Crossings Paths with Peter Koo

Quyền lợi mới cho phép các hội viên của Apple Health (Medicaid) sử dụng các phương pháp điều trị không xâm lấn, ít tốn kém hơn đối với chứng đau mạn tính như họ chọn Tóm tắtCommunity Health Plan of Washington (CHPW) là nhà cung cấp Medicaid đầu tiên và duy nhất của Bang Washington cung cấp cho hội viên …

Kicking Off Friday, September 16, Lineup of Free Performances Throughout New York City Includes Beetlejuice, Book of Mormon, Chicago, Kinky Boots, Little Shop of Horrors, Moulin Rouge! The Musical, SIX and Wicked NEW YORK – The Mayor’s Office of Media and Entertainment (MOME) today announced the return of its popular ‘Broadway in the Boros’ series, which features live performances in New York …

Update: August 24, 2022 – At the Aug. 23 Board of Supervisors meeting the Board voted unanimously to adopt both ordinances. Both ordinances will officially go into effect in 30 days (Sept. 23).  8/11/2022 Up​date: ​​​​ The Board of Supervisors yesterday approved two ordinances addressing camping and encampments near critical infrastructure such as levees and government buildings, wildfire and flood risk areas during severe …

August is Child Support Awareness Month, a national campaign aimed to spread awareness about child support services. The Sacramento County Department of Child Support Services (DCSS) takes this time to celebrate the thousands of families and children they serve and acknowledge parents as they make a positive impact on the health and financial well-being of their children. “Parents may worry that enrolling …

為即將高中畢業的孩子做好離巢上大學的準備是每一個家庭的重要里程碑。儘管您可能已經向孩子説明財務獨立的基本原則，但這很可能是他們有生以來第一次管理自己的金錢。 “趁現在花一點時間把有關錢財的事情從頭到尾和他們解釋清楚是一個好辦法，讓他們在抵達大學校園之前就能感覺到對管理金錢信心十足，”位於加州聖荷西的Northwestern Mutual財富管理顧問Jing Lee表示。“瞭解如何理財不僅有助於他們的大學生活，更是一輩子都享用不盡的本事。” 整理一下他們的收入和支出 財務健全的核心要件，就是支出不得大於收入 – 當然這必須從瞭解您的收入和支出開始。和孩子坐下來，將他們的每月支出，不管是油錢、菜錢、或是手機費，清楚列表。 相對於支出的就是收入。孩子除了上課外會兼差嗎？還是由您每月提供零用錢？任何答案都不會錯。最重要的是讓孩子有所預期，也讓他們瞭解錢不會像泉水一樣源源不絕。雙方有了共識之後，就可以開始估算孩子每月的大概收入。 教導孩子如何做預算 也許您的孩子屬於每花一分錢都會做記錄的極少數，但是這樣的機會不大。所以您既然已經和孩子説清楚收入和支出，現在就該和他們談談如何為每一筆支出留下記錄。 一個比較簡單的方式就是將支出分門別類。將每月收入分類做成預算的常見方式如下： 百分之60用於固定支出（類如手機帳單等必要支出）百分之20用於可有可無的支出（好玩的事物）百分之20用來達成理財目標（例如儲備緊急基金） 當然，要求一個收入有限的大學生百分之百嚴格遵守預算不是一件容易的事。這麽做最重要的目的是讓他們養成習慣，知道自己能夠遵循的大概支出數目。利用預算應用程式可以自動追蹤開支去向，甚至將支出分門別類，讓孩子清楚知道錢都用到哪裏去了。他們也可以即時查看帳戶結餘。 鼓勵他們儲存一筆緊急基金 任何年齡的人都應該在手頭準備一筆緊急基金。緊急基金是在出乎意料的事故發生時用來支應的一筆現金。前述預算中的百分之20就可以用來作爲儲蓄緊急基金之用。就算他們無法存滿通常建議的6個月支出總額（1個月也許更爲實際），但讓他們養成儲備現金保護層的習慣有助於在未來達成財務健全。 教導他們如何建立信用 您的孩子可能很快就會遭受學生信用卡的廣告轟炸。擁有一張信用卡是建立信用歷史的好方法，但是如果缺乏對信用卡如何運作的瞭解，他們可能正逐步走向財務危機。“風險在於他們可能將信用卡視爲免費金錢，累積大筆債務，長期下來反而對他們的信用造成負面影響，”Lee表示。 除非您將孩子加入您的帳戶成爲授權使用者，否則這個年紀的孩子大多沒有信用記錄。（如果孩子有信用記錄可能是身份竊盜的警訊。）這表示他們的記錄應該是乾乾净净。保持優良的信用有助於他們在人生任何一個階段輕鬆取得貸款。 請使用以下核心概念開啓您和孩子的談話： 信用分數是什麽，爲什麽如此重要？我應如何建立我的信用？那些習慣有助於成就優良的信用？ 鼓勵他們建立長期目標 10幾歲的孩子很難自然而然的對未來繪製長期願景，所以您可能必須提醒他們進行長期規劃有許多附帶的好處。和他們談談他們的計劃 – 從與朋友度假到購買新車。然後幫助他們估算一下需要存多少錢才能達成這些目標。一旦他們心中有了一個數目，您就可以將這個數目打散成多個較小的數字。每個月需要存多少錢才能在一年内達成目標？如果他們手頭拮据，爲了不讓他們失去儲蓄的動力，您可以考慮比照他們存款的一部分提供對應基金。 #### Northwestern Mutual 簡介Northwestern Mutual 幫助個人和企業達成財務保障已有超過165年歷史。通過整體性的規劃方式，Northwestern Mutual 結合專業理財顧問的專長、個人化的數位體驗、和領先業界的產品，協助客戶規劃最重要的事務。包括公司與客戶的總資產5610億美元，收入340億美元，和價值2萬1000億的有效人壽保險保護，Northwestern Mutual為將近500萬依賴本公司的壽險、殘疾收入和長期照護保險、年金、中介和顧問服務的民眾提供財務保障。Northwestern Mutual在2022年財富雜誌500大（FORTUNE 500）公司中名列97，獲財富雜誌（FORTUNE®）認可為2022年 “全球最受愛戴”的人壽保險公司之一。 Northwestern Mutual是The Northwestern Mutual Life Insurance Company (NM), Milwaukee, WI（壽險和殘疾保險、年金、及包括長期照護福利的壽險）及其子公司的市場營銷名稱。子公司包括Northwestern Mutual Investment Services, LLC (NMIS) (投資中介服務)，中介-經銷商， 註冊投資顧問, FINRA 和SIPC會員; Northwestern Mutual Wealth Management Company® (NMWMC) (投資顧問與服務), 聯邦儲蓄銀行;及 …

This book was a project developed by the Inter-Agency Standing Committee Reference Group on Mental Health and Psychosocial Support in Emergency Settings (IASC MHPSS RG). The project was supported by global, regional and country based experts from Member Agencies of the IASC MHPSS RG, in addition to parents, caregivers, teachers and children in 104 countries. A global survey was distributed …

Stockton, CA—San Joaquin Regional Transit District (RTD) will provide free connections to any of the twelve San Joaquin County’s cooling centers on days when temperatures are forecasted to be 100 degrees or hotter and as long as they remain open.  Complimentary trips are available on Local, Hoppers, and Van Go! services for those who need a ride to a cooling center.  …

Operator’s Flex Alert Requests Voluntary Conservation Today – Wednesday from 4 p.m. to 9 p.m. Customers Can Be Rewarded for Taking Simple Steps to Save Energy and Protect Grid Reliability OAKLAND, Calif.—With hot temperatures and high energy demand across California, the state’s power grid operator is asking residents statewide to voluntarily conserve electricity this afternoon and evening when the grid …

새크라멘토, 캘리포니아 – 캘리포니아는 극심한 가뭄에 시달리고 있고, 주 전역의 지역들이 이 건조한 여름을 견디고 있으므로, 물을 아껴야 한다는 절박감이 고조되고 있습니다. 최근 몇 년 동안 현명한 물 사용 습관이 받아들여져 물 낭비를 줄이기 위한 큰 진전이 있었지만, 3년 연속 건조한 해를 경험하고 4년째로 준비를 시작함에 따라 물 절약 노력을 향상해야 합니다. 모든 사람이 취할 수 있는 첫 번째 단계 …

Sacramento, Calif. – California đang trong tình trạng hạn hán cực độ, và khi các khu vực trên toàn tiểu bang đang phải chịu đựng những tháng mùa hè khô hạn này, người ta càng có ý thức cấp bách phải tiết kiệm nước. Trong những năm gần đây, đã có nhiều nhiều tiến bộ vượt bậc đối với việc …