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Financial planning for college students

By
University of Missouri
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Adapted from MU Office for Financial Success Finance Tip of the Week blog post by Ryan H. Law, M.S., AFC, Department of Personal Financial Planning, Office for Financial Success Director, University of Missouri Center on Economic Education Director

Around the country, college students are in the midst of rising tuition and living expenses. Many college students are on their own for the first time and, for many, this includes being on their own financially. They are expected to earn money and manage their own finances along with their busy college schedules and social lives.

College financial plans don’t have to be complicated, but they are necessary. Taking a few simple steps now to manage personal finances will lead to much more positive outcomes down the road.

Here are some financial tips for college students:

  • Buy used textbooks or e-books when possible and compare textbook prices online.
  • Don’t be tricked by credit card offers that come with a bag of candy, free shirt or free pizza.
  • Before signing a lease, be sure you understand the entire contract.
  • Educate yourself about student loans — know what types of loans you have, how much you owe, your interest rate, and what your monthly payment will be. For information on your federal loans, visit: http://www.nslds.ed.gov
  • Before turning to private loans to help pay for your education, visit your financial aid adviser to be sure you have exhausted all federal loan opportunities.
  • Stay away from payday loans. They carry very high interest rates and can trap you in debt for years.

For the full list of useful tips, view this article online at http://missourifamilies.org/features/financearticles/cfe74.htm

Barton’s Real named women’s soccer KJCCC player of the week

By
Editor
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0

Barton Community College women’s soccer team’s Edith “Scarlett” Real put her name in the school record books last Wednesday versus Kansas City Kansas Community College with her four goal first half thus earning her the KJCCC Verizon Wireless Player of the Week honor.With the Lady Cougars in an offensive funk this season, the Dodge City freshman got Barton off to a fast start scoring her first of four goals by the fourth minute of play.  Less than four minutes later Real scored her second and completed her goal assault within the game’s first twenty-one minutes.  Her effort placed her tied for twelfth in school history and had her fifth shot on goal not hit the crossbar, Real would have jumped to fifth in the record books.

The Lady Cougars looked like an offensive juggernaut in the 7-0 rout of the KCK Blue Devils scoring five first half goals against a 20 mph south wind.  Barton finished with thirty shots forcing the Blue Devil keeper into eleven saves on the day.

Having scored just one goal in the season’s previous six contests, the 5’4″ Real had her break out game scoring four of the Lady Cougars’ first five goals.  Turning a KCK miscue into a one-on-one situation with the Blue Devil keeper, Real sent a left foot shot to the near post just four minutes into the contest.

Aliya Marshall quickly buried KCK into a two goal deficit just a moment later finishing off a great midfield turn and pass by Danielle Borelli to left foot drive the ball to the upper left corner.
Millie York help set up Real for her second goal of the day with 37:15 remaining after York sent a deep forward ball into the wind.  Outmaneuvering the Blue Devil defense Real beat the keeper high to the far post giving Barton a 3-0 lead.

Missing an attempt for a hat-trick, Real took advantage of her next opportunity blasting a Maria Rodriguez pass to the far post.  Entering the Barton record books at the 33:03 mark of the first half, Real buried a Lisa Lagos pass to tie for the twelfth spot on the most goals scored in a game along with nine other former Lady Cougars.

Putting up eleven shots with ten on goal against the first half wind, the Lady Cougars put up nineteen second half shots with eight coming within frame.

Two of the eight came from midfielder Maria Munoz who connected on both her shots to give Barton added cushion in the lead.  Stealing a KCK pass to the midfield, the 5’1″ freshman from Topeka dribbled in and launched from outside the 18′ off the fingertips of the Blue Devil keeper to the far post.  Three minutes later York got her second assist of the day feeding Munoz who dribbled past three defenders into the 18′ finding the top 90 far post.

After a trip conference road trip to Coffeyville Community College on Wednesday, the 2-4-2 on the season and 1-1-1 in conference play Lady Cougars return home to the Cougar Soccer Complex for a Saturday contest against Johnson County Community College.  Kick-off for the women’s Jayhawk conference battle is 1:00 p.m. followed by the men’s contest at 3:00 p.m.

Annual “Meet the Cougars” this Sunday

By
Editor
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barton cc

The annual celebration and meet-n-greet of Barton Athletics and the community will take place this Sunday, September 21.  Hosted by the Cougar Booster Club, the event will kick-off at 6:00 p.m. at Jack Kilby Square in downtown Great Bend with social interaction including free refreshments.

Barton Athletic Director Trevor Rolfs will begin the introduction at 6:30 p.m. of the Cougar Booster Club and Athletic Staff, followed by a processional of team introductions by Barton coaches.

Special performances will also highlight the free community event by members of the cheer and dance teams, as well as, music provided throughout the evening by the Barton Pep Band.

Leading the charge to bring Barton student-athletes to the community, the Cougar Booster Club provides avenues to support the athletic department throughout the year.  For information on supporting Cougar Athletics or becoming a member of the Cougar Booster Club, contact the Barton Athletic Department at (620) 792-9377 or visit online at www.BartonSports.com.

Fertilize at the right time

By
K-State
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Wayne Wilkinson
photo – Wayne Wilkinson

By: Scott Eckert, County Extension Agent, Horticulture

Almost everyone who wants a beautiful, healthy lawn knows that they must fertilize to achieve it. But many lawn enthusiasts don´t know how to fertilize properly, and making mistakes in fertilization can lead to problems.

September is the ideal time to fertilize tall fescue (turf-type or K-31), Kentucky bluegrass and perennial ryegrass since they are all cool-season turf.  Unlike the warm-season grasses like buffalograss, Zoysia, and Bermudagrass that prefer 90 degree weather and up, the cool season grasses thrive when it is in the 60 and 75 degree range.  This is why fall is the best time for fertilizing and planting fescue.

If you are wanting a Low-maintenance lawn, you should fertilize with 1.0 pound of actual nitrogen per 1000 sq. feet. This means that if you use ammonium sulfate that is 20 percent nitrogen you would use 5 pounds of this fertilizer to achieve 1.0 pounds of actual nitrogen
per 1000 sq. feet.  A low-maintenance lawn means you are mowing less often than for a medium or high-maintenance lawn.

For a Medium-maintenance lawn, fertilize in September at the rate previously mentioned and again in November at the same 1.0 pounds of actual nitrogen per 1000 sq. feet.  You will mow a bit more but have a nice looking lawn.  It is important to water only as needed.

For a High-maintenance lawn, fertilize in September as above, in November use 1.0 – 1.5 pounds  and another 1.0 pound of actual nitrogen per 1000 sq. feet in May.  Not March or April.  Then if color or growth are not satisfactory apply 0.5 pound of actual nitrogen per 1000 sq. feet in mid-June-early – July.  High maintenance turf will require more mowing  to keep up with the fertilizer amount you are applying.  The more it grows the more irrigation it will take as well.

There is no need to exceed more than 4.0 pounds of actual nitrogen per 1000 sq feet in one season.  You can actually encourage fungal disease if your nitrogen regimen is too high.

Remember to fertilize cool season grasses at the correct time of year to get the maximum
appearance.

Enjoy health benefits of avocados on National Guacamole Day

By
University of Missouri
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0
Sean Dreilinger
Sean Dreilinger

Melissa Bess, Nutrition and Health Education Specialist, Camden County, University of Missouri Extension

September 16 is known as National Guacamole Day. Guacamole can be healthy, depending on how you make it. Avocados are the main ingredient in this tasty side dish or appetizer.

California avocados are in season from spring to fall. This is the time of year that you will find the best quality and best prices on avocados. Avocados are one of the produce items with the least amount of pesticides, so there is no reason or benefit to buying organic avocados.

Avocados are considered a fruit. They are one of the few fruits or vegetables that contain fat. The fat in avocados is unsaturated and is heart healthy.

Did you know that avocados have more potassium than bananas? Avocados contain 60 percent more potassium per ounce than bananas. According to the Centers for Disease Control and Prevention (CDC), avocados are loaded with nutrients such as dietary fiber, vitamin B6, vitamin C, vitamin E, potassium, magnesium and folate. They’re also cholesterol and sodium free. Two tablespoons of mashed avocado or 1/5 (about 1 ounce) of a medium avocado provides about 55 calories.

Mashed avocado can be used instead of mayonnaise on a sandwich or wrap. You can mix avocado with your choice of whole grains and other vegetables for a tasty whole grain salad. Avocados can also be mixed with tomatoes, diced onions, lime or lemon juice and your choice of seasonings for a refreshing dip.

For more information on choosing, preparing and storing avocados, including a healthy guacamole recipe, check out the full version of this article at http://missourifamilies.org/features/nutritionarticles/nut470.htm

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