January: • Martin Luther King Jr. Day January20th AllJSCFCUBranchesClosed

February: • Valentine's Day February14th

• Presidents Day February17th AllJSCFCUBranchesClosed

Visit www.jscfcu.org for details

lAUNCHING YOUR F INANCIAL FUTURE

January/February 2o14

Haveyouearnedmoneyorreceiveditasagift?Whatdoyoudowithit?Runrightoutandspendit?Youhavelotsofchoices.Youcan:

•Spendallofit•Saveallofit•Savesomeofitandspendtherest.

Butyoucandoevenmorewithyourmoney.AnyonecanSPENDmoney.That’seasy.Butthenyoudon’treallyhaveanymoneyinyourbankwhenyouneedit.

The idea is not to SPENDmoney but to be moneysmartandlearnhowtoHANDLEIT.Here’showsmartpeopleusethemoneytheyhave.

Little things. Wanttobuyasnackatschool?Wanttorentavideogame?Gotothemovies?Ifyouhaveenoughmoney savedup, youcan. In fact, themoreyousave,themoreyoucando.

Bigger items.Doyoudreamofgettinganewbikeoranew, fungame?Thenyou’ll needevenmoretime

tosavebecausetheseitemscostmoremoney.Keepsaving!Evensmallamountsaddup.Howabout

presents for others? You need to save forbirthdayandholidaygifts,too.

Giving. Do you feel that helping othersis important?Then,savesomemoney forgiving, too. You can help those who run

animal shelters,protect forests,or lookfor medical cures. Your money can help

payforthiswork.Ormaybeyouwanttogivemoneytohelppeoplewhoneedmoney.

Emergencies. Youforgetyourjacketatsoccerpractice, and someone steals it. Or youforgettolockupyourbike,anditdisappears.If you have a history of being careless, yourparentswillexpectyoutohelppurchasethenewcoatorbike.Ifyoudon’thavesomemoneysetasideforsuchemergencies,youhaveaproblem.

Courtesy: The Mint www.themint.org

HOw to Use Your SAvings

Presidents DAyPresidents Day is coming up on February17th, here are some interesting fact youmaynotknow:

• Presidents Day is celebrated on thethird Monday of February. According to History.com, when the holiday was firstimplemented in the 1800s, it was named"Washington'sBirthday"andwascelebratedon February 22nd to commemorate firstPresidentGeorgeWashington'sbirthdate.

• According to the National Archives,CongressdeclaredWashington'sBirthdayafederalholidayin1879,makinghimthefirstAmericancitizentohavesuchaholiday.

• In 1968, Congress passed the UniformMondayHolidayBill,whichmovedanumberof federalholidays toMondays -- including

Washington'sBirthday--sonowtheholidayisnevercelebratedonhisactualbirthday.

• Every year since 1896, the Senatehas observed Washington's Birthday byselecting one of its members to read hisFarewellAddress.Partiesarealternatedforthe delivery of the 7,641-word statement,whichtakesnearly45minutes.

• Alexandria, Virginia, is the home of TheLargest Parade Celebrating Washington'sBirthday in theUSA. Since 1923, the townhas hosted an annual George WashingtonBirthdayParadethatfeaturesbands,floats,wagons,horsesandhistoricreenactments.

Courtesy: Victoria Leigh Miller

1330 Gemini Houston, TX 77058

PRESORTSTDUSPOSTAGE

P A I DWEBSTER,TX

PERMITNO.184

WHAT YOU NEED:

•6flourtortillas

• Canolaorvegetableoilforbaking

• Confectioners'sugar

• Edibleglitter(optional)

WHAT YOU NEED:

•Bakedcupcake•AlmondJoy®candy•Whitefrosting•Whitejellybeans•Blackdecorators'gel•Watermelonslicecandy•BrownM&M's®Minis•Chocolatecookie

1 Heattheovento400degrees.Warmthetortillas(about15seconds)inthemicrowave.

2 Individuallyfoldthetortillasinhalfonceandtheninhalfagain,sothatyouendupwithashapethatresemblesawedgeofpie(itwillbethick).Usingcleanscissors,cuttriangles,circles,orsquaresoutoftheedges,asifyouweremakingpapersnowflakes.Unfoldthetortillas.

3 Lightlybrushthetopsofthesnowflakeswithcanolaorvegetableoilandplacethemonacookiesheetslightlyapart.

4 Bakethemuntillightlybrownedandcrisp(about4minutes).Siftconfectioners'sugaronthesnowflakeswhilewarm.Foranextrasparkleeffect,youcansprinkleonabitofedibleglitter.Makes6

Sweet Tortilla Snowflakes

Courtesy: www.spoonful.com

Groundhog Day CupcakeOnFebruary2nd,acertaingroundhoginPennsylvaniawillemergefromhiswinterburrow.Legendsaysanearlyspringisonitswayifhedoesn'tseehisshadow,butit'ssixmoreweeksofwinterifhedoes.WhateverPunxsutawneyPhilpredicts,youwillsurelyenjoythistastyGroundhogCupcake.

1 RemoveapieceofcakethewidthofanAlmondJoy®candyfromthecenterofabakedcupcake.Setthecandyuprightinthehole,thenspreadalayerofwhitefrostingonthecupcake.

2 Forthegroundhog'seyes,trimtheendsfromawhitejellybean,sticktheminplacewithfrosting,thendotthemwithblackdecorators'gel.Addatinytrianglecutfromawatermelonslicecandyforanose,brownM&M's®Minisforearsandcheeks,andatinyrectangularpieceofwhitejellybeanforteeth.Sprinklechocolatecookiecrumbsaroundthepartiallyemergedgroundhog,andhe'sreadytogreethisfans.

Courtesy of FamilyFun Magazine