Fraternal Order of Eagles
Big Walnut F.O.E. #3261
1623 Brice Road
Reynoldsburg, Ohio 43068
(614) 861-9073
Click Here to print a full-color version of the January 2019 Calendar.
Click Here to print a full-color version of the December 2018 Calendar.

Calendar

NOTE: Have information for this web site or event to add to the calendar? Send all info to Trustee Steve Anderson at: SteveAnderson@foe3261.com

Check back here for updates to the calendar throughout the month.
Boy Scout Troop #279
Boy Scout Troop #279 meets at the Big Walnut F.O.E. each week. We are proud to help our local scout troop with a place to meet!

  • Troop Meetings every Monday night 7-8:30 pm
  • Crew Meetings 1st & 3rd Sunday of each month 7-8 pm

Click Here to print the Committee Meetings Schedule
Click Here to print the Patrol Leaders Council (PLC) Meetings Schedule
Click Here to print the Camp Out Schedule

College without debt: It's possible

Today, the average cost for one year of college ranges from $22,000 at an in-state university to $47,000 at a private college. If youÕre taking out student loans to pay for it, you could be at least $90,000 in debt by graduation day.

You won't be alone, either: Total student debt in America is approaching $1.4 trillion.

If you really want to go to college, and stay out of debt, it is possible and, yes, it is difficult.

The biggest costs of university are tuition and room-and-board. The average tuition for an in-state student going to a state university is about $10,000. It costs a similar amount in most locales to live in a dormitory with food provided.

A student who can stay at home while in college automatically chops $10,000 to $15,000 off the college budget.

That leaves tuition. With a $10 an hour job, a student makes about $20,000 a year, enough to pay for tuition on a thrifty budget if he lives at home. Where you work can make a difference. Wal-Mart, Lowes, Home Depot, Starbucks, UPS, FedEx, Best Buy and McDonald's are among the dozens of companies that offer a college benefit package.

Scholarships can help offset costs of books and fees, each of which tally up to more than $1,000 per year.

Also, work-study programs can offset costs of housing and tuition. You can get information on those programs from the college financial aid office.
10 Things that should be thrown away now

Some things are wasteful to keep. They waste space and your energy. Here are 10:
  1. Old medications. A year after the expiration date, just pitch it.
  2. Scratched non-stick cookware. You hate it anyway. No one else wants it.
  3. Old sneakers. When they get old, they break down. No one else can use them.
  4. Old plastic containers. Discolored. No lids. You hate them. Pitch them.
  5. Liquor. It's junk after it has been opened and sitting in your cabinet for a year.
  6. Old cosmetics. Not even you use that broken up stuff. Pitch it.
  7. Creams and lotions. If they are more than a year old, they are trash.
  8. Old cleaning tools. When the tool looks worse than the thing it is supposed to clean, get rid of it.
  9. Random socks. If you want to, then do a massive sock match. But otherwise, in the trash.
  10. Paperbacks. This can be hard for book lovers, but remember even the library throws away books. Old, dusty paperbacks do little besides take up space. Recycle them if you want. Or try to give them away. But get rid of them.
Click Here to print a copy of this puzzle!
Use your checking account wisely? Your credit score could now go up

This year, people who wisely manage their checking accounts could see an increase in their credit scores.

The new UltraFICO credit score will let some consumers offer their banking activity as proof that they are credit worthy.

A credit score has never been based on income. A person who makes $20,000 per year -- and pays loans faithfully -- could have a higher credit score than a person making $200,000, who doesn't pay loans on time. The credit score tries to predict if a person will pay back a loan and pay it back on time.

Some people, especially younger people, may not have much of a history of loan payments. Those people pay for things mainly in cash, and through their checking accounts and debit cards, which aren't counted toward a credit score. If they do apply for a loan, their lack of credit history could put them in the subprime category, scores below 670. They might be denied credit.

With the UltraFICO scoring system, a lender can offer to recalculate a consumer's score based on banking activity. People who have had a checking account for some time, maintain a balance of about $400, and don't overdraw are likely to see their score rise, possibly high enough to get a loan and therefore build credit history.

One caution: those who do overdraw their accounts could see their scores go down in an UltraFICO calculation.

Since the subprime mortgage crisis, banks have been focused on only the most creditworthy borrowers. In 2018, a record 58.2 percent of U.S. consumers held a score between 700 and 850, the FICO maximum. These high-score consumers aren't taking out as many loans these days and lenders have been eager to find responsible borrowers.

Fair Isaac Corporation, the creator of the widely used FICO score, estimates 7 million people with thin credit histories could benefit from an UltraFICO recalculation. Another 26 million people could see an increase, and 4 million could see their score increase 20 points.