Shelby Shopper Shelby NC
Issue link: https://www.ifoldsflip.com/i/1331890
Thursday, January 21-January 27, 2021 www.shelbyinfo.com 704/484-1047 - shelby shopper & info - Page 19 "BRING YOUR TOOLS AND PULL YOUR PARTS,WE HAVE WHAT YOU NEED!" 4805 Anthony Farm Rd. • Kings Mountain, NC (Beside Hwy 74 East) 704-739-4633 704-739-4633 WE BUY JUNK VEHICLES! WE SELL USED VEHICLES! Shelby 704-471-2077 MAYSE MFG. CO., INC. www.maysemfg.com www.maysemfg.com ©Community First Media Community First Media Factory Factory direct direct prices! prices! Storage Buildings, Gazebos, Carports, Garden Flags, Man Cave Decor, Concrete Statuary, Concrete Steps, & Poly Outdoor Furniture! We are a We are a Big Green Egg Distributor Big Green Egg Distributor. . Grills • Accessories • Supplies Grills • Accessories • Supplies Poly Outdoor Furniture Poly Outdoor Furniture Available in 14 colors Available in 14 colors Now offering carports/garages Now offering carports/garages up to 60 ft. wide & 20 ft. walls up to 60 ft. wide & 20 ft. walls Finance & Rent To Own @mayse_mfg 2019 E. Marion St. • Beside Cleveland Mall M-F 9am-5pm • Sat 9am-12pm 108 East Grover Street Shelby, NC 704-487-8068 Mon.-Fri. 8:30am-7pm, Sat. 9am-3pm MAINTAIN YOUR MAINTAIN YOUR INDEPENDENCE INDEPENDENCE SHOP BATH SAFETY PRODUCTS LOCALLY TODAY! SHOP BATH SAFETY PRODUCTS LOCALLY TODAY! Clev. Co. library card design contest Cleveland County Library System announced a library card design contest for its new library card. There are three entrant age catego- ries for the contest: kid, 12 or under; teen, 13 – 17; and adult, 18 and over. The win- ner will receive a $25 gift card. Designs must be created using a 7 inch by 4.25 inch template and designs can be either horizontal or verti- cal. Entries must be accom- panied by an entry form and only one entry is allowed per person. Artwork can be tradi- tional, in colored pencil, pen, paint, etc., or using computer based graphics. Digital submissions must have a resolution of 300 dpi or higher. Digital image size must be 1050 pixels x 638 pixels. Do not include your name within the borders of the design. Artwork must be origi- nal, previously unpublished, and free of copyright restric- tions. Upon submission, the Cleveland County Library System has all rights to the artwork and its display. The library may showcase/ reproduce all submitted art- work without limitation or compensation. Email digital artwork to c c l s m a i n a n d s p a n g l e r @ gmail.com . Drop-off or mail submissions to Cleveland County Library System, 104 Howie Dr., Shelby, NC 28150 or Spangler Branch Library, 112 Piedmont Drive, Lawndale, NC 28090. The design submission period goes through Janu- ary 29. Finalists will be noti- fied by February 8. Finalists will be announced by Febru- ary 11. New library cards will be available this summer. Broad River Broad River Genealogical Society news In a note from Elizabeth Camp Anthony, President of Broad River Genealogical Society, it was shared that the organization was in its 41st year and hoped to celebrate their anniversary this year, since they could not do so during their 40th anniversary year due to COVID-19. In addition, the board decided to delay meeting a few months. Members Mike Allen and Ned Cash were thanked for looking after the mail and checking on the building. Martha Bridges was thanked for taking care of the organization's financial responsibili- ties and reporting to the board monthly. Wanda Holloway was recognized for keeping up with the archives and Debby McIntyre was acknowledged for preparing the February bulletin and getting it ready to mail. Member's dues need to be mailed to Broad River Genealogy Society, P.O. Bo 2261, Shelby, NC 28151-2261. Annual dues are $25. Anthony asked everyone to remember members who have had the virus or are in isolation. She also shared news of Diane Ledford Blanton's passing and asked mem- bers to pray for the Blanton family, members, the country, and brighter days ahead. "Financial planning" is an umbrella term that can be applied to various aspects of money man- agement. Many people as- sociate financial planning with retirement. However, effective financial planning can help people confront today's challenges just as much as it can help them prepare for their golden years. The pandemic that spread across the globe throughout 2020 posed numerous challenges, including a recession sparked by widespread job loss and declines in eco- nomic activity. The U.S. Bureau of Labor Statistics noted that the unemploy- ment rate in the United States exceeded 10 per- cent in July 2020, while Statistics Canada reported the Canadian unemploy- ment rate was just under 11 percent in that same month. While each coun- try has since witnessed declines in their respec- tive unemployment rates, tens of millions of workers in both nations remain out of work. The sudden rise in un- employment and decline in global economic activity underscores the need to plan for recessions, even during those times when economies are thriving. Taking steps to recession- proof your finances is an important component of financial planning that can help people overcome the stress of living during a downturn. • Build up your sav- ings. A recent poll from the Kaiser Family Foun- dation found that 45 per- cent of adults said their mental health had been negatively affected due to stress related to the virus. That poll was conducted in March, shortly after lock- down measures were insti- tuted and the term "social distancing" entered the North American lexicon. As the pandemic wore on through the summer, fall and into the winter, stress remained a big concern for many people. Much of that stress stemmed from the economy, but one way to ease that stress is to have a substantial amount of money in sav- ings. Each person's finan- cial needs are different, but many planners recom- mend clients have at least six months' worth of ex- penses in their savings as a cushion to help them get through job loss. • Pay down debt. Debt, particularly high-interest debt, can compromise your ability to save. A 2019 survey from Bankrate.com found that 13 percent of Americans admitted that debt was preventing them from saving more money. Pay down debt like credit cards and only make credit card purchases if you have the money to pay the bill in full when it's due. • Avoid overspending. Many financial planners recommend a 50-30-20 approach to money man- agement. Such an ap- proach advises people to devote 50 percent of their earnings to needs, 30 per- cent to their wants and 20 percent to savings. Spend- ing more than 30 percent on wants can make it dif- ficult to build up a savings account to levels that can protect you in the event of a recession. • Expect the unex- pected. The American economy was doing his- torically well as recently as January, only to have the bottom fall out during the pandemic. If you want to recession-proof your fi- nances, do not take your foot off the gas in regard to insulating yourself from the next recession. No matter how strongly the economy is performing, continue to expect the unexpected and prioritize saving so you have a soft landing await- ing you should the econ- omy again take a sudden turn for the worse. The timing of recessions is unpredictable, but they are inevitable. Effective fi- nancial planning can help anyone overcome the chal- lenges posed by economic downturns. Strategies to recession proof your finances