Phi Beta Sigma -KUS P.O. Box 341 Willingboro, NJ 08046 us

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    • Chapter History
    • Executive Board
    • Chapter Event Calendar
    • Sigma Beta Club
    • Sigma Wellness
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    • MEN OF KUS
    • KUS Honor Society
    • Sigma Community Services
    • COMMUNITY INFORMATION
    • COMMUNITY / MEDICARE
    • Military Affairs
    • PHOTO GALLEY
    • Blue&White Jersey Family
    • INTEREST IN SIGMA
    • KUS MEMBERS ONLY
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  • Home
  • Chapter History
  • Executive Board
  • Chapter Event Calendar
  • Sigma Beta Club
  • Sigma Wellness
  • KUS Scholarship
  • MEN OF KUS
  • KUS Honor Society
  • Sigma Community Services
  • COMMUNITY INFORMATION
  • COMMUNITY / MEDICARE
  • Military Affairs
  • PHOTO GALLEY
  • Blue&White Jersey Family
  • INTEREST IN SIGMA
  • KUS MEMBERS ONLY
  • MAKING A BETTER TOMORROW

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Phi Beta Sigma -KUS

Welcome to Phi Beta Sigma -KAPPA UPSILON SIGMA CHAPTER

Welcome to Phi Beta Sigma -KAPPA UPSILON SIGMA CHAPTERWelcome to Phi Beta Sigma -KAPPA UPSILON SIGMA CHAPTER

 

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.  





pARTNERS

American Cancer Society

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March of Dimes

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AID / HIV Epidemic

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National Debate Contest

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National Oratorical Contest

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CROSSROADS PROGRAM

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Resource Center

Jopwell Employment Center

Willingboro Community Newsletters

Jopwell Employment Center

 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. 

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Courier Post

Willingboro Community Newsletters

Jopwell Employment Center

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Willingboro Community Newsletters

Willingboro Community Newsletters

Willingboro Community Newsletters

 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. 

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How to Build YOUR Emergency FUND

The Bottom Line

What Will You Need

The Bottom Line

 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. 

KEY TAKEAWAYS

What Will You Need

The Bottom Line

 

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.

What Will You Need

What Will You Need

What Will You Need

 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.”

Why So Much?

Where to Put the Money

What Will You Need

 

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.


Where to Put the Money

Where to Put the Money

Where to Put the Money

 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. 

The Bottom Line

Where to Put the Money

Where to Put 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. 

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