Newspapers / Winston-Salem Chronicle (Winston-Salem, N.C.) / Dec. 19, 2002, edition 1 / Page 9
Part of Winston-Salem Chronicle (Winston-Salem, N.C.) / About this page
This page has errors
The date, title, or page description is wrong
This page has harmful content
This page contains sensitive or offensive material
Women on limited budgets get dollar-stretching tips BY COURTNEY GAILLARD THE CHRONICLE ? How to juggle dollars sensi bly was on the mind of Natalie Williams last week when she attended a community forum for women who wanted tips on how to be smarter with their money. The Forsyth County Infant Mor tality Reduction Coalition (FCIMRC) sponsored "Dollars and Sense for Women: Tips for Living Better on a Limited Bud get" last Thursday at the Depart ment of Public Health. Williams is a health care pro fessional who came to the forum to learn how to save money and plan for retirement now that she is single again. "1 read about it in the paper and decided I wanted to learn how to budget my money better and save for retirement," said Williams, who believes that males are groomed better than females on how to be more eco nomically independent and finan cially frugal. J. Nelson-Weaver, director for tjte FCIMRC, said the coalition held this nuts and bolts money management forum because financial stress tends to physically impact women, particularly while they are pregnant, which in tum can lead to a greater chance of infant mortality. "We know that financial stress puts a lot of hardship on women in our community whether they're pregnant or not. We are interested in helping women be healthy in all aspects of their lives so that it and when they try to get preg nant they can have a healthy baby," J Nelson Weaver said. High h I n n H pressure and fetal stress are among effects pregnant women can suffer when financial woes occur in their lives, Nelson Weaver said. Other agencies such as Today's Woman. Goodwill and Consumer Credit Counseling Ser vice (CCCS) were on hand with plenty of information for atten dees to pocket on how to hold on to more of their own dollars. L Williams Photo by Courtney Gail lard Financial planner Sandra Wilder makes a point. CCCS employee Margaret Brown advised women in the audience to stop spending and start saving. Brown is a single mother of five children who knows firsthand the importance of running a household on a tight budget. CCCS is a nonprofit agency that assists people of all economic backgrounds in achiev ing financial independence. "We want women to be more T financially aware and to take con trol of their finances as well as the rest of their lives," said Brown, who suggests that parents make saving money a family project by involving children and encourag ing them to save money in their piggy banks. "We underestimate children and their understanding.... You sit down (with kids) at any age and exp^ajn that we are saving and our savings is going towards a home. Disney World or a favorite toy," Brown said. The fact that most women outlive their husbands and men in general is reason enough to start saving for retirement, said Sandra Wilder, an independent financial planner. Retirement income, fam ily income and disability are three major key concerns of many women when it comes to finances. Wilder said. "Women (are concerned that they) may live too long and won't have the money that they will need to continue the lifestyle that they are accustomed to," Wilder said. "If we don't plan to protect those who we are caring for or we may have to care for. especially our children, then our children will be left (with the financial bur den)." According lo Wilder, women in this country make up more than 60 percent of the work force and collectively accrue incomes total ing $1 trillion. "Save, save, save!" Wilder said. "Be your first creditor....l don't care how little money you think you've got. You are wasting some money somewhere; we all do." Wilder emphasized that women save and invest money. Procrastination, pessimism, fail ure to plan and ignorance. Wilder said, are reasons why many women experience economic and financia)-failure. Wilder shared some financial rules that women should learn to live by: Save money as if you are going to be alone in the near future in the event you become single again: make retirement savings a top priority; know and protect what is rightfully yours;, learn how to take risks with money: and consider the financial implications of career moves. For more information from Consumer Credit Counseling Set - . vice, call H96-1I9I or visit' www.cccsforsyth.org. Hayes from page AI the community and had gained a reputation among lawyers as a fair and impartial judge. However, that did not stop his Republican opponent, Michael Hurst, from slinging a little mud Hayes' way. Among other things. Hurst claimed that Hayes was soft on drunk drivers, a charge that Hayes and a bipartisan band of local lawyers vigorously denied. Today, Hayes is proud of the fact that he never went negative even when the race was being called a tossup by some. Hayes ended up winning by more than 5,000 votes. "I only talked positively about myself. I did not criticize anybody. 1 just don't believe in that." Hayes' stellar reputation in this town was seven decades in the making. He was bom and raised here and played on the same streets that many of the people who came into his courtroom live. Hayes always believed that his local roots made him a better judge. "1 had a feel for a lot of the problems that are out there." he said. Soon after graduating from Atkins High School, Hayes mar ried his wife, Barbara. He credits his wife for indirectly steering him toward a career in law. After receiving an undergraduate degree from Winston-Salem State Uni versity. Hayes worked in the bank ing industry for nearly two decades. While he was set and content with his job, his wife was earning a master's degree. "I noticed that everyone else had a degree beyond 'bache lorette'." Hayes began taking law class es at night at Wake Forest Univer sity. Eventually, he enrolled in the N.C. Central University School of Law. At the time he was in his late 3()s. After earning his law degree. Hayes worked at the local Legal Aid Society and in private practice before accepting the judgeship. At one point. Hayes was the chief judge of local District Court. Like Hayes, Hartsfield went to law school in her 30s. She has been an admirer of Hayes' style since the first time she saw him in action. "I have learned from Judge Hayes how to be fair and impar tial....He could always find that right balance in the law." she said. Hartsfield said she will make footprints of her own as a judge. The ones that Hayes left are far too large to fill, she said. She does want to be a strong presence in the community as Hayes was as judge. Hayes never let his lofty responsibility on the bench keep him at bay. He and his wife are often seen at community forums, dances and banquets. "That is simply a part of us. I File Ph.*.. Left: Judge Roland Hayes sits in his office at the Forsyth County Courthouse. Above: Hayes and Rev. Shel don McCarter watch elec tion results from a television in 1998. was a banker for 16 years, and part of that job was being part of the community...." Hayes said. *i was one of the few judges that was list ed in the phone book. I felt that I had to be accessible." The Rev. Sheldon McCarter is the Hayeses' pastor at Greater Cleveland Avenue Christian Church. "He has been a pillar of strength and a source of encour agement for the congregation," said McCarter. who added that Hayes has also served as a role model for some and a father figure for others at the church. Hayes has been a member of Greater Cleveland Avenue for all of his life, Jjhe church thanked the Hayeses for their service recently by naming the fellowship center in their honor. McCarter. who has been pas- i tor for the past 14 years, said he, [ has met few people who are as * spiritually in-tune as Hayes. It is - that strong spirituality, McCarter " says, that keeps Hayes young at heart and soul, even as his years - advance. "He did not want to retire. He * still has five or 10 years left in * him. His mind is still sharp. His! I body is still strong," McCarter' ! said. * Hayes is adamant about not being ready to officially proclaim himself retired. He is waiting to hear back from the governor about the possibility of substituting for I local judges in emergency situa- I tions. He has not yet decided if he ' will return to private practice. Hayes says he has nothing but great appreciation for the people of the county. Hayes never dreamed that after starting a sec ond career fairly late in life that he, would ascend so quickly. The votes and support of the people gave him that chance. For that, Hayes said, he is truly indebted. Denny's from page A8 moting community service, is a crucial step towards fulfilling The King Center's mission of building the beloved community that Dr. King envisioned." said Rachelle Hood-Phillips. Denny's chief diversity officer. "Many of us do not know Dr. King's teaching on serving one another. It is our hope to rekindle his thinking and his words in the minds of the Ameri can people so that we make serv - ing one another, serving our neighborhoods and communities a way of life. We hope this cam paign will re-ignite these values among the American people." The King Center will use the grant to build operational capaci ty to introduce next-generation programs that advance Dr. King's core philosophies and legacy. Economy from page A8 The other five states - Alaba ma, Georgia, Tennessee. Virginia and West Virginia - saw declines. Georgia has seen the most severe job losses in construction with nearly 24,000 construction jobs lost there during the past year. Florida's increase of 85.660 jobs pulled the region into positive growth. North Carolina: Since 1995. North Carolina has seen manufac turing job losses in 27 or 28 quar ters. Nevertheless, the third quar ter's 1.3 percent seasonally adjust ed figure for job growth may sig nal some welcome improvement. Unemployment appears to have peaked across the state at 6.8 percent in the second quarter before dropping to 6.4 percent in the third quarter. In the third quar ter, the state received positive reports on both employment and unemployment. The N.C. forecast shows steady, modest improve ment in both employment and unemployment thmugh the next year. N.C. metropolitan areas: The forecast shows modest job growth for the state's three metro politan areas: Charlone. Greens boro/Winston-Salent/High Point and Raleigh/Durham. All areas are struggling to build balanced growth, especially the Triad, which has been hardest hit with job losses. Unemployment appears to have peaked in all areas. The forecast shows improvement in unemployment in all three metro areas through next year. Southeast metropolitan areas: In Atlanta, a decline in job growth of 2.5 percent is expected for this year. The Southeast's other major metropolitan cities appeared to have weathered the national downturn much better. Nashville has not had a single year-over-year job loss during the past two years" ^Greenville has been in positive territory for the past three quarters Richmond saw only small job losses during the past four quarters with positive growth expected next year. Mod est job growth with falling unem ployment is expected in each of these cities through next year. '?Happy Holidays i . y From i The Chronicle, Family Since rest wishes for hope, happiness and peace during this Holiday Season and throughout the coming year! 617 North Liberty St. ? Winston-Salem, NC ^ 336-722-8624 336-723-9173 fax ^ > 1 Merry Christmas!!! 1
Winston-Salem Chronicle (Winston-Salem, N.C.)
Standardized title groups preceding, succeeding, and alternate titles together.
Dec. 19, 2002, edition 1
9
Click "Submit" to request a review of this page. NCDHC staff will check .
0 / 75