Page 4 - Martin Downs Bulletin - August '19

Page 4, Martin Downs

Art HAppenings

The 35th Edition Of The for local artists. This Ranked as one of the top 50 art shows in the United States,

ArtiGras Fine Arts Festival program offers selected ArtiGras showcases a unique juried exhibition of 290 fine artists
developing artists
from all over the country. The 35th edition of this outdoor festival
Now Accepting Artists’ mentoring services, will run two days over Presidents’ Day weekend and will feature
interactive art exhibits, children’s activities, live music, youth art
professional booth photos
Applications and complimentary tent and recycling art competitions among other demonstrations. For
rental. Qualifications more information visit www.artigras.org.
New In 2020, The Festival Will Run Two Days include artists who have About Palm Beach North Chamber Of Commerce
Over Presidents’ Day Weekend And Offer never exhibited in a The Palm Beach North Chamber of Commerce serves 10
More Than $20,000 In Prize Money show and reside in the municipalities that make up Palm Beach North. The Chamber
Palm Beach County is one of the largest and most active business organizations
The Palm Beach North Chamber of Commerce is accepting area. Emerging Artist in Southeast Florida. The Chamber fosters a partnership of
artists’ applications at zapplication.org for the 35th edition of applicants should proceed Beth Garcia from Lakeland, Fla., private, public, education and civic organizations working
the ArtiGras Fine Arts Festival scheduled for February 15-16, in the same manner as who won best in show last year together to ensure Palm Beach North is Florida’s “Prosperity
2020, in Jupiter. Artists can apply for jury selection in 12 fine professional artists and Coast.” The Chamber’s four strategic imperatives are: A
art categories including Ceramics, Digital Art, Drawing and submit their artwork online through zapplication.org. Prosperous Economy, High Quality of Life for all residents,
Printmaking, Fiber (Wearable and Non-Wearable), Glass, Deadline for artists to apply online for inclusion in ArtiGras a Smart and Connected Region,
Jewelry, Mixed Media, Painting, Photography, Sculpture and is Wednesday, September 18. Artists can email artists@artigras. and Regional Leadership. For
Wood. org, call (561) 748-3942 or visit www.artigras.org for more more information visit: www.
ArtiGras also offers the “Emerging Artist” category information. pbnchamber.com.

Helping People Succeed’s White Shirt Night from page 1 For more than 50 years, Helping People Succeed has goal of Helping People Succeed is to help each person reach
served the community as a comprehensive organization that his or her potential.
During the evening, military veterans – who received a recognizes that many populations within our society need To learn more, visit www.hpsfl.org.
50 percent discount off the entry fee – wore special medals strength-based services that lead to self-sufficiency, personal
given to them by Helping People Succeed in recognition of responsibility and the ability to lead an everyday life. The
their service.
Beautiful silent auction baskets were decorated by Vicki
Davis, Martin County supervisor of elections, and one was
more breathtaking than the next.

Sara Hill, Susan Roberts and Carolyn Timmann at White
Shirt Night to benefit HPS
Craig Kingston, owner of Taste Casual Dining and Brad
Ayers at White Shirt Night to benefit HPS Photos by Brad Ayers and Glenna Parris

Bliss Browne, HPS Board chair, artists Dan Mackin and
Jeanne Mackin at White Shirt Night to benefit HPS Wealth ManageMent

The Cliffs Notes on Going inquires happen within a relatively short span of time (such
as one to two weeks), the credit bureaus will treat them as a
Into Debt for Millennials single credit inquiry.
Once you have established some credit for yourself, how do
For a generation that will be you give yourself the best credit score possible? Your credit
leaving college with more score can range from 300 to 850. A score of 620 is typically
student loan debt than any the minimum you will need to buy a home, and a score of 750
before it, the notion that a or above is considered excellent. It goes without saying that to
certain amount of debt can raise your score you need to make payments on time. But how
be good may be difficult to much of your credit should you actually be using? With credit
grasp. There is a life outside cards, the answer is pretty straightforward, and it surprisingly
of student loans, and chances is not 0%. To have the biggest impact on your credit score, you
are if you want to purchase a should limit the amount of outstanding debt at around 30% of
car or buy a home, you will your credit cards’ limits. If you don’t like the idea of paying
not have the funds available interest every month, you could even make a small purchase
Artists Pam Patterson and Laura DeBerard at White Shirt to pay cash for these things. every three months and pay it off. The idea is that you need
Night to benefit HPS This means you will have to show lenders that you use credit and know how to do it
to finance them, and when responsibly. Generally, your total debt-to-income including
it comes to financing debt, your mortgage (your total monthly debt payments divided by
it all comes down to your your monthly gross income) should not exceed 36%. Having
credit score. a debt-to-income ratio under this amount will allow you to get

Banks need to know you before they will lend to you. And the best interest rates. For your mortgage payments alone, as
the way that banks get to know you is through your credit a rule of thumb, you do not want these monthly payments to
exceed 28% of your monthly gross income.
score. This score lets them know how you handle debt, how
responsible you are, and how much debt you have. The higher Now, how can you get the most out of your debt? One of the best
your credit score, the better the interest rates and the more credit ways is to find a credit card that offers a rewards program you
you will have available. If you took out student loans while you like and pay the balance off every month. If you do not carry
were in college, you already have a credit score. a balance, you will not pay any interest. This is a great way

However, you may need to establish credit before then. Perhaps to earn rewards on your day-to-day purchases. A lot of credit
cards will even offer you additional points just for getting
Lori Nielsen; Dee Staley; John Cresswell; and Suzy you were able to get through college without taking out loans. one of their cards. And you can either carry a small balance
Hutcheson, president/CEO of HPS at White Shirt Night to All is not lost, as there are other options for you. The first on this card every month to build credit, or you can have an
would be to apply for a secured credit card. This is a great
benefit HPS option, especially if you are in your late teens or early 20s. additional credit card (remember the more open lines of credit
With secured credit cards, you make a deposit of cash, which the better) that you carry this balance on and that offers you
becomes your credit limit. For example, if you gave a lender additional rewards.
$250 as collateral, then $250 would be your credit limit. Once Lastly, don’t forget to monitor your credit score for free at a
you close the account, you get this money back. Another option web site such as Credit Karma. Your score will update monthly.
would be to have someone with established credit co-sign a Unless you order a credit report from one of the three credit
loan for you. Some credit card companies even have special agencies (Experian, TransUnion, Equifax), there will be no
lines of credit for college students. Generally, the more lines negative impact to your credit score for checking.
of credit (credit cards, auto loans, student loans, etc.) you have,
the better. Keep in mind that each time you apply for a credit Article provided by Bob Sander, Senior Vice President/
card or a loan, you will be subject to a credit inquiry. These Investments, with the Stuart branch of Stifel, who has attained
credit inquiries can potentially lower your overall score if they the Certified Financial Planner™ (CFP®) designation and the
become excessive. The exception to this is if you are applying Accredited Investment Fiduciary® (AIF®) certification. He can
for a larger purchase, such as a home, and you plan to compare be reached at (772) 403-8305 or sanderb@stifel.com. Stifel,
Cheri Vancura, Todd Magnan and Glenna Parris at White rates with a few lenders first. As long as these multiple credit Nicolaus & Company, Incorporated Member SIPC & NYSE
Shirt Night to benefit HPS