstompers’ Famous Belcher Mountain Beatdown” have small additional fees and require registration. Check out the FloydFest website, or register at the FloydFest Outdoor Experience Tent onsite (if space is still available). 

Runners will also love the Back Country Ski & Sport 5k Trail Running Race! Registration is free, and the race begins Saturday at 9:30 a.m. Top runners in several categories will receive prizes. The race will take runners through parts of the festival sites and continue with two laps on the Moonstomper Trail. 

There are also hiking and disc golf opportunities for whose who are interested. Visit the FloydFest Outdoor Experience Tent for hours and rules regarding usage. 

Ultimately, you will get the most out of FloydFest by staying all five days. Trust us, you will not be bored. On-site food trucks, craft beer, and wine are available for those who are interested. Between sets, relax in your hammock beneath the shade of the trees by your tent. 

And, if tent camping isn’t your thing, don’t worry! There are additional options for your overnight stay including Solid Ground Shelters for Glampers, Dancing Dave’s Festival Camping, The Show Sherpas, and Ferrum College Lodge & Learn. Regardless of where you sleep, every FloydFest is a once-in-a-lifetime experience that will have you wishing it would never end!

For more information on the festival, and to purchase tickets, visit www.floydfest.com. We can’t wait to see you there! 

Young Female Writers Club: Yasmeen Jaaber

Leading with the Written Word

Written by K.L. Kranes

The iconic Whitney Houston once sang of how children are the future and we should let them lead the way. Recent events have turned those lyrics into truth. Our children have stepped onto the world stage as the real leaders in the movement for equality and justice. Some speak out on television, such as the Parkland students. Others use a different medium, the written word. 

One such writer is 15-year-old Yasmeen Jaaber of Chesterfield, Virginia, who infuses her poems and stories with deeply personal experiences and ideas in the hopes of spreading a message of tolerance and love. It is the kind of leadership only our children seem to be able to achieve—honest, open and fearless.

Yasmeen started writing at a young age. In elementary school, she would come home every day and write stories on her sister’s computer. She’d always loved to read, but hated to finish a book. Writing gave her the power to continue stories as long as she wanted.    

At first, Yasmeen wrote what she called “silly stuff,” just for herself. As she grew older and entered her teen years, she started to view the world differently. “More issues became more prevalent to me,” Yasmeen explains. She suddenly found herself writing about her fears and hopes for America. 

As a Muslim-American and a black woman, Yasmeen feels it is important to talk about the issues facing minorities. “I need to use my voice as an artist to talk about something that really matters,” she says.

Talking to Yasmeen is like talking to a ray of sunshine. Her voice rings with positivity as she tells the story of how she made a video as a young girl in which she told her future self she would have a book published by the 9th grade. “My old-self was telling me what I could do,” Yasmeen says. This time-bending pep-talk exemplifies Yasmeen’s fearless, can-do attitude. 

Her younger self was also right. Yasmeen could do it. She recently published her first book, a picture book, through the Richmond Writer’s Workshop called Flea-Man. The book is about how a boy’s love of a superhero teaches him to learn to be himself. It can be purchased via the Richmond Writer’s Group website (http://www.richmondyoungwriters.com/picture-book-project/).

Although Yasmeen reveled in seeing her name on a book for the first time, it was one little boy’s response to her work that truly impacted her. “When I handed it to the little boy, he looked so excited and he ran upstairs to get his dad to read it to him,” Yasmeen explains. “That experience was really profound for me because it was the first time actually seeing the kids I was impacting with my story.”

Although Yasmeen oozes positivity, it does not always come naturally. “I often struggle with keeping a consistently positive attitude because it can be very exhausting.” It is not surprising. Prejudice has followed Yasmeen throughout her short life. “In school I’ve had many, many ignorant things said about my hijab,” Yasmeen explains. 

Like many minorities, Yasmeen feels as if she lives in a state of constant worry. The kind that makes her look over her shoulder or fear walking to the bus stop alone at night. “If I wasn’t Muslim or black or a woman, there’d be a lot of things I wouldn’t know. Being who I am, I’ve experienced things that have taught me lessons about being a minority in America.” 

Yasmeen channels these experiences into her writing, tackling topics many might view as controversial, such as homophobia and racism. Recently, she wrote a poem about burning the Confederate flag. It helped her sort through her emotions about the symbol, which she notes gives her shivers whenever she sees it. “When I finished it [the poem], it was more lyrical than I imagined,” Yasmeen says. “There was something so calming about it even though it was a crazy thing to write about.”

Yasmeen recognizes the importance of her role as a writer and how it can help change the world. “A lot of people just don’t know. If you grow up in a world where nobody tells you anything you’ll keep going as if what you’re doing is fine.” According to Yasmeen, writers have the power to open minds and change the world by sharing their perspectives in an intimate way, which is something Yasmeen does not shy away from doing. Yasmeen’s poems and stories tend to be intensely personal. 

One of the pieces Yasmeen is most proud of is a poem inspired by the recent #MeToo movement. In it, she writes a letter to the person who sexually assaulted her. “I felt the momentum from the #MeToo movement and I was so angry I had to get it out some way,” Yasmeen says. “I wrote the poem for myself, but I’m still insanely proud of myself for acknowledging it in such a detailed manner, and not breaking down. It’s really hard to talk about it, but writing about it is like going back in time.”

This type of raw strength to face personal injustice, prejudice and fear permeate everything Yasmeen writes. She is the type of fearless young woman needed not only in literature but in the world. She challenges the status quo, tries to help educate through her work and shares her own experiences to help open minds. Young women like Yasmeen Jaaber are our future and we will be lucky if they lead the way.

K.L. Kranes is a blogger and author of young adult novels. Her debut novel, The Travelers, was published in 2016 by Saguaro Books, LLC. See more from K.L. at www.klkranes.com/blog.

Summer Skin Savers

Don’t overlook a good facial mist when packing your travel (or pool!) bag this summer. Calm irritated skin, set (or reset) makeup, brighten a dull complexion, balance pH—it’s a simple product but one you need to make a habit of throwing in your bag. We’ve found 4 products perfect for balancing, hydrating and reviving your summer skin for an instant pick-me-up! 

Farmaesthetics Cool Aloe Mist   This simple aloe preparation is a multi-purpose product to restore and protect the skin. The herbal combination wards off travel related flu, colds, sinus infections and coughs. Aloe vera and lavender together provide moisturizing, anti-bacterial action for the skin and nasal passages, which is important in stale, re-circulated air. Use the Cool Aloe Mist to tone and refresh, set makeup, condition the skin or as a sunburn remedy.  www.farmaesthetics.com

Little Seed Farm Balance + Tone Facial Mist   Tone and refresh with this daily pH balancing and pore refining facial mist for all skin types (especially sensitive!). Organic aloe and blue German chamomile soothe and calm skin while reducing redness. Marshmallow root extract plumps skin with naturally present hyaluronic acid.  www.littleseedfarm.com

Mad Hippie Hydrating Nutrient Mist    The Hydrating Nutrient Mist offers a harmoniously hydrating blend to minimize the appearance of photodamage—perfect for face, arms and chest. You can find Mad Hippie products at EarthFare or online at www.madhippie.com.

Lotion Yon-Ka     This versatile healing water drenches your skin with the solar charged energy of five essential oils for purifying, toning and invigorating effects. More than just a toner, this alcohol and paraben free treatment will soothe and tone the complexion. With a gentle aroma, its energizing effects can be felt throughout the whole body.  www.shop.yonkausa.com

5 Tips for Getting your Finances Vacation-Ready

Learn how managing your money this summer can make travel season even easier

Presented by Member One Federal Credit Union

Planning for summer travel means choosing a location, booking your stay, and counting down until vacation time. It also means effectively managing and protecting your money so your anticipated getaway doesn’t turn into an unexpected staycation. Follow these simple tips for keeping your financial life in order before, during, and after vacation. 

Notify your financial institution before you hit the road. Nothing could ruin a vacation faster than a lack of funds due to a limited cash supply and/or a frozen credit or debit card because of suspicious-looking account activity. Letting your financial institution know that you’ll be traveling helps keep your accounts safe and avoids interruptions in your credit or debit card services, especially if you’ll be out of the country. Many financial institutions offer a simple online form that you can complete ahead of your travel.

Record card information and other important documents. Before you leave, record card numbers and customer service contact information, your passport, and insurance cards. Take photos of each item or write the information down on paper and keep it in a safe location, like a hotel safe. You can also store the information on your computer or email it to yourself. As long as you can locate an Internet connection, you’ll have quick access to this information in case you need to report that it’s been stolen.

Pay for larger purchases with cards. A credit card in particular offers the most security because, unlike a debit card, it’s not linked directly to your bank account—so there’s no risk of fraudsters gaining direct access to your money. Plus, purchases made with a credit or debit card might be replaced by the card company if the item is stolen. 

Don’t carry all your money at once. One tactic to keep cash safe is to split it up. Keep a certain amount in your wallet and another amount stashed away for later. Overall, the best approach is to carry a combination—a credit card for the majority of purchases, another card as a backup, and cash. While cash can be easily stolen, it’s a good idea to keep a small amount on hand in case you encounter a merchant or service that only accepts cash. 

Review your bank and credit card statements. Upon returning from your trip, look at your bank and credit card statements to check the accuracy of transactions. Get a receipt for every transaction made while on vacation and compare this to the total charged to your account. Receipts are also helpful to have on hand in case you have to dispute a charge with a vendor. 

Join Member One here each month for more money-saving tips and financial advice! Be sure to visit their website, www.memberonefcu.com, for more info on their products and services. Member One Federal Credit Union is federally insured by the National Credit Union Administration.

The regional magazine for women