Our Community Initiatives, Partnerships and Program
Phi Beta Sigma Fraternity, Inc., an international organization comprised of 150,000 college-educated men, focuses on issues that impact the youth and our communities. Through its national mentoring program for males ages 8-18, the organization provides opportunities for the development of young men as they prepare for college and the workforce. The organization's partnerships with the American Cancer Society, March of Dimes, Center for Disease Control and Prevention, Boy Scouts of America and the Thurgood Marshall College Fund speaks to its mission to address societal ills including health disparities and educational and developmental opportunities for young males.
The Phi Beta Sigma programs of Bigger and Better Business, Education and Social Action are realized through the Fraternity's overarching program, Sigma Wellness.
Sigma Wellness is a Phi Beta Sigma Fraternity, Incorporated signature community initiative adopted at Conclave Charlotte 2007 and has the following objectives:
1. To support Sigma’s vision of ensuring programs are focused and committed to serving our communities and serving young males through mentoring and scholarships.
2. To ensure symmetry among all of our organizational and community initiatives.
3. To develop a sense of pride and commitment in the community toward healthy living that will reduce the incidence of health conditions that adversely affect men of color.
Jopwell is a career advancement platform for Black, Latinx, and Native American students and professionals. We assist companies with their diversity recruitment, marketing, and retention efforts at scale.
The Courier-Post is a morning daily newspaper that serves South Jersey in the Delaware Valley. While based in Cherry Hill, New Jersey, United States, it serves most of Burlington, Camden, and Gloucester counties
The our residents with the latest on events and activities, Township closures, and community notices in Willingboro and other surrounding areas. To best serve our Willingboro Community, our job is to make sure that all information received is timely and accurate.
Medicare is a national health insurance program in the United States, begun in 1966 under the Social Security Administration and now administered by the Centers for Medicare and Medicaid Services. It primarily provides health insurance for Americans aged 65 and older, but also for some younger people with disability status as determined by the SSA, and people with end stage renal disease and amyotrophic lateral sclerosis. to learn more visit their website at Medicare.gov: the official U.S. government site for Medicare | Medicare . Use this link as your Guide to the different Medicare Enrollment Periods :
Having an emergency fund is a necessity. Think of it as a shock absorber for the bumps of life, one that’ll keep you from adding to the load of debt you most likely already carry. The coronavirus outbreak has shone a giant spotlight on the difference having an emergency fund makes when a crisis hits.
An emergency fund is a key component of any good financial plan.
The rule of thumb is that you need to keep between three and six months’ worth of household expenses in your emergency fund.
In order to populate your fund, you should find ways to economize and contribute those savings—along with any financial windfalls—to it.
While some call having one to two months’ wages in reserve ideal, most financial experts say that the recommended emergency fund amount should cover three to six months’ worth of household expenses. That’s a great idea, and a key part of any sound financial plan, but it also requires some effort to achieve.
The first step in the process is to figure out how much you spend each month.
While your household expenses may be higher or lower than the average, there’s no doubt that even three months’ worth of expenses is a big number. One look at that number and the average person’s first reaction is, “I can’t come up with that kind of money.”
The amount of money required to populate a proper emergency fund is certainly significant, but we live in uncertain times with uncertain economies, especially in the wake of the coronavirus. Corporate loyalty is a thing of the past, and unemployment can happen unexpectedly, usually at the worst possible moment. Even without a global crisis, emergencies such as sudden illness or disability, major car repairs or a new roof, can be expensive, and there’s never a good time for When compared to what you’ll need over the course of 20 or 30 years in retirement, three months’ worth of expenses doesn’t look like much.
Though the amount of money needed in your fund may seem daunting at first, remember that it is a drop in the bucket compared with the amount you will have to save for retirement.
Money market funds and high-interest savings accounts are two good places to park your emergency fund. You need safe, liquid options so that your money is accessible in times of need. These choices make it harder for you to dip into it (face it: you’ll be tempted to from time to time), and you’ll also earn a bit of return on the money.
View your emergency fund like an insurance policy. Once you have it, guard it carefully. It’s not a piggy bank. You should not using it for incidental expenses. In fact, as your salary rises, be sure to up the amount to match your new situation. Use the fund only in the event of an emergency and spend it carefully when you do need to draw on it. Remember, once that money is spent, it always takes much longer than anticipated to replace it. Start now and save whatever you can, even if it isn’t much. Having an emergency fund gives you a better shot at weathering a crisis without running up a credit card balance or taking out a personal loan.