Georgia 4-H is searching for adult volunteer leaders for this summer’s 2019 Military Teen Summits coordinated by the Georgia 4-H Military Partnership.The Military Teen Summits are dedicated to military teens with parents serving in the uniformed services. The summits offer leadership workshops, outdoor adventure and environmental education. In addition, youth have the opportunity to connect and learn with other military teens, adult military service-member volunteer leaders, 4-H counselors and staff, and other outstanding volunteers while participating in camp activities.This year, the summits will occur in Jekyll Island, Georgia, Dahlonega, Georgia, and Estes Park, Colorado, through funding provided by several entities. The camps begin in June and conclude in early-August.“Since 2008, the Military Teen Summits have brought military teens together to develop a sense of belonging not found in other locations,” said Casey Mull, Extension 4-H specialist for military programs. “Adult leaders volunteering their time are critical to creating this environment.”Summit staff has found that not only do the mentors and adult leaders provide leadership skills to those selected, but they also provide younger teens with role models in a similar lifestyle.In 2018, more than 80 individuals, mostly military members or spouses, volunteered to serve as adult leaders during the weeks of camp. Volunteers provide support to teens in cabins and during class instruction and recreational activities. “Adult volunteer leaders often report that they learn more than the youth,” Mull said. “They leave the camp reinvigorated for the future of our country and dedicated to their military service.”As an adult leader, volunteers must be available for the entirety of the seven-day camp and be willing to manage teens at the airport on travel days, chaperone teens assigned to their cabins, participate in activities and supervise kitchen duty, night recreation and sports activities, among other duties. 4-H center staff teach the outdoor education classes and oversee adventure activities, such as rock wall climbing, hiking, kayaking, river rafting, snorkeling, swimming, biking and dancing. However, adult leaders are asked to participate in all activities, as well as lead small mentoring sessions, assist in workshops, supervise flag raising/lowering ceremonies and serve as chaperones on buses during travel for activities.Georgia 4-H and other partners provide airfare, lodging and meal expenses for adult leaders. Travel to and from the airport is not provided. For each summit, adult leaders arrive one day prior to youth to meet other leaders and staff and to attend training.Applications are due May 1. Interested adults should complete all forms with a wet or digital signature to be considered. To download the packet, visit Georgia4H.org/militaryvolunteer. The application packets include the 2019 Adult Leaders Application, UGA Application for Screening and UGA Volunteer Agreement. Completed application packets can be emailed to [email protected] or faxed to (706) 542-4373. All adult leaders are subject to a background check.For more information on Georgia 4-H and Military Programs, visit Georgia4H.org.
Sign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York More than a year-and-a-half following the devastation of Superstorm Sandy, local and federal officials are continuing the arduous process of attempting to solve of the problems that contributed to the disaster—and that includes the memorable gap in gasoline supply, which sparked chaos at the pumps, leading to unbearable lines that snaked along local roads, some more than a mile long. On Friday, federal officials announced a plan to create an emergency fuel reserve near New York Harbor that will store a half-million barrels of gasoline meant for short-term relief in emergency situations. Sandy, which struck Long Island and New York City on Oct. 29, 2012, seriously damaged two area refineries, and also forced the closure of more than three-dozen terminals in New York Harbor due to power outages and water damage. Gas stations throughout Nassau and Suffolk counties also experienced outages, making them unable to accept deliveries and pump gasoline to fuel cars and generators. “The sudden, massive gas supply shortage after Superstorm Sandy resulted in interminable line, panic and delivered a gut shot to the region’s economy,” Democratic Sen. Chuck Schumer said in a statement. “That’s why we called for regionally-placed reserves to ensure an uninterrupted fuel supply in the event of future storms like Sandy.” The gasoline reserves will be established by the Department of Energy, officials said. In a statement, Energy Secretary Ernest Moniz said the reserve will “help ease the effects of potential future gasoline supply disruptions.”The Energy Department anticipates awarding contracts for commercial storage by late summer 2014, officials said. Last October, New York State announced its own pilot program to prepare for a future gas supply crisis called the “Strategic Gasoline Reserve,” which Gov. Andrew Cuomo said “will prevent the days of long lines at gas stations if another storm hits.” The reserve, designed for Long Island, will hold approximately 3 million gallons of fuel for drivers and first responders, officials said.
Newsroom GuidelinesNews TipsContact UsReport an Error “We really believe we can get somewhere special this year,” World Peace said. “We want to have fun and not let it affect our play. We talked about that early. Whoever is on the floor is having fun and playing a great time.”Becoming mindfulThe explanation usually traces back to some detailed analysis on mastering game film or becoming more familiar with NBA personnel. Instead, Suns coach and former UCLA standout Earl Watson attributed Phoenix ranking fifth out of 30 NBA teams in perimeter defense (31.3 percent) toward holding weekly yoga sessions.“When we get into late game situations, we don’t panic,” Watson said. “We’ve been connected in all kinds of different ways.”Watson, a former 12-year NBA player after starring at UCLA from 1997 to 2001, first took yoga and pilates classes around 2006 after learning former NBA guard Jason Kidd credited that regimen toward his longevity.After wishing he focused on improving his breathing, mobility and mindfulness earlier, Watson vowed he would feature that as part of his coaching instruction.“I slept well at nights, so it became an addiction for me,” Watson said. “It became a spiritual high. It’s an amazing connection.”Giving backAfter accomplishing plenty as a former Lakers player and executive, Golden State Warriors advisor Jerry West received the Bill Sharman Humanitarian award on Saturday for his various charitable efforts. San Pedro-based Sharefest hosted an auction with proceeds helping local youth with mentors and resources. Sharman’s widow, Joyce, chaired the event and presented the award named after the late Hall of Fame Lakers executive and coach. .“I don’t like to be honored and thanked for the things that I’ve done,” said West, who also has supported a reading center at his alma mater at West Virginia University. “But it’s amazing to interact with some of these kids who haven’t had a chance in life. Watching these young people get up here is unbelievably impressive. To Sharefest and the people involved, please don’t stop helping disadvantaged children.” The Lakers have shouted three memorable words during huddles. They yelled the same thing after an upset win last week against Golden State.“I love basketball!!!” the Lakers have shouted endlessly. The slogan goes beyond a cheesy phrase invoking nostalgia for the Lakers’ profession. Lakers forward Metta World Peace also said those words when he entered last week’s game in Indiana for spot minutes while Timofey Mozgov left with an injury. Since then, World Peace’s phrase has resonated with his teammates and become a filter on the Lakers’ Snapchat account. “They enjoy it. But I told them they better watch out,” Lakers coach Luke Walton said before Sunday’s game against the Phoenix Suns at Staples Center. “I hope Metta’s not having a bad day. If they keep messing with him, he might end up hurting one of them.”It hardly seems World Peace ever has a bad day. He considered it “cool” the Lakers have repeated his phrase. World Peace found it “funny” that Walton instructed his teammates not to tease him too much. And World Peace praised Lakers second-year guard D’Angelo Russell for leading the movement. “He’s accepting the veterans teaching him how to lead. He’s not saying, ‘This is my team’ and not taking feedback,” World Peace said. “He’s taken a lot of feedback. It’s really good. That’s something he wanted to do.”Russell suggested the same thing, saying, “When you say ‘D’Angelo and leadership’ and all that, there’s so many more guys that stepped up to the plate to bring that. It’s not just me.” Regardless, World Peace found the gesture a positive reflection on how the Lakers have tried to grow by mixing work with playfulness.
James Conner injury newsAdam Schefter reported before Week 9 that Conner (shoulder) would be “in jeopardy” of missing Pittsburgh’s Week 10 matchup with the Rams. Jaylen Samuels caught 13 passes with Conner out in Week 9, while Trey Edmunds rushed 12 times for 73 yards.MORE WEEK 10:Waiver pickups | FAAB planner | Snap counts | Trade values | Fantasy playoff SOSThe Steelers play in the late afternoon time slot Sunday, so if you can back up Conner with either Samuels or Edmunds, that might be the wise move. Samuels is a definite PPR star if Conner is out, while both he and Edmunds could start in standard leagues in a pinch. WEEK 10 NON-PPR RANKINGSQuarterback | Running back | Wide receiver | Tight end | D/ST | KickerWill Alvin Kamara play Week 10?The expectation before New Orleans’ Week 9 bye was that Kamara (ankle) would return in Week 10. He missed the two games before the bye, allowing Latavius Murray to dominate work in the Saints’ backfield. New Orleans hosts Atlanta’s weak defense in Week 10.The Falcons are a great matchup, and you’d obviously start Kamara if he’s back. Murray would be a fantasy starter as an RB2 if Kamara missed another game, and he still could have some FLEX value during this six-team bye.WEEK 10 DFS LINEUPS:Y! cash | Y! GPP | DK cash | FD cash | FD GPPDavid Johnson, Chase Edmonds injury updatesKliff Kingsbury said after Arizona’s Thursday night game in Week 9 that he expects Johnson (ankle, back) to play in Week 10. He’d said prior to the game that he still expected Chase Edmonds to miss “a few weeks” more. They join a backfield with newly acquired Kenyan Drake, who topped 100 yards in his Cardinals debut.(Update: David Johnson told reporters on Wednesday that he’ll play Sunday.)Johnson should reclaim his starting role, but his workload could be cut into by Drake. Once all three backs are healthy, it’s safe to assume one will miss out on action altogether while another will be a change-of-pace back to the starter Johnson. This Sunday, Arizona plays Tampa Bay, which has a much worse pass defense than run defense, so expect a heavy dose of RB receptions.WEEK 10 PPR RANKINGS: Running back | Wide receiver | Tight end A few top running backs look likely to make their return from injury in Week 10. Both Alvin Kamara and David Johnson likely return to the field and reclaim top 10 spots in our Week 10 RB rankings. Pittsburgh doesn’t look to have as promising a situation with James Conner and may be forced to work with the committee of Jaylen Samuels and Trey Edmunds once again in Week 10, making them both potential sleepers against the Rams.For injury updates on banged-up WRs Adam Thielen and DeSean Jackson, click here; for more on QBs Patrick Mahomes and Matt Ryan, go here; for the latest on injured pass-catchers A.J. Green, Brandin Cooks, and O.J. Howard, click here. Follow us at @SN_Fantasy for more news and updates.
6 May 2015 New help for golf clubs to target more women There’s new help available for golf clubs to attract more women to play the sport and to become club members.England Golf has produced a range of factsheets, supported by the findings from focus group research, golf clubs, other sports and other relevant insight.Women account for only 15 per cent of golf club members in England and, on average, there are 50 vacancies for women per club. In major European countries women account for around 30 per cent of golf club members.Lauren Spray, the Women and Girls’ Participation Manager for England Golf, commented: “Women offer the largest growth area in golf, with 63% of clubs targeting them for membership.“We’ve produced these factsheets to offer suggestions and recommendations based on the latest research and learnings from clubs which are having success. Clubs which want to grow their women’s membership can pick and mix from a wide range of ideas.”The factsheets cover key areas including recruitment, retention, playing opportunities, membership, websites and social media, club environment and volunteers. Guidance on marketing and communication will be available shortly.The key messages are underlined by focus group research carried out for England Golf by SPORTS MARKETING SURVEYS INC. This showed that:• Women prefer to learn golf in a group where everyone is new to the game. They feel uncomfortable making their first attempts in the presence of people who are already competent.• The social side of golf is very important to women. Introductory sessions should include time for a chat over coffee or a glass of wine.• Taster sessions should highlight the fun side of the game.• Equipment should be available so women can try the game and without spending much money.• It’s vital to challenge the view that golf clubs are not welcoming. Many women and young people are staying away from golf because of the misconception that clubs are elitist• Flexibility is all-important, whether it’s flexible membership packages or flexible ways of playing the game which take advantage of shorter formats.The factsheets are just one of England Golf’s initiatives to attract more women and girls into golf and a pilot scheme is to be launched shortly to target women in selected counties. In addition, a Women and Girls’ Advisory Group has been set up to create a forum for discussion and to provide feedback.Increasing the number of regular players and club members are two of the seven key themes of the England Golf Strategic Plan 2014-17, Raising Our Game. The strategy calls on all who care about the sport to work together to create a brighter future for golf.England Golf would be pleased to hear from any clubs experiencing success with women or girls’ recruitment and retention to add to our good practice case studies. If clubs have any information to share please click here to email Lauren Spray.
Learn about color from Merle Norman consultants.Concealer, for many woman, is the one make-up essential that they cannot live without. More than mascara or lipstick, concealer can dramatically change the way you look, but the key is picking the right concealer color, and then using correct application techniques.Understanding Neutralizing Makeup ColorsUnderstanding neutralizing colors is the key to effective concealing. Neutralizing colors are colors that appear opposite each other on the color wheel. For example, green neutralizes red, yellow neutralizes purple. Makeup concealers typically are available in three choices — green, yellow and lavender. You need to understand which color will neutralize the flaw. First, look at what you want to conceal. What color is it? Is it acne – red – or under-eye circles – purple? First identify, then you are ready to conceal.Covering-Up Dark Circles:Dark circles tend to be purple in appearance, so to conceal them you will need a yellow-based concealer that is one shade lighter than your natural skin tone. Yellow masks the purple and makes the skin appear brighter.Covering-Up Blemishes:Most blemishes are red, so use a concealer with a green tint. Due to the difference in color, do not use the same concealer that you use for dark-circles to conceal a blemish. Using a concealer brush, apply a stick foundation or cover-up stick onto the blemish. Finish by using powder to keep the concealer in place.FlawlessYour concealer should not be noticeable. If it is, you will need to change either your product or your application process.For expert training and application advice, visit Merle Norman in Lacey. Merle Norman consultants are available to match products to your skin type and concern, and then they will work with you until you know how to properly apply the makeup for incredible results.Madelin White, owner of Merle Norman Cosmetics, Wigs & Day Spa, also teaches a class for cancer patients called Look Good, Feel Better, where she teaches make-up application to camouflage issues that result from cancer treatment.Merle Norman Cosmetics, Wigs and Day Spa3925 – 8th Avenue SE, Suite FLacey, WA 98503360.491.4911 Facebook16Tweet0Pin0
Chelsea had the upper hand in the early stages of the Capital One Cup semi-final second leg at Stamford Bridge.With the tie finely poised after a 1-1 draw at Anfield in the first leg, Chelsea looked menacing during a frenetic start and might have been awarded a penalty in the opening five minutes.Diego Costa got the better of Mamadou Sakho on the right-hand side and picked out Willian, whose shot was blocked by Lucas with the ball hitting the Liverpool man’s hand as he threw himself in the way.At the other end, Raheem Sterling scampered towards goal after Kurt Zouma had misjudged a long ball, but the centre-back recovered to tackle him after Sterling had gone past Chelsea skipper John Terry.With Terry back in the side after being rested for Saturday’s FA Cup debacle against Bradford, Blues boss Jose Mourinho made a bold decision by retaining youngster Zouma and instead dropping Gary Cahill to the bench.Eden Hazard’s away goal means a 0-0 draw would take Chelsea to Wembley to face Tottenham or Sheffield United in the final – but only if that were to remain the scoreline after extra time. Chelsea: Courtois; Ivanovic, Zouma, Terry, Filipe Luis; Matic, Fabregas; Willian, Oscar, Hazard; Costa.Subs: Cech, Azpilicueta, Cahill, Ake, Ramires, Remy, Drogba. Liverpool: Mignolet, Can, Skrtel, Sakho, Lucas, Henderson, Moreno, Markovic, Gerrard, Coutinho, Sterling.Subs: Ward, Johnson, Lovren, Lambert, Lallana, Allen, Balotelli.Follow West London Sport on TwitterFind us on Facebook
South Africa has the weather, the courses … and the players. The country has produced some of the best in the game, including multiple major winners Bobby Locke, Gary Player, Ernie Els and Retief Goosen, and a host of others that regularly challenge for big titles around the world.Gary Player, a nine-time major winner, will forever be associated with two of the greatest players in the history of the game, Jack Nicklaus and Arnold Palmer. Together, those three took golf to another level, pulling millions of new fans to the game with their great battles down the years.Player’s career is an astounding catalogue of successes, with 163 career victories, far more than either Nicklaus or Palmer managed. Player is also probably the most travelled athlete in the history of sport, having flown in excess of 17.5-million kilometres during his career!An astonishing talentBobby Locke was an astonishing talent too. He lifted The Open Championship title four times. In a series of exhibitions in 1946, he played Sam Snead, the winner of a record 82 PGA Tour titles. The result? In 14 matches, Locke won 12 times.Ernie Els remains one of the most popular golfers in the world. His best years had appeared to be behind him, but a fourth major victory in the 2012 Open Championship showed that he still has “it”. Like Gary Player and Bobby Locke, he is in the World Golf Hall of Fame.His apparently easy-going demeanour earned him the nickname “The Big Easy”, although Els says that perception is not quite right; he admits to feeling big pressure, just like everyone else.Another reason for his nickname is the beautiful, lazy-looking swing that somehow propels the ball over 300 metres down the fairway.Els has regularly been one of the top money-winners on both the European and US PGA Tours, while also campaigning in Australia and South Africa, and sometimes in Asia.Retief Goosen is a quiet man; the only real noise he makes is by his achievements on the golf courses of the world. They say enough, however. He occupied a place in the top 10 of the world rankings for a long time and, like Els, has fared well wherever he plays.Goosen captured the US Open title in 2001 and 2004. He is also a two-time winner of the European Order of Merit. The man who stopped his three-peat was Ernie Els.New generationIn recent times a new generation of top South African golfers has emerged. It began with Trevor Immelman’s stunning victory in the US Masters in 2008, just four months after having a tumour removed. It was a stunning turnaround of his fortunes and it meant he had emulated his hero, Gary Player.In 2010, Louis Oosthuizen added his name to the list of South African Major winners by capturing The Open Championship at Saint Andrews by a sensational seven shots.Not long after that, his good friend, Charl Schwartzel , lifted the US Masters title at Augusta. He entered the final round four shots off the pace, but ultimately won by two shots after closing with four successive birdies, a feat never before achieved in the Masters.World CupTwo of South Africa’s most successful golfers of recent past, Els and Goosen won the World Cup of Golf for South Africa in 2001 and that success was repeated in 2003 at Kiawah Island, but with Rory Sabbatini and Trevor Immelman flying the South African flag.Previous victories by Els and Wayne Westner in 1996, Bobby Cole and Dale Hayes in 1974, and Gary Player and Harold Henning in 1965 mean South Africa is second on the all-time list of World Cup victories, trailing only the United States of America.Presidents CupSouth African golfers have also featured in the biannual Presidents Cup which pits an International Team, excluding European golfers, against the USA. Ernie Els has appeared in it seven times and Retief Goosen six times. Others to play include Charl Schwartzel, Tim Clark, Trevor Immelman, Rory Sabbatini, David Frost, and Fulton Allem.The 2003 Presidents Cup, played at Fancourt in South Africa, ended in a remarkable tie and led US captain, the legendary Jack Nicklaus, to call it: “the most unbelievable event the game of golf has ever seen.”Sunshine TourA very healthy local tour, known as the Sunshine Tour, that also co-hosts a good number of events with the European PGA, ensures that South Africa continues to produce the golfing goods. Over the years it has attracted some of the world’s top golfers, often early on in their careers.South Africa has the weather, it has the courses, and it has the talented players too.An event that stands out in the minds of many is the Nedbank Challenge at Sun City. The first golf tournament to offer a first-place prize of US$1-million, it has since gone on to be a destination of choice for those among the world’s top golfers invited to contest it towards the end of each year.Foreigners are now discovering why South Africa has produced such consistently good golfers over the years. The country boasts fantastic courses in a wonderful variety of stunning settings, and the golf tourism industry is really starting to hot up. It’s this combination of golfing ideals that continues to produce world class South African golfers.Would you like to use this article in your publication or on your website? See: Using SAinfo material
Customers who don’t have a credit cardbut wish to make an online purchase cannow safely use their debit cards incombination with their mobile phones.A payD transaction is accomplished ina series of easy, secure steps. Click the image for a larger version.(Image: MTN) MEDIA CONTACTS • Rich Mkhondo Head, MTN Corporate Affairs +27 11 912 4141 or +27 83 201 0254 RELATED ARTICLES • MTN offers life insurance in Ghana • Healthcare on your mobile • Bid for in-flight mobile use • Prestigious award for UCT project • Mobile technology for AfricaShamin ChibbaOne of South Africa’s leading mobile networks is looking to make online shopping easier for its customers.MTN MobileMoney has implemented payD, an e-commerce payment mechanism that allows consumers to buy products and services online with their debit cards.According to Rich Mkhondo, MTN’s head of corporate affairs, consumers will use their existing MasterCard or Visa debit cards for transactions and subsequently use their mobile phone to enter the pin to approve their purchases.“This means that e-commerce is now available to millions of South Africans that until now have not been able to make payments as they did not have a credit card,” said Mkhondo.PayD’s authenticated mobile transaction technology was developed by MTN MobileMoney. It uses MTN or Vodacom SIM cards and pin technology to turn mobile phones into secure encrypted point-of-sale terminals.Mkhondo said payD is unlike existing online payment mechanisms, as customers do not have to top up their account beforehand. Instead, they purchase items online with funds in their accounts, just as if they were using a credit card.Budget airline 1time was the first company to implement the system and has been using it for a month for online ticket sales. However, Mkhondo said MTN has been testing the mechanism extensively with 1time for over six months.He said that currently over 80 e-commerce merchants are live on the system – they include leisure operator Holiday Tours and electronics supplier The Gadget Shop.Currently, Standard Bank and Nedbank are the only two financial institutions operational on the system but Mkhondo expects the rest of the local banking industry to follow suit.He added that MTN will look to take payD beyond South Africa’s borders soon.Safer than credit cardsPurchasing online with a credit card has always been seen as risky. But with the debit card, merchants and consumers are ensured that transactions will be safer.Head of MTN MobileMoney’s new business development, Dave Parrat, said payD is as secure as purchasing products from a shopping centre.He added that payD is secured by high levels of hardware-based encryption. It uses the security of a SIM card to replicate that of a point-of-sale device.But the more crucial feature to its security process is that the service only works for the registered user through their personal mobile phone.For the service to work there would have to be three elements present at the same time. These are the debit card, the registered phone and the ATM pin.Transactions are completed in seven steps, or less for returning customers.When checking out online, the user selects the payD method then enters their mobile number. The user types in their debit card number before being asked to select their current or savings account and provide the card’s expiry date – first-time users have to do this step once, and thereafter just the pin is required.After entering the expiry date, payD requests confirmation via the mobile phone. Once the user has entered the debit card ATM pin on the phone the order will be confirmed on the website.Customers receive a message of confirmation which, Parrat said, does not remain on the phone when a transaction is complete. If the customer’s phone is lost, no one will be able to use it for transactions as they would need the customer’s debit card pin.Consumers, merchants save on extra costsMkhondo explained that before payD, South Africans used credit cards as the most common method of buying items online. However, only 3% of the population qualified for them.Now that payD has been implemented, online shopping is accessible to most bank card carriers.Consumers will avoid high interest rates as debit card purchases are priced at 1%, the same as a traditional point-of-sale terminal.With debit cards, online merchants now have a wider customer base to sell to. They will also save on the extra costs usually incurred with credit cards.Parrat said that previously, credit card transaction costs cut into merchant’s profit margins and reduced the range of products they were able to sell. However, with payD merchants are able to offer a wider product range.
By Barbara O’Neill, Ph.D., CFP®, Rutgers Cooperative Extension, [email protected] post describes small steps that people can take to create a margin of safety (a.k.a., a buffer or a cushion) for their personal finances. According to author and productivity expert, James Clear, the term “margin of safety” is an engineering concept used to describe the ability of a system to withstand loads that are greater than expected.For example, imagine that someone is building a bridge and the maximum weight for a commercial truck carrying a full load is around 80,000 pounds. An engineer on the project would build a bridge that can safely carry vehicles weighing far more than the maximum weight, just to be on the safe side.A margin of safety is crucial, not only in the world of bridges and construction, but also in many areas of everyday life. Having a “cushion” helps people deal with unforeseen problems and deal with life’s inevitable challenges. An example is shoveling a wide swath of snow from your driveway in case there is even more snow coming from another snowstorm before the first round of snow can melt. The way that people schedule their time is another example of the “margin of safety” concept. For example, if it takes 30 minutes on a day with “normal” traffic to get to work, you might leave 45 minutes ahead of time “just in case.” Finance, money management, margin of safety Return to article. Long Descriptionstevepb/Pixabay.com, CC0The “margin of safety” concept can also be applied to ways that people handle their personal finances. Below are five strategies to increase your financial margin of safety:Live Below Your MeansPeople who spend less than they earn have a cash cushion to weather the unexpected. Not only do they have positive cash flow (income greater than expenses), but they likely have accumulated some savings by living frugally and setting aside some of their extra cash. Those who are able to live on, say, 60% to 80% of their income can handle more financial stress than others who cannot.Build Adequate Emergency ReservesAn adequate emergency fund provides a margin of safety against unexpected events such as accidents and unemployment. Financial experts recommend setting aside three to six months expenses (e.g. $6,000 to $12,000 with monthly expenses of $2,000). Many households do not come anywhere near this amount, however, so today is a good day to start building emergency reserves.Any savings is better than none. Clear notes, “The bigger the buffer, the more chaos you can handle.” Pay Off DebtDebt is an albatross around personal finances. The sooner it is paid off, the more “wiggle room” people have to handle life events. Aim to pay off outstanding credit card debt in a year or less. The PowerPay debt reduction program from Utah State University Extension (see https://powerpay.org/) can create an accelerated debt repayment plan. Also, aim to make a final mortgage payment before retirement.Purchase Adequate InsuranceSometimes negative life events are so costly that, even with savings, people cannot afford to pay for them out of pocket. Examples include a cancer diagnosis or the inability to work for two years due to disability from a severe auto accident. This is where insurance comes in because the risk of loss is transferred to a third party (insurance company) in exchange for payment of a premium.Arrange Contingency OptionsExamples of planning for financial contingencies include having a line of credit for small business owners and freelancers to bridge gaps in their irregular cash flow, reverse mortgages as a financial planning tool (e.g., to delay the receipt of Social Security benefits so they will be larger), and preparing current estate planning documents (e.g., a will and advanced directive documents such as living will and durable power of attorney for health care).Want to take small steps to improve your personal finances? Take action today to build your financial margin of safety. Every small step that you take to prepare for life’s inevitable “bumps in the road” makes a difference. For examples of factors that promote resilience in times of financial stress, take this quiz.