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Surviving victims, relatives of victims, and others affected reflect on the tragic day Jason Dalton killed six people and injured two others in a 2016 Michigan shooting spree.
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After experiencing the longest government shutdown in history, many federal workers and contractors who experienced financial hardships are still trying to recover.
The government shutdown tested people’s financial preparedness, and many unfortunately failed. Also, with another possible shutdown looming, many people are frightened that this will catapult them into homelessness.
Approximately 1 in 3 Americans do not have emergency savings to cover a $ 500 emergency, according to personal finance website Bankrate. This statistic became a heartbreaking reality when real life financial hardship stories recently surfaced due to the federal furlough.
Unexpected emergencies like medical bills, the death of a family member, job termination, or an unwarranted furlough, are common causes of most financial traumas. The reasons people do not set aside money for these unexpected emergencies range from unlivable wages, sluggish salary raises with rapid inflation, unfair wage gaps, or even poor financial habits.
When a loved one is dealing with a temporary financial hardships, there are ways to provide assistance or relief.
4 Ways to Help Loved Ones Dealing with Financial Hardships
If you have the financial ability to lend money to a loved one and are confident you will be repaid, offer a short-term loan. Treat the loved one with compassion, but explain the offer is a loan and is expected to be paid back.
Write up and sign an agreement between you (lender) and the loved one (borrower) to clarify the financial transaction as a loan.
Debt.org shares that a loan agreement between loved ones should include:
- The names of the parties involved
- The date of the loan agreement
- The amount borrowed (principal)
- Interest rate (if applicable)
- Repayment terms (monthly payments over a specific period or a lump sum on a certain date)
In the event of nonpayment, the loan agreement should also include:
- Modification of loan terms
- Taking ownership of collateral
- Possible legal action
Hard feelings and arguments between relatives and friends occur when money is lent in good faith but not repaid. So, take the advice I give to my clients who consider lending a loved one cash …
“If you can’t afford to give the money, don’t lend it.”
Instead of lending the money, give the loved one the amount of cash you can afford as a gift. By giving money as a gift you release the possible future tension in the event the loved one does not pay you back. Consider it as a few early birthday or Christmas gifts.
When giving money, do it privately, discreetly, and without pity. Many loved ones suffer in silence, financially, because they do not want their business shared.
Assure the loved one that you will not share the monetary gift to anyone. Respecting the loved one’s need for privacy is important, especially if they are a very private or prideful person.
Pay a bill directly
Consider paying a specific bill or expense directly if you prefer not to give a loved one cash, or they do not want to accept your loan or monetary gift.
Paying a utility, car payment or insurance, or even a rent or mortgage payment, will release a significant financial burden.
Some companies, like PECO, formally Philadelphia Electric Company, allow people to help out and pay a bill on behalf of their customers.
Provide a service
Perhaps you may be unable to give a loved one money.
An act of service will go a long way when it comes to helping a loved one experiencing financial hardship. Sometimes, taking time to do something for someone is more helpful than giving money.
Some amazing acts of service can include:
Care for the kids
Offer to babysit or care for their elderly family member who requires special attention. This will free up some time for the loved one to work another job, or get some much-needed rest.
Cook a few meals
You may be aware of a loved one who is struggling to feed their family. Cook and deliver meals for a few days to offset their grocery bill, and relieve the burden of cooking.
Chauffeur for a day
If a loved one does not have transportation, be their chauffeur for one or a few days. Driving them to appointments, run errands, or their job will be much appreciated.
Clean up the house
Clutter can sometimes cause just as much stress as the financial trauma. Offer to clean a loved one’s kitchen, bathroom, bedrooms, or the entire home to eliminate that responsibility from their list. Often a clean environment can calm our consciousness to better deal with difficult situations.
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The post 4 Ways to Help Loved Ones Dealing with Financial Hardships appeared first on Black Enterprise.
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KATE Wright has hit back at a cruel troll who criticised her swanky holiday with husband Rio Ferdinand’s three children.
The former Towie star won praise from fans as she defended the family trip on Rio’s Instagram page.
He captioned the snap: “Lunch in the sea. What a place with the family. I was dribbling at this point.”
The picture racked up tens of thousands of likes and hundreds of comments – but some trolls couldn’t resist leaving snarky remarks.
Kate, 27, hit back at one user who’d posted a negative now-deleted comment on the snap.
She wrote: “Money doesn’t make looking after three children that have lost their mum easier.
“Yes we can have nice holidays but money can’t bring back loved ones and heal grief.
“Looking after children and caring for them comes from the heart, not from the bank.”
Kate was inundated with praise for the way that she had handled the troll, with one writing: “What a moving response. Now that’s wisdom.”
Another added: “Well said, Kate. Some people will always be jealous and money-orientated.
“I’m sure most people would swap money for loved ones.”
A third wrote: “Well said… You have made those kids happy, be proud of what you both have achieved.
“Such a hard time for anyone who has lost their mum or dad.”
Since arriving at the private resort in the Maldives, Kate has posted several photos to document her holiday with Rio and his three children.
Kate admitted that she was “feeling blessed” as she shared a video of the family on a boat surrounded by dolphins, and Rio has shared several snaps and videos too.
To mark their Christmas holiday, the sportsman shared a cute photo of Kate and his children posing in Santa hats against a backdrop of blue sky, the crystal clear ocean and pure white sand on Thursday.
He captioned the snap: “Bit delayed on the Christmas post, been offline for a few days! loads of Love from us (the nutters)”.
Most Read In TV & Showbiz
Rio asked Kate to be his wife as his three children, Lorenz, nine-year-old Tate, and Tia, seven, watched during a family holiday – with Rio later admitting that the children had been involved in his proposal plan.
The star’s late wife passed away following a battle with breast cancer in 2015 – but gave her blessing for her husband to marry again.
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Kanye West. Philip Roth. Opera. Jazz. Salsa. King Kong. Tonya Harding. We can go on, but why don’t you see for yourself.
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With the markets this perilous, top analysts are recommending dividend stocks as a way for savvy investors to hedge their bets.
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If you’re tired of struggling to make human connections, a Japanese startup is putting a price tag on the robotic variety — and it’s pretty steep. GROOVE X launched a companion robot Tuesday that’s programmed to make lonely humans feel the love. The Lovot, which resembles a cuddly children’s toy and comes in a rainbow…
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Kid Cudi is again taking a moment to talk about his battle with depression, one that he says he kept hidden from those close to him.
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I grew up with a big family, which made it hard to buy everyone something nice at Christmas.
My gift options were to shop at the dollar store or “do it yourself.”
While the dollar store is by far the easier path, DIY gifts are a genuine labor of love. But you don’t have to be Martha Stewart or a contestant on “Making It” to explore the DIY route. It’s more about the gesture than making a perfectly crafted artisanal present. Your loved ones will likely appreciate a heartfelt and useful gift more than a store-bought one.
Plus, staying at home to make these gifts will save you from the impulse purchases shopping can bring.
12 DIY Christmas Gift Ideas to Try This Holiday Season
1. Photo Magnets
These are so much fun to make, and there are dozens of ways to get the job done.
Use precut wood shapes, tiles, glass stones or mason jar lids — all found at your local arts and crafts store — as your base. Use some Mod Podge (a glue-type sealant) to adhere your printed photos to the base. Once dry, glue magnet strips to the back of the base. Done.
Or, you can use adhesive magnetic sheets for bigger images. You can make hundreds of these personal DIY gifts and inexpensively give your friends and family all the feels.
2. Baked Goods
The fastest way to someone’s heart is through their stomach. Home-baked treats will do the trick.
Try making holiday-themed cookies with cookie cutters and decorations, or play with seasonal flavors like peppermint, ginger and chocolate.
Turn up the sweetness with some fudge, challenge yourself to whip up toffee or make a loaf of banana bread (my mother’s signature baked good).
Bake your goods in large batches and deliver them to family, friends and coworkers in reusable holiday tins, treat bags or Tupperware.
3. Family Cookbook
Covertly gather recipes from your family members and put them into a special family cookbook.
Ask family members to share their recipes or take notes next time someone whips up a casserole or batch of cookies. Maybe grandma has a box of handwritten recipes you can convert.
Create an accessible digital version online or assemble your own hard copy. Free and low-cost templates and software are available if you want to do it yourself.
The cookbook will be a treasured gift for generations to come. Just don’t tell anyone else what’s in the sauce, because we all know that’s a family secret.
4. Pickled Fruits and Veggies
Use a hot water bath to pickle fruits and vegetables. You can pickle anything from cucumbers, green beans and carrots to cauliflower and pears. Find out your relatives’ favorites and surprise them with a homemade jar — or five.
One minimal investment in canning equipment and the basic ingredients can yield enough to give something to everyone special in your life during the holidays. Go a step further and create your own cheeky product labels for the jars.
You might find a workshop in your city to teach you how. Follow our pickle tutorial or use herbs and vegetables from your garden to save on produce costs.
5. Framed Pictures
Love that photo of you and mom on vacation? What about the one of all your best friends together? Frame it.
Scope out affordable picture frames at thrift stores, dollar stores, Michael’s (it always has a coupon available) or another major retailer. Or spruce up and decorate an old picture frame with buttons.
Once you know what size frame you have, get the highest-resolution copy of the picture and have it printed to size at a local photo processor (CVS, Walgreens, Walmart). Each print usually costs less than $ 1. Too many photos to narrow down? Assemble an entire photo album.
Commemorate the year with a homemade ornament using paper, glass, precut shapes or reusable everyday products like wine corks, popsicle sticks and bottle caps. Spend a Saturday and craft them all yourself, or get the kids or significant other involved.
Make cheeky ones using pictures of the kids or fur babies, or you can tailor them specifically to your home state or siblings. Start a tradition and create a new one every year.
7. Mason Jar Mixtures
Assemble an edible gift in a jar. Concoct your own specialty holiday recipe like salsa, dry soup mix, hot chocolate, snack mix, nuts and cookie ingredients. Shoot, you can even go the alcohol route and infuse vodka.
All you need is a case of Mason jars, your ingredients and a recipe tag. The tag should include ingredients and any baking instructions.
If it’s really good, you’ll have everyone excited for next year’s batch.
8. Kid Art
There’s nothing wrong with this kind of child labor. The rugrats get creative and you get cheap DIY Christmas gifts out of it. Win-win.
Gather non-toxic paints, glitter and large pieces of posterboard (paper, cardboard or canvas work, too) for the kiddos to craft their masterpiece upon. Let them go to town. Once it’s finished and dry, cut up the project into frameable pieces. Sign and date the bottom like a true artist.
Frame the pieces and give them out as gifts. I have the one my nieces made me in 2011 on my desk.
Do your civic duty and save all tables from condensation rings by making DIY coasters for your friends and family. It’s a cheap and easy gift you can’t go wrong with, because everyone needs coasters, especially funky (or classy) homemade ones.
Craft DIY coasters out of ceramic tiles, wood slices and pressed flowers, mason jar lids, popsicle sticks or fabric. The picture magnets mentioned above can double as coasters if you skip the magnetic strips.
Sets of four are standard, so put on some Netflix and settle into a project weekend.
10. Pressed Flowers
Pick wildflowers on a walk, or save flowers from a special occasion and use them to create a piece of art.
Press the flowers with a book or iron and display them between glass, on paper, as a bookmark or matted onto a candle holder or key ring. There are a surprising amount of pressed flower projects to try.
While the art of flower pressing takes time, the elegantly preserved souvenir will be worth it.
11. Homemade Spices
Homemade spices, seasonings and extracts are an affordable and practical gift for the food lovers in your life.
Awaken your inner chef and concoct a spice combination that suits your personality or complements a slice of your favorite meat. Blend a piquant taco seasoning, dry rub or apple and pumpkin pie spice mixes.
Just don’t forget to add your own labels for that extra zing.
12. Knitted or Crocheted Goods
My favorite handmade gifts over the years have been knit scarves and shawls my mother made.
Knitted and crocheted goods are truly one-of-a-kind gifts. Something as simple as a hat, scarf or bag will carry sentiment forever. The only thing they really cost is time, which makes a finished product feel more valuable.
If you don’t want to make bulky sweaters and ill-fitted hats for people, try coasters, blankets or rugs. There are free patterns galore online.
Probably not a new hobby to take up 10 days before Christmas, though.
Stephanie Bolling is a staff writer at The Penny Hoarder. She’s making mustard and pickled things as gifts for her friends and family this year. Read her full bio here or say hi on Twitter @StephBolling.
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.
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