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October 31, 2014     Heritage Florida Jewish News
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October 31, 2014

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PAGE 2B HERITAGE FLORIDA JEWISH NEWS, OCTOBER 31, 2014 The 2014 Israel Bonds' International Leadership Delegation Paris-Israel, held in September, was very successful. According to Izzy Tapoohi, president and CEO of Israel Bonds, "The success of the recent inter- national delegation to Paris and Israel can be measured by the fact that Israel's fore- most leadersIPresident Rivlin, Prime Minister Ne- tanyahu, Finance Minister Lapid and Defense Minister Ya'alon--all arranged their schedules specifically to meet with us. Had Foreign Minister Lieberman not been out of the country, he would have met with us as well, but he made sure to convey greetings through Deputy Foreign Minister Tzachi Hanegbi." President Rivlin praised Israel Bonds' "unique role in the growth of Israel and its transformation from an agri- cultural country to a modern global economy." Moreover, Prime Minister Netanyahu thanked the Bonds delegation for "your vote of confidence in our country (and) for your support, the backing you provide, and your acts of goodwill." The prime minister stressed the importance of maintaining a strong economy in light of geopolitical events. Finance Minister Lapid highlighted the organiza- tion's close ties with Israel, declaring, "These are times whenwe need our family more than ever, and you are family." 'The confidence Israel's top echelon expressed in the Bonds enterprise will be our impetus as we move into the final quarter of the 2014 sales effort. Israel faces economic challenge in the aftermath of Operation Protective Edge, and we must ensure the continued flow of capital through the sale of Israel bonds. This includes not only increasing the number of bonds sold, but increasing the number of investors as well. As 5774 draws to a close, we can look back on a year of considerable accomplish- ment. Nonetheless, the start of a new year means we must take these achievements to new levels," Tapoohi stated. Shown here (l-r), Chairman of theBoard Richard Hisch, President Rivlin, Israel Bonds International Chairman Jamie Schmidt and National Campaign Advisory Council member Susan Weikers Balaban. (Brandpoint)--At some point, everyone will have~ to learn how to live on a budget, whether it's at home, at work or with a nonprofit organiza- tion. For teenagers with a limited income and plenty- of interests that cost money, learning to manage a budget can never come too early. Money management is a necessary skill, and learning how to apply good manage- ment skills to a set budget at an early age can help teens grow into responsible adults. To help teens develop these financial skills, par- ents should work with their children to set a budget limit, create a list of wants and a list of needs, and look for ways expenses could be reduced. The following five tips pro- vide some ways to help a teen live within a budget. 1. Identifying technological wants and needs. It seems everyone has a smartphone these days, and teens often think they can survive only with the latest and greatest in cellphone technology. " However, the cost of the de- vice and service plans quickly adds up. Discuss with your teen how the phone will be all int.o categories. How many excellent ideas for holiday used, and find out if they are . of the purchases were needs and birthday presents. Es- willing to reduce expenses and how many were wants? tablishing savings goals early to save money on cellphone How many of the purchases will help teens work toward technology, were immediately consumed, purchasing that first car, One way teens can keep and how many lasted for a theirfirsthouseorsomething this area of the budget un- couple of hours or days? This else that is very important. der control is with Straight information will give the Parents should encourage Talk Wireless. For only $45 teenagervaluableinsightinto their teens to price check a month, Straight Talk offers his shopping habits and pat- their wish list as well, so they unlimited nationwide, talk, terns, allowing him to better know how much they'll need text and dataiall without a identify where his money is to save before they are able to contract or credit check, and going each week. purchase an item on the list. with4GLTEnationwidecover- 3. Develop a spending 5. Set up a savings fund. In age on America's largest and strategy. In some families, a relation to thewish list, teens most dependable networks, teenager may receive an al- should establish a savings Or, with the"BringYour Own lowancedesignatedforspecific fund. A discussion between Phone" option, you can even categories like transportation parents and teens should be on giveyourteenyouroldsmart- or clothing, for example. And how much money is put into phone and switch to Straight in some families, teens are the savings fund each week, Talkservicewithouthavingto expected to work to earn the when and for what reasons buy a new phone. Parents will spending money they'll use to money canbewithdrawn from also be interested in the new pay for fun and those needed the fund, and what the teen Safe Driver Car Connection items. As the budget is being plans to use the fund for. For available through Straight established, parents and teens example, is it only to purchase Talk, which blocks texting shouldhaveadiscussionabout itemsonthewishlist, oristhe while the teen is driving, what parents will cover and teenlookingaheadandsaving tracksthevehicleinrealtime what teens are expected to forcollegeexpensesorrentfor and monitors their driving cover. This helps teens estab- when they move out? behaviors, lish a spending strategy that Budgetingandwise money- 2. Create a spending jour- will not overlap with funds spendingskillswillserveyour nal. Teenagers can keep a already provided by parents, teen well for the rest of his journal for one week on every 4. Make a wish list. Wish or her lifetime. It's never too item purchased during that lists can help teens set goals early to start teaching, these week, as well as the item's for what they will save their lessons, so be sure to sit your price. Once the information money to purchase, and they teen down for a financial has been collected, divide it also give family members discussion today. (Brandpoint)ISmart- phones have become an essential part of everyday life; from texting and email to social media, Americans rely heavily on their mobile devices. If your mobile phone was taken away, how long could you survive without it? The answer may surprise you: nearly half (47 percent) of U.S. consumers polled say they could not go more than one day without their smartphone, according to the inaugural Bank of America Trends in Consumer Mobil- ity Report. An overwhelming majority (85 percent) say they check their phones at least a few times a day, while more than one-third (35 percent) admit to constantly checking their mobile device. The survey, which explored mobile trends and banking be- haviors among adults across the country, found the need for constant connectivity also extends to banking. Of those respondents who said they use their phones for mobile banking, almost one-third bile check deposit, and 38 (31 percent) say they log on percent use it frequently. at least once a day, and more "Our customers appreciate than four out of five (82 per- the convenience of being cent) access their accounts ableto complete their deposit at least once a week or more. anytime, anywhere and are Thereportrevealedfurther depositing an average of 170 interesting insights into thousand checks via mobile consumer mobile banking device every day," says Marc behaviors and preferences, Warshawsky, mobilesolutions including: executive at Bank of America. • Mobile banking is on •Consumerspreferamixof the rise. More than half (62 banking options. Mobile and percent) of respondents have online banking are becoming at least tried mobile banking, morewidely used, butvisits to while an overwhelming ma- bank branches are still com- jority (90 percent) are using mon. The survey found that online banking. When using 84 percent of respondents their bank's mobile app, U.S. have visited a bank branch consumers most commonly within the past six months. check their balance, transfer Most commonly, Americans funds between accounts and make a trip to the bank to pay bills, make a deposit, withdraw • Sophisticated banking funds and speakwith a bank- transactions becoming more ing associate. However, just prevalent on mobile devices. 23 percent of respondents say Consumers are also using they complete the majority of their smartphones for more their banking transactions complex transactions, includ- at a branch. Nearly half (47 ing mobile check deposit, percent) report turning to Nearly six in 10 (58 percent) mobile or online banking as respondents have used too- their preferred method. • Consumers comfortablesecurityfeaturetogainaccess Foradditionalinsightsinto with added security mea- to their mobile banking app. .consumer mobility, view the sures. In the next two years, Nearly one-third expressed full Bank of America Trends 60 percent of consumers say comfortwith retina scans (32 in Consumer Mobility Report they would be comfortable percent) andvoice recognition at www.newsroom.banko- with a fingerprint scan/swipe (33 percent), .I .............