We had a great turnout this week, 150 people attended between the Troy & Orion campuses to dive into our first lesson, Super Saving. We literally had rooms 304 & 306 packed to capacity in Troy. Orion had to move the class to a bigger room to accommodate the response. The chat room just wouldn't hold them. Thank you for working with us as we managed the great turnout. The room noise at Troy was not ideal and we have reserved an additional room for the breakout small groups next week to improve this. At Troy we secured an additional FPU facilitator that will start next week as well giving us 3 leaders going forward.
Your homework is on page 19 of your member workbook. We had 18 children from FPU attend the child care program last night at Troy! We plan to have child care at Orion for the Fall 2013 classes. If you need to make Child Care arrangements for Troy please contact Kimberly Holmes.
We talked about sinking funds and pre-autorised ACH transactions. I'm a big fan of both. Here is a pretty detailed run down on how we use both of these in our personal budget, Can you really fully automate your budget?, from a blog post I did last summer. I hope this is helpful. I'm excited to engage more with everyone next week. If anyone has specific questions please feel free to email me.
I attempted to order more workbooks this morning and learned that they have sold out of them. I have placed a back-order but they may be a number of weeks out on delivery. I have a pdf available of the whole workbook but it does not include online access. The workbooks are for previous FPU graduates. If you still need a workbook to update your membership kit let me know and I can discuss options with you.
See you next week.
dave, Tom, Patty, and Bill
Ten Questions to Ask at the Start of a New Year
Even those most faithful to God occasionally need to pause and think about the direction of their lives. It's so easy to bump along from one busy week to another without ever stopping to ponder where we're going and where we should be going. The beginning of a new year is an ideal time to stop, look up, and get our bearings. To that end, here are some questions to ask prayerfully in the presence of God.
1. What's one thing you could do this year to increase your enjoyment of God?
2. What's the most humanly impossible thing you will ask God to do this year?
3. What's the single most important thing you could do to improve the quality of your family life this year?
4. In which spiritual discipline do you most want to make progress this year, and what will you do about it?
5. What is the single biggest time-waster in your life, and what will you do about it this year?
6. What is the most helpful new way you could strengthen your church?
7. For whose salvation will you pray most fervently this year?
8. What's the most important way you will, by God's grace, try to make this year different from last year?
9. What one thing could you do to improve your prayer life this year?
10. What single thing that you plan to do this year will matter most in 10 years? In eternity?
Hi Everyone - We received a helpful summary document from our payroll service provider today summarizing the changes recently passed in the legislature. Here is a link to the document. dave
If your student loan debt is high relative to your income, you may qualify for the Pay As You Earn Repayment Plan. Most Direct Loans—except for Direct PLUS Loans for parents and Direct Consolidation Loans that repaid PLUS loans for parents—are eligible for Pay As You Earn.
The Pay As You Earn Repayment Plan helps keep your monthly student loan payments affordable, and usually has the lowest monthly payment amount of the repayment plans that are based on your income. If you need to make lower monthly payments, this plan may be for you.
As of Dec. 21, 2012, the Pay As You Earn plan is available for eligible borrowers.
To qualify for Pay As You Earn, you must have a partial financial hardship. You have a partial financial hardship if the monthly amount you would be required to pay on your eligible federal student loans under a 10-year Standard Repayment Plan is higher than the monthly amount you would be required to repay under Pay As You Earn. For this purpose, your eligible student loans include all of your William D. Ford Federal Direct Loan (Direct Loan) Program loans that are eligible for Pay As You Earn, as well as certain types of Federal Family Education Loan (FFEL) Program loans. Although your FFEL Program loans cannot be repaid under Pay As You Earn, the following types of FFEL Program loans are counted in determining whether you have a partial financial hardship:
Your payment amount may increase or decrease each year based on your income and family size. Once you’ve initially qualified for Pay As You Earn, you may continue to make payments under the plan even if you no longer have a partial financial hardship. Find out whether you’re eligible for Pay As You Earn.
More info here - http://studentaid.ed.gov/repay-loans/understand/plans/pay-as-you-earn
Dave Smith is part of the KCC finance staff and a Dave Ramsey Certified Coach.