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Hi, I'm Jennifer Rooks and this is Making Sense New England. |
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Welcome to Making Sense New England, a monthly series about the economy and you. We're here to share ideas, advice and solutions to the economic challenges facing all of us. The stories come from neighborhoods throughout northern New England and take on some of the problems caused by the recession. Today, we take you outdoors to plant a recession-proof victory garden. And - financial literacy, learned on the job. Plus - advice from a job-hunter. First -- If you - like many people - are watching the household budget closely these days, you're probably not planning to take the family on a vacation to Europe or a tropical island. In fact many families have been cutting way back on their vacation plans, and taking "stay-cations" instead of vaca-tions.. |
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Life coach and career counselor Virginia McCormack of Wells, Maine is raising three active kids on her own… Alex … Elise … And Sean. As a single mom, Virginia is careful with the family budget. So when her family has time off together… they usually stay close to home. They are experts at taking "stay-cations." 45:18/Virginia I try to keep it under $100, and that's pretty easy to do. Especially if you pack your own lunch and then - sometimes even 50-bucks will do the trick. :28 The McCormack family is pretty creative with stay-cations. Sometimes they travel to a campground, but mainly, they don't. 43:11/Virginia You know, it's really fun just staying right here. Like, we'll even put up a tent, and spend the day at the beach, and then have a campfire and then sleep outside and do stuff right around here. :23 51:21/Alex Maybe like every month, we have a day where we just stay outside all day and play like every different kind of sport like an Olympics kind of. Like we play basketball and we swim and we play football and soccer and a bunch of other stuff, so it's really fun. :27 51:40/Elise I like swimming in the pool. We have a trampoline beside it, and we usually do front flips into the pool off the trampoline. Also, playing on the ropes, which we have outside, and we do flips on them and stuff, it's really fun. :00 52:20/Sean Sometimes, like mom said, we go outside in the tent, and we eat in there and pretend we're on a camping trip or something. And we like bring stuff in there like games and stuff. We play games at night and it's really fun. :34 There's not really any hard data on how many families, like the McCormacks, are opting for stay-cations instead of vacations these days. But clearly, it's a trend. Steve Hewins, is vice-president of AAA Northern New England. *1:01:56/Steve Hewins We recently surveyed the membership - and of course, AAA has 890-thousand members in Maine, New Hampshire and Vermont, so it's a lot of people. And, we find that people are, some people are, sticking closer to home. In the study we just did in March, about 31-percent of people are choosing to stay closer to home on their vacations. 60-percent are driving. So we know that more people are traveling closer and trying to explore the area maybe a little more than take the long-distance trips to Europe or Florida or the Caribbean, that sort of thing. :25 Hewins points out that Northern New England isn't exactly a terrible place to have to plan a stay-cation or trip close to home. 1:03:46/Steve Hewins We don't live in Kansas, let's say - not to say anything bad about Kansas, but it's not really where people choose to go typically. Northern New England - Maine, New Hampshire, Vermont, is a world-class destination for a lot of people, not just in the country, but around the world. :58 The McCormack kids say they don't really want to go on a big, fancy vacation, anyway. 54:26/Sean I think the funnest vacations are when you stay here and like do stuff at home like go to the beach or play in your backyard or play basketball, if you have a basketball hoop or something. I actually think it's worse to travel, because then you have to get in the car and go on a long ride. :43 54:55/Alex I think it's fun to stay home on vacations, because when you go on vacation you like, don't know anybody, but when you stay home with people who also have stay-vacations, or "stay-cations," you can hang out with them, and you can do things with them like get together and maybe go to a movie and play outside and stuff. :16 For them, and for many others, there's truly no place like home. |
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If you'd like to share your stay-cation tips, please head to our website: Making Sense NE.org. Graphic Until recently, the backyard vegetable patch was mainly a labor of love and relaxation. But ever-tightening household budgets have given us an additional incentive to grow our own food - saving money. Here's gardening guru, Charlie Nardozzi with some tried and true techniques for growing your very own lovely, relaxing and recession-busting vegetable crop. Recession Victory Gardening Burlington, VT Charlie Nardozzi National Gardening Association |
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You can watch a number of other Charlie Nardozzi gardening videos and learn much more about the basics of successful food cultivation by visiting the Making $ense New England website. With many people looking for work, MSNE wants to lend a hand. We've asked viewers to share their ideas about how they approach the job search. Gene Goldstein is a marketing executive whose job was eliminated in July 2009. He now mentors employees as a way of both helping them out and himself. This is Gene Goldstein's job search in his own words. |
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Gene is currently mentoring employees at a Manchester, NH business. If you want to share thoughts or ideas about your job search, post a comment at MAKING SENSE NE.ORG Learning about money and finances may not be top of mind for many young people but with that knowledge there can be significant payoffs. Making Sense correspondent Phil Vaughn is in Windham, NH with a story about financial literacy and what it means for youth. A Jump Start Windham, NH Taylor Morin High School Senior Jay Yennaco Owner, Delahunty Nurseries Dan Hebert NH Jump$tart Coalition |
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N1 - Most of us have done it -- sound - that part time job after school. Working to buy a car, or a truck - perhaps save a bit of money for trip with friends. Taylor Morin works. Taylor -2-1400 "Four years, all through high school." N2 - And he does what's needed at this nursery in Windham, NH. Taylor - 2-1435 "It's been cool starting out watering then moving up here…good experience." Jay 5 - 3045 "Taylor's work ethic is second to none for anyone his age." N3 - Jay Yennaco is Taylor's boss and former neighbor. In 2007, after retiring from a career as a Major League Baseball pitcher, Yennaco bought the business. He was delighted to see the neighborhood kid working there. Taylor, he says, is different from most other teens. Jay 5 3140 - "Their priorities are where they usually are… beneficial for a business owner." Taylor - 1414 "The best thing is for the money…that's what I've been working for." N4 - It may not have been what he intended, but after four years of watering plants, serving customers and managing money - Taylor's learning about financial responsibility. Taylor 1533 "As I've gotten older and … in running a small business." Dan 2420 - "I've known Taylor since the day he was born. His father and I went to high school together." N5 - Dan Hebert is president of the NH Jumpstart Coalition -- a national organization promoting financial literacy for young adults. Dan 2830 - "When you think about the complexity of the financial world today… financial education is a skill they have to have." N6 - But, says Hebert, parents and schools do a poor job teaching young people about money. Dan 2933/2949 - "The reality is economics…teach our kids. And then you have to look at parents…why it's working." N7- Jay says that the work ethic demonstrated by Taylor can go a long way in building a foundation for financial know-how. Jay 3245 - "I think the work ethic can be self -educating…spend and save money." Taylor 1830 - "For what I buy I don't just buy it.to make that money back." Dan 2520 - "He identified very quickly about the notion of what we talk about needs vs wants. So what has he done, he's bought a truck, snowmobile but he's saved money to go to college. He's done… financial literacy." N8 - Taylor plans to one day be his own boss. Until then, he's willing to take whatever guidance people will lend. Jay 3706 - He thrives for more information…large small." N9 - will taylor gen learn from recession Dan 3055 - "Will this country go back to as save to spend approach… |
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The Maine Jump Start coalition, along with the Maine Department of Securities and several other groups… recently hosted the first-of-its kind financial literacy summit in Maine. 160 people, mainly teachers, came to the daylong event. The keynote speaker was Jeanne Hogarth, with the Consumer and Community Affairs division of the Federal Reserve Board. 18:34:23/ Jeanne Hogarth/Federal Reserve Board One of the reasons we want people to be financially literate is so that they can spend the appropriate amount of time managing their finances, but that it doesn't become the only thing they do in their lives. :39 Hogarth said research shows most teachers believe personal finance is important for students, but many are hesitant to teach it. 18:41:59/Jeanne Hogarth Many of us feel really, really good about teaching what we think we know. And we don't feel we know finances. So therefore, we don't teach. And I gotta tell you - I'm the first person to stand up here and say - this is not rocket science. If you can give your kids a good handle on math, a good handle on comparison shopping, they're going to be a long way away down that road for financial capability. :26 Teachers were each given a thumb drive full of information they could take back to their schools and share. The director of Maine's Office of Securities, Judith Shaw, says teaching personal finance at a young age, can make a huge difference in someone's life. 19:01:12/Judith Shaw/Maine Office of Securities It can have a huge impact. Not only what is happening in the schools, but also, if we can get parents invested, perhaps working through PTA organizations, what we're learning is that youth, in the home, if they're talking about finances with their parents, then they're going to be more successful and if educators can try to incorporate financial literacy in a way that is real and relevant to students, they're going to carry those life skills forward. :39 |
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For more information about JumpStart and other financial literacy programs, go to MAKINGSENSE NE. ORG GRAPHIC As long as there are investors in search of a good return there will be investment scammers trying to defraud them. Fortunately, there are also regulatory investigators working behind the scenes to protect your financial assets from criminal activity. Making $ense New England correspondent, Bridget Barry Caswell recently caught up with one of theM to find out about the latest scams and ways to protect yourself against them. Bill Carrigan, CFE Securities Examiner VT Banking, Insurance, Securities and Health Care Administration |
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If you have questions about the legitimacy of any type of investment or believe that you're a victim of fraud, immediately contact your state regulatory agency. For information on the agency in your state visit our website at makingsensene.org. I'm Jennifer Rooks - thanks for being part of Making Sense New England. |
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Did you have a reaction to any of the stories or interviews featured in this program? Did we miss anything or do you have suggestions for future Outlook espisodes? If so, we want to hear from you. Drop us an email at nhoutlook@nhptv.org. As always, you can find these stories and more online at nhptv.org/outlook. VERSION ONE: Connect with us online. New Hampshire Outlook is available online on demand at nhptv.org/outlook. We've been streaming our programs since Outlook premiered in September 2000. Whether you want to watch this show again, email it to a friend, search and watch past programs or get more information on thousands of stories and topics, you'll find it all at nhptv.org/outlook. VERSION TWO: Connect with us online. New Hampshire Outlook is available online on demand at nhptv.org/outlook. VERSION THREE: Connect with us online. New Hampshire Outlook is available online on demand at nhptv.org/outlook. Whether you want to watch this show again, email it to a friend, search and watch past programs or get more information on thousands of stories and topics, you'll find it all on our website. |
| key: Business /Industry Return to index of stories... |
Making Sense New England #105 Air Date/Time: 3/18/2010 HOST: Jennifer Rooks Length: 7:15 Hi, I'm Jennifer Rooks and this is Making Sense New England. Welcome to Making Sense New England, a monthly series about the economy and you. We're here to share ideas, advice and solutions to the economic challenges facing all of us. The stories come from neighborhoods throughout northern New England and take on some of the problems caused by the recession. Today, you'll learn how to start a new career - after retirement. And - not all free lunches are created equal. Plus - a little etiquette during these tough times - please. First -- one of northern New England's icon industries is threatened - commercial fishing. There are fewer boats on the water, more regulations and declining markets. So, how have the men and women who catch fish reacting to the bad news? Correspondent Phil Vaughn is in Seabrook NH to show you. PRODUCER/REPORTER: Phil Vaughn NAME OF PARTICIPANTS: Bob Campbell\Manager, Yankee Fisherman's Cooperative, David Goethel\Fisherman, Ken LaValley\University of New Hamsphire, Michael Meagher\Customer. |
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Making Sense New England #105 Air Date/Time: 3/18/2010 HOST: Jennifer Rooks Length: 7:32 Hi, I'm Jennifer Rooks and this is Making Sense New England. Welcome to Making Sense New England, a monthly series about the economy and you. We're here to share ideas, advice and solutions to the economic challenges facing all of us. The stories come from neighborhoods throughout northern New England and take on some of the problems caused by the recession. Today, you'll learn how to start a new career - after retirement. And - not all free lunches are created equal. Plus - a little etiquette during these tough times - please. Today's unsettling unemployment rates have discouraged many in our region from even trying to find work. But there is also a group of people who never imagined they would be looking for a job. Correspondent Bridget Barry Caswell reports. PRODUCER/REPORTER: Bridget Barry Caswell NAME OF PARTICIPANTS: Patricia Moulton Powden\Commissioner, VT Dept. of Labor, Pat Elmer\Executive Director, VT Associates for Training & Development, David Swainbank\St. Albans, VT, David Frisque\Park Ranger, Missisquoi National Wildlife Refuge, Ed Chase\Program Manager, VT Associates for Training and Development |
| key: Business / Industry Return to index of stories... |
Making Sense New England #105 Air Date/Time: 3/18/2010 HOST: Jennifer Rooks Length: 8:10 Hi, I'm Jennifer Rooks and this is Making Sense New England. Welcome to Making Sense New England, a monthly series about the economy and you. We're here to share ideas, advice and solutions to the economic challenges facing all of us. The stories come from neighborhoods throughout northern New England and take on some of the problems caused by the recession. Today, you'll learn how to start a new career - after retirement. And - not all free lunches are created equal. Plus - a little etiquette during these tough times - please. Have you ever received an invitation to an "educational seminar" about investing? If so, was there a fine meal offered as part of the seminar? These events are referred to as "Free Lunch Seminars," and they often target senior citizens. A recent study by AARP shows that 6-million Americans have attended a free lunch seminar. And in many cases, participants have been pressured in to buying investment products that they don't need. PRODUCER/REPORTER: Jennifer Rooks NAME OF PARTICIPANTS: Alyson Cummings\Maine Office of Securities, Michelle Zelkowitz\Portland, ME, Lenny Zelkowitz\Portland, ME. |
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Making Sense New England #105 Air Date/Time: 3/18/2010 HOST: Jennifer Rooks Length: 4:00 Hi, I'm Jennifer Rooks and this is Making Sense New England. Welcome to Making Sense New England, a monthly series about the economy and you. We're here to share ideas, advice and solutions to the economic challenges facing all of us. The stories come from neighborhoods throughout northern New England and take on some of the problems caused by the recession. The economic downturn poses all kinds of potentially awkward situations in our everyday personal dealings. Saying and doing the right thing has never been more fraught with possible social faux pas. So Making $ense New England asked Vermony Public Television's Bridget Barry Caswell to consult manners guru, Peter Post, for a few pointers on recession etiquette. PRODUCER/REPORTER: Bridget Barry Caswell NAME OF PARTICIPANTS: Peter Post/Director, Emily Post Institute. |