Budgeting and saving with HIWAY

When you set a goal, accomplishing it is easier said than done. Setting a financial goal can be a bit complicated. Whether you’re saving for college, a car, or even something for yourself, it takes a lot of discipline and determination to reach your financial goal when it may seem impossible. Saving money also starts with being financially stable, and knowing how to balance out your income.

MoneyJar.jpg

photo courtesy of HiWay Federal

Say you have a job and you get paid each week, or every two weeks. If you are trying to save money, but need some cash on hand, it’s up to you to decide how much you are willing to put away each time you are paid. It can be hard not having a lot of money to spend, and there have been some cases where people start to take money from their savings and spend it. I will admit, I am one of those people who has a hard time figuring out how much to save, or what to save, or anything concerning money.

People have different financial goals which they feel is a good investment to benefit themselves. As you grow up, you many have different things to start saving for like: college, or a car, or a home, or anything that you think is important to acquire with a good plan.

There are several ways that you can start to save money and grow financially. First thing is to start saving at least something, even if it’s a small amount. If you put $5 away in savings every week, that can grow and bring you closer to your savings goal. Second thing is to develop a strategy for your income. For example, if you are associated with both a bank and a credit union, it may help you to put some of your money at each place. It can help you to grow a habit of not touching your money as you save.

Handling money is a stressful skill that takes time for people to develop as they grow up. When it comes to saving money, no one’s perfect. But you can start by setting a goal and giving yourself an action plan towards achieving it in the future.

If you want to start saving money or have questions about other financial topics, stop by Hiway’s Scots Branch. We can help!

Should school start later? High school students weigh in

The St. Paul Public School district is planning a controversial vote on November 15 to change school start times for most high school students from 7:30 AM to 8:30 AM, for the 2018-2019 school year, according to the Pioneer Press. Changing school start times for the district has been discussed for years and the vote has been pushed back several times.

The SPPS district supporters of later start times for high school students cite studies that claim later sleep patterns, prevalent among high school students, have a biological basis. This results in 69% of high school students not getting 8 hours of sleep a night, when they should be getting at least 9. They contend also that later school start times do not affect when high school students fall asleep (according to the SPPS website page on the topic). Also on their website, they claim that an 8:30 AM start time is better academically, causing more students to score “proficient” on MCA math tests.

Those against later start times explain that implementing them will be costly and ineffective. According to the Pioneer Press, adding the necessary additional bus routes will cost the district at least 2 million dollars per year, and Metro Transit cannot afford to help without money from the state. They also protest that high school students will get home too late, especially if they are enrolled in extracurricular activities. The district admits that if school start times are changed, high school students who take care of siblings in elementary school may be unable to, as most elementary school start times would move from 8:30 AM to 7:30 AM, causing their school days to end earlier than high school students’.

But, how do high school students feel about later start times? Their opinions are often overlooked in this discussion. Below are interviews of four 9th grade students who gave their opinions on the topic.

Miranda Bade

I want the start times to stay the same. I’m involved in sports after school and it is nice to get home early. If the start times change to 8:30 AM I would get home later. This makes it hard to do go to practice and get all of my homework done. Getting off of school earlier makes it so I have more time after school to do things and to get stuff done.

Peter McHie

Personally, I think it would be a great decision to change the start times to 8:30 AM. I, for one have a difficult time waking up so early, and because of this I feel like it might be impacting my performance at school, even if it’s only a little. Also, my general demeanor/attitude towards school in general is infuenced by the early start time as I often feel very sad/angry in the mornings. I’m sure that having extra time to sleep would change that. Other students probably feel the same as I do.

Celia Morris

I don’t want start times to change because of after school activities. I play volleyball in the fall and track in the spring. If start time was to go later I would come home from my sports at 5:30 PM and on game nights I might get home as late as 10:30-11:00 PM, with lots of homework left to do. This might leave me to going to bed around 1 AM or 2 AM.

Ryder Hefferan

I would vote against changing the time, because I personally feel comfortable with waking up that early to go to school and I love having as much free time as I do after school. But, I do understand that some people would sacrifice free time for more hours of sleep.

Trump takes NBA by storm

Lately in the news, our president, Donald Trump, has been having issues with sports and its players. Trump has been making many different statements on the NFL and the whole dilemma about players kneeling during the national anthem and protesting during NFL games.

After an NBA team wins the finals, they earn a trip to go to the White House and shake hands with the president, they also get to give the president a custom made jersey, and many other things. Our past president, Barack Obama, was able to get custom jerseys from the Golden State Warriors (2015 NBA finals champs), the New England Patriots (2017 NFL Super Bowl champs), The Los Angeles Lakers (2010 NBA finals champs), and many others college and pro champions.

This past year, the Golden State Warriors won the NBA finals and beat the Cleveland Cavaliers four games to one in a five game series. Just like every year previous, the Warriors were going to head to the capital of our country and go and meet Donald Trump to give him his personalized jersey. All this was going well until Trump decided to make comments on the recent NFL protests, and that the players who are participating in these protests should “be fired,” and shouldn’t be able to play anymore.

Being a humble man, Stephen Curry, the superstar point guard from the Warriors, responded to the president’s tweet, as reported by the Washington Post, “And by acting and not going, hopefully, that will inspire some change when it comes to what we tolerate in this country and what is accepted and what we turn a blind eye to.”

Shortly after Curry made his remark, President Donald Trump tweeted out “Going to the White House is considered a great honor for a championship team. Stephen Curry is hesitating, therefore invitation is withdrawn.” According to the Washington Post, the Warriors responded to his tweet saying that they were fine with not going to the White House and they would “Constructively use our trip to the nation’s capital in February to celebrate equality, diversion, and inclusion.” 

In recent times, NBA commissioner Adam Silver, responded to the matter with multiple responses on the NBA’s official website. “I have a general concern as a citizen that there’s a huge gap – call it a gulf – in our society right now, and it’s incredibly divisive. And I believe this league can play a role in attempting to unify people.” He stated during an interview that he knows of an NBA rule that states that all players and coaches must stand during the national anthem.

Since 16 of the 32 states that NBA teams are based in voted for Trump, Silver was asked if he thought players making statements would offend the NBA fans. Silver replied with a no saying that he doesn’t think that players speaking out will be an issue.

According to the NBA’s official website, NBA player Lebron James commented on Silver’s response to a tweet he (Lebron) had made earlier on his personal twitter account “He (Trump) used the sports platform to try and divide us and sports is so amazing and what it can for everyone. No matter the shape, size, race, ethnicity, religion, etc.. People find many things because of sports and it bring people together….. I’m not going to let, while i have this platform to let one Individual no matter what the power he/she should have use sports to divide us.” 

Right now, sports and politics are colliding for reasons under the sole purpose of someone wanting to stand for something they believe in or stand for. These players are only trying to make a point for what they believe in and are being accused of doing something wrong by someone who should be leading our country and not saying words that upset us and divide us. After these events we should know how to stay together as a whole country and not let individual opinions of certain people change how we see things.

Tailgating 2017

Before most of our home football games, staff and students gather up for tailgating. Homecoming is no different. Clubs will gather outside the schoolhouse and sell food and/or other things for their clubs needs. This year’s tailgating is tomorrow, October 7th from 10:00 AM – 12:30 PM followed by the football game against St. Croix Lutheran High School at 1:00 PM.  

There will be a variety of food there to purchase from clubs like Union Latina, Asian Culture Club, and many more clubs. In the past, ULA has sold tamales and aguas frescas (horchata, jamaica, etc) and ACC has sold egg rolls. Many other clubs will be selling other drinks, types of food and snacks like walking tacos and cookies. There is also clubs selling Highland gear and doing face paint.

This year we’ll be selling shirts, temporary tattoos, and a front page photo!

The Plaid Line shirts, $8 HOMECOMING SPECIAL!!

Temporary tattoos, 50 cents each!

Front page photo, $1

Tailgating is always a blast! Make sure to stop by at our table, get your picture, tattoo and shirt! If you take any pictures make sure to tweet it to us @hpshplaidline!

 

Sports schedule for: Oct 9-13

For  a full calendar of events please refer to: http://www.sports.spps.org

Fall Sports: Co-ed Cross-country,Adapted Soccer, Football,Girls Soccer, Boys Soccer, Volleyball, Girls Tennis, Girls Swimming. Danceline, Cheerleading

Activities the Week of October 9-13

Monday Oct. 9:

Tuesday Oct. 10:

B Squad Football @ Minnehaha 4:15

Volleyball @ Central JV & C 5:30 Varsity 7:00

Girls’ Swimming @ Humboldt 6:30

Wednesday Oct. 11:

Thursday Oct. 12:

Volleyball @ HP vs Washington JV & C 5:30 & Varsity 7:00

Friday Oct. 13:

Varsity Football @ HP vs Providence Academy 6:00

Saturday Oct. 14:

Volleyball C & JV Tournament @ Harding TBA

B Squad Football @ HP vs Providence Academy 10:00

Go Scots!