Homeowner woes real but not widespread

first_imgIn the mid-1980s, sales and prices built to record levels. Then the market tanked, with both sales and prices falling for a prolonged period. Then in the latter part of the 1990s, both sales and prices took off again, with prices reaching record highs. Then at the end of 2005, sales fell off a cliff and prices sort of stayed put. So it figures that a down market will bring an uptick in foreclosures. What’s not clear is how bad the problem will get. “Are the current foreclosure rates normal? Below normal? Above normal?” Blake wondered in his outlook. “In truth, we don’t quite know what normal foreclosure rates for the Valley are.” `Normal’ is not a term that can be applied to foreclosures in the San Fernando Valley even though the number of people who lost homes in the first quarter is 16 times higher than two years ago. That’s the conclusion of Daniel Blake, director of the San Fernando Valley Economic Research Center at California State University, Northridge. He made this point last week in releasing the university’s Economic Forecast for the San Fernando Valley. In fact, Blake agrees that there hasn’t been anything normal about this boom-bust-boom-bust market that dates back to the middle of the 1980s. A bar chart of foreclosures, houses that actually got taken away from people, shows very few from 1988 to 1991. Then they start a rapid ascent that peaks in the middle of 1995, falling back and then hitting another peak in 1996. By 2004 they are down in the 1988 range again. That increasing rate came at a time of massive economic restructuring first and then the Northridge Earthquake. Nothing normal about the way that chart looks or those two events. Current numbers do show a troubling trend. During the first quarter, 1,728 Valley homeowners from Glendale to Calabasas received notices that their mortgage payments were late. DataQuick Information Systems began tracking this statistic, notices of default, in 1998. At that time, just more than 2,000 homeowners received NODs. So while this year’s first quarter number is close to that one, there is no comparable one for the mid-1990s. And that was a time when foreclosure activity resulted in a real estate fire sale. Blake’s analysis also shows that actual foreclosures bottom out in the 2005 first quarter, with 25 across the entire Valley. In the latter half of the year that total doubled to 50. In the first quarter of this year, 408 families lost their homes in a market that is entrenched in a deep sales slump. But in the down market of 1996, more than 1,800 owners lost homes in the year’s third quarter. Both notices of default and actual foreclosures will likely increase in the coming months. But it most likely won’t be like the mid-1990s again. Blake is not the only one suggesting this, either. Last week Federal Reserve Chairman Ben Bernanke sounded a similar theme, saying the central bank is considering tougher rules to crack down on abusive practices by mortgage companies. He also said that the overall economy should be spared significant harm from subprime market problems. He told Congress that it’s likely there would be further increases in mortgage delinquencies and foreclosures this year, and in 2008 it would not be enough to derail the overall economy. He said he believed the financial system would be able to absorb the losses from the subprime mortgage loans that go bad without major difficulties. “We do not expect significant spillovers from the subprime market to the rest of the economy or to the financial system,” Bernanke said, according to the Associated Press. greg.wilcox@dailynews.com (818) 713-3743160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set!last_img
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Nonprofit decks out needy kids for school

first_imgThe organization parked its 72-foot trailer – which, in addition to carrying uniforms, clothing, backpacks, shoes and socks, has built-in fitting rooms – at Reseda Elementary School. There, volunteers handed out clothing, grooming kits and other items to elementary- and middle-school-age children from throughout the west San Fernando Valley. “I think it’s awesome,” said Rosemarie Kubena, the school’s principal. “It gives us an opportunity to reach out to families we ordinarily wouldn’t help. “The kids light up. They get all the attention and clothing and brand new shoes. They get a chance to get something for them. No hand-me-downs here.” Operation School Bell relies on donations from the community. Its trailer, Operation School Bell On Wheels, is scheduled to make four trips to the San Fernando Valley this year. Each year, about 6,000 children in the Los Angeles Unified School District with limited resources receive support from the the operation and its many volunteers. Needy children through the 12th grade are also welcome to visit the nonprofit organization’s facility in Hollywood by appointment. On Thursday, youngsters with the Los Angeles School Police Department Explorer program, preparing themselves for a career in law enforcement, helped the children try on shoes. “Some of these kids’ parents can’t afford new clothes or shoes,” said police Officer Don Norek, who was supervising the future law enforcement officers. “This is an opportunity for the kids to feel better about themselves, and their self-esteem goes up.” angie.valencia@dailynews.com (818) 713-3699160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set! RESEDA – April Bonilla, 7, went on a shopping spree with her little sister Thursday, grabbing everything from school uniforms to shoes. A pair of pink-and-white Skechers sneakers caught the second-grader’s eye. “They’re girly,” April said. “They’re pretty … I’m going to wear them right now.” The sisters were among hundreds of low-income students to receive free goodies donated by Operation School Bell, a Hollywood-based nonprofit charity that helps students from low-income families. last_img read more

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NUJ asks Donegal Democrat owners to reconsider planned redundancies

first_imgThe National Union of Journalists has asked the owners of the Donegal Democrat newspaper to reconsider laying off some of its staff.Iconic Newspapers has proposed to cut three reporters from its Letterkenny office in recent weeks.But the NUJ said the company must halt the proposed redundancies at the Donegal Democrat and negotiate with the union. A statement from the NUJ said “Three staff positions are being targeted by the company, even though journalists at the paper are already struggling with heavy workloads. The company is offering only statutory redundancy to those it wants to make compulsorily redundant.The NUJ has contacted the company to seek talks but has not received a formal response from Iconic. As a result, the NUJ has written to all the politicians including TDs, senators and councillors in Donegal; asking them to contact the group editorial director, Alan English, to tell the company to stop the redundancies and engage with the union.Ian McGuinness, NUJ Irish organiser, said “The Donegal Democrat is a vital part of the county’s democracy. It is pivotal in informing local people about what is going on in politics and current affairs. To cut staff in the Donegal Democrat will increase the workload and stress on the journalists that remain, and will hurt the quality of journalism in Donegal as it is bound to negatively impact on the newspaper’s reporting ability.“Furthermore, not only is the company refusing to acknowledge, let alone answer, the NUJ’s requests for collective talks; it also isn’t conducting a formal, objective redundancy consultation process. Therefore, the NUJ will take cases to the Adjudication Officer Service and the Labour Court on behalf of any member who has their rights trampled upon. The union will not stand by while our members are unceremoniously dumped on the dole queue.”Séamus Dooley, NUJ Irish secretary, added this is a perfect example of why government needs to convene a Commission on the Future of the Media in Ireland.He said “While we have always advocated the establishment of a Commission because of problems with diversity and media ownership in Ireland; we also need to address the drastic cuts that have been, and are still being made, to local media. Cuts directly impact on the media’s ability to cover council meetings, court hearings, and current affairs in the locality; as well as the local impact of decisions made in the Oireachtas.“These cuts in the Donegal Democrat must be stopped and Iconic Newspapers should immediately sit down with the NUJ to collectively discuss its proposals. A new way of supporting local newspapers must be found as they are vital to our democracy. One thing is certain, cuts will not strengthen these newspapers. They never have and they never will.”Those wishing to tweet their support to the Donegal Democrat NUJ Chapel or send a message to the company can use the twitter hashtag #donegaldemocrat NUJ asks Donegal Democrat owners to reconsider planned redundancies was last modified: November 17th, 2017 by StephenShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)Tags:Donegal DemocratjobsNUJredundancieslast_img read more

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“I’m delighted with the honour, I hope they don’t think I’m on the way out!”

first_imgOne of Donegal’s best-known actors and writers will be honoured at a special reception in his home district tomorrow.Rann na Feirste native Niall Mac Eachmharcaigh will be honoured by the Glenties Municipal District of Donegal County Council at a reception in Dungloe on Friday 20th April. This special reception, which will be hosted by Cathaoirleach Cllr. Micheal Choilm MacGiolla Easbuig, is being held in recognition of Niall’s outstanding achievements in the arts and promotion of the Irish language. Speaking to Donegal Daily ahead of the event, Niall shared his delight with the recognition. “I got word about it a few months ago and got a bit scared. They normally do these things for people after they’re gone. I’m delighted with the honour, but I hope they don’t think I’m on the way out!”Niall isn’t going anywhere – he has been at the heart of some of Ireland’s most iconic TV programme on TG4. He has been a Ros na Rún stalwart for the past 16 years, starred in numerous dramas and comedies, as well as being a key writer and director of the much-loved Donegal comedy C.U. Burn, starring the late Seán Mac Fhionnghaile.Ros na Rún’s Donegal Daly family“I was always into drama. I used to say I was born acting. When the midwife was slapping me on the backside I knew I was to start crying. “I fell in love with the act of acting when I saw the first drama on stage in Rann na Feirste. I was about 13 or 14. I was hopeless at the beginning but it is something you learn if you have the interest. You learn something new every day,” he said.Even on the set of Ros na Rún, where Niall has played John Joe Daly for 16 years, he said he is always learning. Donegal is well-represented in the Irish-language soap, with Donegal women Máire Uí Rabhartaigh, Brídín Ní Mhaoldomhnaigh and Máirín Dé Buitléir co-starring in the Daly family alongside Pól Penrose as Colm and Seán Ó Baoil as Adam.Brídín Ní Mhaoldumhnaigh, Niall Mac Eamharcaigh and Máirín De Buitléir . Photo Martina Regan.Niall said: “I love Ros na Rún, I say it’s better than working. It’s like an extended family. One day we had seven Donegal people on set together – the more the merrier! One man came in and looked around and said, the Donegal people are like Japanese Knotweed. Once they get their roots in they’re going nowhere.”Image: Ros na Run, TG4Ros na Rún wrapped on Season 22 in February, giving the cast a six-month break. Niall has been spending time at home in Donegal ‘working on wee scripts here and there’ and taking part in local arts events including judging the Féile Scoil Dramaíochta. It’s a good time to be part of the Irish drama scene, Niall says. “If you can speak Irish it will broaden your horizons. Apart from Ros na Rún, TG4 do many drama programmes and it is so beneficial to have Irish. There are a lot more opportunities with the language, and it’s important to be out there in the public eye.”Being with TG4 from the early days means Niall is a very recognisable figure in the world of Irish TV and drama. This Friday’s council ceremony will give the Donegal man due recognition for his many achievements among family and friends – followed by a great home celebration. Featured image: Niall Mac Eachmharcaigh ar Comhra TG4. Image: TG4“I’m delighted with the honour, I hope they don’t think I’m on the way out!” was last modified: April 21st, 2018 by Rachel McLaughlinShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)Tags:c.u. burndramaNiall Mac EachmharcaighRann na FeirsteRos na RúnTG4last_img read more

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COUNCILLOR CALLS ON LOCAL AUTHORITY TO NAIL ITS COLOURS TO THE MAST FOR DONEGAL TEAM

first_imgA Letterkenny Town Councillor is to plead with his own authority to make more of an effort in showing its support for Donegal in the lead up to the All-Ireland Final.Cllr Jimmy Kavanagh says the people of the town are doing their bit to decorate their houses and businesses in green and yellow.But he says the Letterkenny Town Council could do a lot better in helping to get the town ready for the big day at Croke Park. The Fine Gael politician is to now lobby the council to splash the cash to decorate roundabouts and the town’s Main Street in the team’s colours.He has put down a motion ahead of next week’s meeting of the council calling on the authority to “play an active part in decorating the town in the county colours ahead of the All-Ireland Final.”Cllr Kavanagh told Donegal Daily “The people of the town and the two GAA clubs are pulling out all the stops in showing their colours.“But I think the council could do a little more and I am going to raise it at the next meeting of the council on Monday. “It’s been 20 years since we were in an All Ireland Final and it could be the same again.“This is our chance to show off our town and our county and I think we, as a council, can do a little more,” he said.Cllr said said he appreciated that there was very little money about in the present climate.But he said he will be speaking with Town Clerk Paddy Doherty to see if there are any public funds which can be wisely spent.“I am not talking a fortune but I think we should try and find ways of decorating our roundabouts and our Main Street in the county colours. “Many other towns throughout the county have gone that extra mile and nailed their colours to the mast.“There is rightly a huge interest in the final and we should let the team know that the people of Letterkenny are 100% behind them,” he said.COUNCILLOR CALLS ON LOCAL AUTHORITY TO NAIL ITS COLOURS TO THE MAST FOR DONEGAL TEAM was last modified: September 8th, 2012 by StephenShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)Tags:Letterkenny Town Councillast_img read more

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GAA NEWS: FORMER BUNCRANA PLAYERS REACH ALL-IRELAND JUNIOR FINALS

first_imgBuncrana GAA NotesClub Presentation NightDid you make a hames of St Valentines, fail to get your loved one flowers or treat them to a good night out? Well, Buncrana GAA is coming to the rescue! Club Presentation night will be on Saturday 21st Feb. Tickets €15 each which includes a buffet followed by presentations and disco. This promises to be a good social occasion and will generate funds for the club too…go on, share the love! Tickets can be purchased from:Pauline Grant 0864401203Mary McKinney 0863169809 Claire McCarron 0863340965Good Luck LadsThe Club is rooting for our two former members, Matty Deeney and Declan Walsh, who will be lining out for their clubs in the Junior Club All Ireland finals next weekend – Matty Deeny for football with John Mitchels of Liverpool (and Declan Walsh in hurling with Fullen Gaels of Manchester. Both players played all their underage Football/Hurling with Buncrana and its good to see the Club nurturing such future talent.Bums on Seats…Bicycle seats that is! The Club needs 20 committed cyclists to take part in our Mizen to Malin Club Fundraiser later this year. So far we have around half that but we need a few more to ensure the event goes ahead. There will be a meeting in the Clubhouse at 8.30 pm February 17th so please come along if you want to get involved in any way.Starting from Mizen on June 30th and ending in Malin on July 5th, the Club has earmarked this as our major fundraising event for 2015 and will be donating a good slice of the proceeds to a local charity. This event will be a prime example of our Club fundraising to support our young people’s activities and contribute to local community development at the same time. Anybody interested in doing the cycle or helping organise please contact Brian Stokes. This is a massive undertaking and lot of support roles need to be filled. See you at the meeting on February 17th!Donegal GAA YearbookDonegal GAA Year Book is available now. This is a good read and amazing to see how much the club achieved in 2014 – here’s hoping we do as well or better in 2015. For your copy contact Grainne on 0864650200.Underage News TrainingFootballU16 Boys Football Monday’s 4.15pm in the Scarvey.U14 Boys Football Training will start on Saturday February 14th at 2pm Sharp in Scarvey. Training will be on Tues evenings from 7 – 8.30p, and Fridays from 4.30pm to 6pm. Anyone who wants to come back or try Gaelic are more than welcome to come down. Don’t Forget Gum Shields, Boots and €2 – Any questions contact Aidan on 0862762671U10 Boys Football Saturday’s from 4.30 – 5.30pm in Buncrana Youth Club. Any queries please contact Manager Leo Gill (086) 086 8260. Don’t forget Gum Shield and €2. All new members welcome.U6 Friday evening 6.30 – 7.30U8 Boys Football Saturday’s 3.30-4.30 in Buncrana Youth Club.U8 & U10 Girls Saturdays 10.30 – 11.30HurlingU8 & U10 Sunday 11amU12 Mondays 6.30 – 7.30A parents meeting for the U12 boys will be held in the Scarvey at 8pm on the 11th of February. It is important that at least 1 parent of each child attends for information about the year ahead.All training takes part indoors at Crana College so no excuses about bad weather! All past members welcome but we will be particularly happy to see loads of new faces. Come along and meet your friends, make new ones, get fit and healthy and play your national games.Girls Football Wednesday nights in Illies Development CentrePlease note that U12 girls has been changed to 6.30 – 7.30pm (U14’s also on at this time). We will be moving back to our usual Monday night in the Scarvey when we go back to outdoor training in a few weeks. Please bring water & €2. All existing and new players are most welcome.Under 14 6.30 – 7.30Under 12 6.30-7.30Senior 8.30 – 9.30Club Website
Want to keep right up-to-date on local Buncrana Club news? Just enter your email address into “Receive Club Notes by Email” on the club’s homepage at http://www.buncranagaa.com/ to automatically receive the Club’s Weekly Notes.You can renew your annual membership online now at the website too – and you don’t even have to be in Buncrana! Membership now open worldwide…just click on the link below to renew online http://www.buncranagaa.com/buncrana-gaa-club-membership/Club LottoThere was no winner of this weeks jackpot which will now go up to €4950. Lotto no’s drawn: 18, 20, 25, 26.Club Notes: Anyone who would like to receive a copy of the weekly club notes should email Jim at buncrana.pro@gmail.com to be included on the mailing list. If you have any items which you think should be included in the club’s weekly notes, please email Jim at buncrana.pro@gmail.com by 6pm on each Sunday for consideration. To keep up to date with all the latest goings-on, please join us on www.facebook.com/buncranagaa or www.twitter.com/buncranagaa@buncranagaa , or visit our website www.buncranagaa.comGAA NEWS: FORMER BUNCRANA PLAYERS REACH ALL-IRELAND JUNIOR FINALS was last modified: February 9th, 2015 by Mark ForkerShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)Tags:buncranaGAANoticesSportlast_img read more

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AN GRIANAN CONFIRM LEAK AT THEATRE BUT SAY REPORT SENT TO COUNCIL

first_imgAn Grianan Theatre has confirmed there is an issue with the theatre’s roof which has resulted in leaks to the administrative office and first dressing room.The Letterkenny theatre was at the centre of a safety scare after a former committee members expressed concern at the leak.Paddy O’Connor said action needed to be taken immediately to prevent the leak from becoming a major issue. A spokesman for An Grianan said “These spaces are adjacent and are based on the upper right hand side of the building. Presently the leaks are confined to these spaces.“The rest of the theatre building in fully functional and open to the public and the theatre’s user groups. There is no health and safety issue for any members of the public, performers or theatre staff.”He added the leaks in the administrative office have inconvenienced theatre staff and as a result the administrative team has relocated to the meeting room space in the down stairs area of the theatre.The knock on effect of using the meeting room space for office accommodation means that the meetings and classes which were held in that space have to be relocated to other places. “We are using the stage for classes when it is free and other classes have been accommodated by our colleagues in the RCC.”An Grianan Theatre is owned by the Donegal County Council and the Council is fully aware of the situation regarding the roof.The Council’s Facilities Manager Mr Paddy Mullan has been active and helpful in investigating the problem with the roof.He has commissioned a report which identifies the cause of the problem and makes recommendations to address it. That report was recently sent to senior management with in the Council and we are currently awaiting their response. AN GRIANAN CONFIRM LEAK AT THEATRE BUT SAY REPORT SENT TO COUNCIL was last modified: February 19th, 2013 by StephenShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window) Tags:An Grianan TheatreDonegal County Councilleaklast_img read more

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People left seriously injured after Glenswilly crash

first_imgA number of people are understood to have been injured following a crash in Glenswilly this evening.The crash happened in the townland of Breenagh shortly before 8pm.It is believed the driver’s car struck a bridge and no other car was involved in the crash. A number of ambulances attended the scene and took at least two people to Letterkenny University Hospital.Two of the casualties are women.It is understood some of the injuries are serious but not life-threatening.People left seriously injured after Glenswilly crash was last modified: June 1st, 2019 by Staff WriterShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)last_img read more

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Good-bye spreadsheets, hello accounting software

first_imgShare Facebook Twitter Google + LinkedIn Pinterest Brian E. RavencraftThe team at our firm sees it often — farmers and business owners using Excel to track the finances related to their operation. While it’s true that Excel is very sophisticated and most users know enough to be dangerous while maneuvering through the software, you simply can’t erase the chance for human error. Spreadsheets are just prone to errors taking place due to the amount of manual data entry that is required. For example, a formula can be set up correctly, but the copy and paste feature may not pull through the correct cells and if one cell is modified, it can throw off the entire spreadsheet. When these things happen, it causes unnecessary headaches for the business owner, which we hate to see happen.To avoid these types of headaches all together, we encourage those we work with to make the switch to accounting software such as QuickBooks (but there are many options out there). The level of information available at their fingertips from making this simple switch is always a pleasant surprise for them and makes day-to-day tasks less cumbersome. Tracking profit by farm or by crop can be done easily by setting up classifications within the software. In addition, the software has a fixed asset tracker function to help determine depreciation for equipment. Having a good set of financial statements is imperative for farmers. Utilization of accounting software to generate financial statements saves time at year-end for the tax preparer and can assist financial institutions in expediting loan request.A major pro to consider when deciding when to make the leap into accounting software is the fact that software allows for real time financial information to be obtained at any time, from anywhere. Unlike Excel, accounting software can pull through an automatic bank feed with the previous day’s transactions to reconcile against. Accounting software literally works hand-in-hand with your bank. Real time information is a powerful thing and that is what is fundamentally missing when not using accounting software.It’s not uncommon for Excel users continually face frustrations. A typical scenario involves business owners finding that financial statements are not readily available which can cause issues and hold ups in regard to management or for outside users such as a bank or an accountant. If your accountant must comb through spreadsheets to prepare a financial statement for a tax return or an outside party, you will likely incur additional charges for their time.Using accounting software allows you to record necessary details that should be monitored at all times. For example, you can record who each and every check was written to, the memo or the invoice number and more. For internal control and oversight purposes, software will also record who modified a transaction and when. This is invaluable.Don’t let accounting software scare you. Accounting software is easy to use, is accurate, cost-effective and scalable to fit your business needs. If you take care of all financial management tasks for your farm or business, you can learn how to use the software yourself. Many places, including our firm, offer training. Transitioning from spreadsheets to using software isn’t as daunting as it sounds. We can help with that as well. Switching to accounting software can truly lighten your load, make you more aware of where your business stands financially and eliminate the risk of making an error that could throw off all of your numbers. Brian E. Ravencraft, CPA, CGMA is a Principal with Holbrook & Manter, CPAs. Brian has been with Holbrook & Manter since 1995, primarily focusing on the areas of Tax Consulting and Management Advisory Services within several firm service areas, focusing on agri-business and closely held businesses and their owners. Holbrook & Manter is a professional services firm founded in 1919 and we are unique in that we offer the resources of a large firm without compromising the focused and responsive personal attention that each client deserves. You can reach Brian through www.HolbrookManter.comlast_img read more

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Learning Ways to “Keep the Change”: An Invitation to the 2017 Virtual Conference

first_imgBy: Bari Sobelson & Hannah HydePixabay[Coins by Olichel, CC0]Change is important to personal finance managers. I’m not just talking about the kind you find at the bottom of your purse or in your pockets; I’m referring to the inevitable kind that we all face as humans on a regular basis. At its root, personal finance work is about helping clients become aware of, understand, and prepare for the inevitable change that will come with life within the context of their financial planning.So why all of this talk about change?We have an opportunity for you that you won’t want to pass up next month! Starting on September 26th, we will be offering a four-day virtual conference that is all about change! Whether you come as a PFM who is interested in assisting your clients with the multitude of changes they may experience, or as a person who is interested in learning about managing change in your own personal life, this conference is for you!This will be unlike any conference you have attended before—there will be keynotes, opportunities for conversation and networking, and a wide variety of topics surrounding change! So, if you want to keep the change, join us for this conference! You won’t regret it! To find out more information on this virtual conference, click here. We hope to see you there as we all LEARN strategies for managing change, GROW our understanding of our capacity for change, and begin to THRIVE as we connect with colleagues facing similar challenges!This blog was written by Social Media Specialists Bari Sobelson of the MFLN Family Development Team and Hannah Hyde of the MFLN Military Caregiving Team.  Find out more about the Military Families Learning Network on our website, Facebook, and Twitter.last_img read more

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