It’s Never Too Early to Start Learning About Money

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Thank you for your service, Congratulations and God Bless

Congratulations, Stay Safe

God Bless all First Responders and Military personnel.

Congratulations and stay safe

Congratulations!! Stay safe!

Congratulations!! Stay safe!The Williamsburg Police Department would like to introduce the three newest members of our police department along with the new Williamsburg Chief of police, Chief M. Timmers! Congratulations and welcome to the team! (From Left to Right - Officer Reynolds, Officer Dearing, and Officer Hamiel) ... See MoreSee Less

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Congratulations!! Stay safe!Welcome to SPD, Class 853!

If you like helping people, and would like to be a part of the fabulous work we do, here's information on how to apply to become a Seattle Police Officer: fal.cn/3wC2A
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Congratulations and stay safe

Thank you NO!

Congratulations lord PLZ keep them safe as they do their jobs 🙏🙏🙏💙💙💙🙏

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Congratulations!! Praying 🙏 for your safety and security

Congratulations to all of you on supporting your community. It is a very demanding and important career. Stay safe and make sure to express your love for your family as they wait for you to return home safely. I will keep you in my prayers.

Congratulations, Thank you for your service and God Bless

Congratulations. God Bless you and your family's

Congratulations and stay safe

Congratulations!! Stay Safe out there.

Congratulations besafe out there

Congratulations but be aware, wolves. Police walking out quitting for a reason.. Stay close to God, lawlessness.

Congratulations 🎉 and Blessings 🙏

🎉🎉🎉🎉

Congratulations may yall b safe as you do ur jobs 🙏🙏🙏💙💙💙💙💙👍

THANKS HEROES

Good bless each and every law enforcement officer

GOOD LUCK. HOPE YOU MAKE IT TO RETIREMENT !!!!

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#Heroes

#heroesWhen three LAPD K9 officers were shot last week, LA County Sheriff’s Department did not hesitate to offer their services, by providing their own K-9 unit to help with LAPD K9 callouts.

Two agencies. One county. One goal. Protecting and serving the community.

Thank you Los Angeles County Sheriff's Department.
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2 weeks ago

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Go Blue!! Thank you for all you do!!!

Deepest Sympathy to LAPD K9 Officers 💙💙💙 with eternal thanks to LA County Sheriff Dept ❣️ praise and prayers to all of our Law Enforcement Warriors 🙏🏻

This should not be happening and the criminals getting away with it .Pray for our police,Pity these politicians dont show as much respect for these officers as they did george floyd Back The Blue

Sorta hoping for some perps... Eliminated 💥💥💥

Ty

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Rest in Peace. Thank you for seven years of service, K-9 Indi!

Rest in Peace. Thank you for seven years of service, K-9 Indi!The DeKalb County Police Department is mourning the loss of one of our canines. Retired K-9 Indi served for 7 years, 2013-2020. He served his entire career with his handler, Sgt. N.R. Larsen. During their time together, they gave outstanding service to the police department, the citizens of DeKalb County, and the Metro Atlanta area. #WeAreDKPD ... See MoreSee Less

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Rest In Peace and thank you for your service 🇺🇸🇺🇸🇺🇸🚓🚓🚓

Rip big beautiful boy. Thanks for your service. Go run free. ❤️🙏

So sorry for your loss. RIP

Rest in Peace.Thanks for your service.

Thank you K9 Indi for your service. Fly with the angels sweet pup. Back the Blue 💙

Sorry to hear. Thank you for your service. RIP. prayers to handler and family

Prayers always 🙏 ❤

K9 Indi 💙 RIP and thank you for your service 🙏🏻 prayers for your loved ones left behind

So sorry for your loss. Thank K9 Indi for his service to his community. Condolences to the family and friends

Our condolences 🐾💐

God bless him

Rest in Peace buddy

God bless

Rest In Peace

Rest in Peace K-9 Indi 🐾🐾🐾👮‍♂️💙🖤

So very sorry! RIP HERO!

Rip K9 Indi

Awwwhh, RIP.

INDI, A HERO THAT WAS LOVED💙

RIP

RIP

Rip

RIP 🖤💙

You are beautiful so sorry for his loss

Prayers for him!🇺🇸🙏🌹

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𝐇𝐚𝐩𝐩𝐲 𝐁𝐢𝐫𝐭𝐡𝐝𝐚𝐲 𝐭𝐨 𝐊-𝟗 𝐀𝐫𝐜𝐡𝐢𝐞!!!!Image attachment

𝐇𝐚𝐩𝐩𝐲 𝐁𝐢𝐫𝐭𝐡𝐝𝐚𝐲 𝐭𝐨 𝐊-𝟗 𝐀𝐫𝐜𝐡𝐢𝐞!!!! ... See MoreSee Less

2 weeks ago

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Happy birthday

Happy Birthday 🎉🎊🎈

Happy Birthday K-9 Archie

Happy Birthday LEO 🎂🎉n many more 💙💙💙💙💙💙🙏🙏

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Thank you for 7 years of service, K-9 Jacquo!!!!Image attachmentImage attachment+1Image attachment

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AWESOME HAVE A GREAT LIFE OF LEISURE

Awesome! Enjoy your retirement and thank you for your service 👍💙

Beautiful. Happy Retirement. Thank you for your service and God bless you and watch over you

Thank you Officer Jacque stay safe 🇺🇸🙏❤️👮‍♀️🐕

Happy retirement

Thank you for your service K-9 Jacquo. 💙💙💙💙

Enjoy your retirement

♥️♥️♥️

Enjoy ur retirement n thank you for ur service 💙🫡🫡🫡🫡

K9 Officer Jacquo 💙 happy retirement and thank you for your service 💙❣️

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Congrats God plz keep her safe as she does her job 🙏🙏🙏💙💙💙💙💙

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Welcome and thank you! Stay safe!

Welcome and thank you! Stay safe!Chris Schiller joined the Argonia Police Department as its newest part-time officer! He will serve as the interim Police Chief. Chris currently works as a federal officer in Wichita. Prior to this, he was a Special Agent with the Union Pacific Railroad Police and a law enforcement officer in Oregon. Chris is in the National Guard, serving as a combat medic in Afghanistan in 2014. If you see him, feel free to stop for a conversation! Welcome to Argonia Chris! ... See MoreSee Less

2 weeks ago

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Congrats Sir b safe out there as so many thugs don’t respect ur badge 💔💔🥵🥵🥵🙏🙏🙏🙏🙏🙏

Thank you for 37 years of service! Enjoy retirement!Image attachment

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2 weeks ago

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Congratulations now go and enjoy you deserve your retirement

Thank you for 24 years of service! Enjoy retirement!

Thank you for 24 years of service! Enjoy retirement!Last Thursday we said goodbye and good luck to Lt. Ryan Kwitkin who served for 24 years as he retired. Ryan worked in Patrol for most of his career, but also worked the tactical patrol team. I say retire, but Ryan is heading to another department out west where he will serve as their Deputy Chief. Ryan we thank you for your service and wish you well as you start your new journey. Keep in touch and check in every now and then. Be safe. ... See MoreSee Less

2 weeks ago

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Thank you for your service.

💙💙

Thank you for your service!! Enjoy retirement!

Thank you for your service!! Enjoy retirement!Today is the last day of the shift rotation and It is also the last time Sergeant Burkhalter will work an entire rotation. He will be retiring in a few months and moving with his family out of state. We are excited for him but also bitter sweet to see my former partner retire. His shift came together today and presented him with a gift to show their appreciation. I’m honored to work with a good group of people. Don’t miss your opportunity to be part of something special. Join our family www.joinmonroviapd.org. Link is also on our profile. We got your six Sergeant Burkhalter 🤘🏽 ... See MoreSee Less

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Many MANY thanks to each of you and especially Sergeant Burkhalter 💙 enjoy your retirement Sir 💙

Happy Retirement!!

🙏💙🙏

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It’s Never Too Early to Start Learning About Money

When I was a kid, there weren’t any classes that focused on financial education, not in high school or college, and certainly not in elementary school.  In fact, no one really discussed it much at all.  Financial education was not discussed in our home or in any of my friends’ homes for that matter and it was not a focus of any business that I was aware of…not a focus for employees or even clients.

So, when you think about it in those terms, it should not be a surprise that a lack of financial education contributed, in part, to the economic difficulties we are currently facing.  Only in the last few years, have we started taking the time to look at our credit reports and understand how our behavior impacts our credit scores.  It also appears to have taken the “Great Recession” for many of us to figure out that we cannot spend more than we earn over a prolonged period of time.

Now, businesses, networks, and publications are clamoring to provide us all with more financial education than we previously knew existed.  There are television programs, columns, blogs, podcasts, seminars, webinars, workshops, and courses solely devoted to financial education.  Some are helpful and worthwhile, others not so much.  Like anything, no educational effort will be as successful as the one that takes place in peoples’ homes during the formative years of a child’s development.

Education always has the most impact when administered before someone has had the chance to develop a bad habit or a mistaken belief and providing a fundamental financial education to your children cannot start too early.

When you are alert to them, there are plenty of opportunities to spend a few minutes to teach your children about money and finances without laboring on the subject or talking about matters that may or may not be understood.

For instance, a visit to an ATM could be an ideal time to share some of the basics of money and financial transactions with your children.  Providing your children with brief explanations of deposits and withdrawals is a great starting point and related questions will often arise from these initial conversations.  How do you earn money?  What do you spend it on?  How do you know how much money you have?

Another routine event that presents an opportunity to begin to educate your children on finances is when you sit down to pay some bills.  As an adult who has paid my share of bills, I am still amazed at how much things cost.  It makes sense, then, that kids might also be surprised by the cost of things like the groceries they eat and the clothes they wear.

Kids are especially alert to discovering new things and once they discover something new, they usually want to know more about it so if you are really committed to providing basic financial education to your children, you can turn the mundane act of paying bills into an all out math contest for your kids.  If we have this much and we pay that much, how much will we have left?  You get the picture.

The concept of budgeting also lends itself well to the type of educational situation that kids will respond to.  There are numerous ways to incorporate addition, subtraction, and multiplication into a budget explanation.

All of these examples also create a chance for you to convey the importance of saving to your children.  Whether you are going to the ATM, paying bills, or budgeting, there must first be money available before any of these actions take place.  If your child understands the importance of saving, developing an awareness of costs and expenses follows close behind.  This understanding may even lead to lower household costs because your child may be more likely to take care of something or make household supplies last longer simply because he or she has a basic awareness of money.

While the topic of financial education could at first seem imposing and complex, in its most basic forms it can be explained in very understandable terms to children of very young ages and the sooner you start the process, the more prepared your kids will be to navigate their own finances as they get older.

All of us teach our kids to beware of strangers and to not readily accept anything from them, yet every year kids go off to college and accept credit card offers from people they have never met and companies they have never dealt with often leading to circumstances that they did not anticipate.  Some of these situations can be avoided just by creating chances to talk with your kids about money early and often.

Recently, you have probably heard people claiming that they have debts (namely mortgages) that they cannot pay because they did not understand the terms of the loan they took out when they signed for it.  Would you allow your child to use that claim as a valid excuse for not passing a test in school?  Of course you wouldn’t.  You would remind your kids that they knew the test was coming and that they had plenty of time to study for it.  If that excuse is not acceptable when you are child, it will not be acceptable to you as an adult and you will be far more likely to read and thoroughly understand documents associated with the financial decisions that you will make.

When you take the time to learn about something, you invariably develop a greater understanding of it and when you develop a greater understanding of something, you develop an appreciation for it.  Ultimately, you make it a matter of personal importance.

This could not be truer when it comes to your personal finances.  If you have an appreciation for money and finances based on a solid understanding of how the basics work, you will be more respectful of your finances and be far less likely to be intimidated by them.

If you help your kids to develop this understanding at an early age, it will help them create a strong foundation from which they will be able to make healthy decisions that will benefit them and your family financially.

Scott Arney
Chief Executive Officer
Chicago Patrolmen’s Federal Credit Union

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