Connect with us

News

Crafts, Books, History, Science and More!

Published

on

Adult Virtual Events

Information and Registration: Reference Department at 203-262-0626 ext. 130

All programs require registration unless otherwise noted. The majority of programs are sponsored by the Friends of the Southbury Public Library. Library programs are not funded by the town fiscal budget. Until further notice, all programs will be virtual. For all adult programs requiring registration, registrants will receive an email with the Zoom links the morning of the program.

Lincoln’s Inaugural Address
Tuesday, April 6, 1-2:30pm, Online, Registration Required

This year marks the 100th anniversary of the inauguration of Abraham Lincoln. Join us to learn more about the speech of Abraham Lincoln. The year 1861 was a tumultuous year for the United States, and President Lincoln’s Inaugural Address discussed many of the complex issues of the time. Register here.

Pollinators in My Backyard
Tuesday, April 13, 1-2:30pm, Online, Registration Required

Victor DeMasi, lepidopterist, will take you on a sunny day walk through his pollinator meadow in Redding, Connecticut. Along the way, we will view some of the rare and common species he has seen there in 40 years of stewardship. Register here.

The 19th Amendment: A Tale of Suffrage, Sacrifice, and Success
Tuesday, April 20, 1-2:30pm, Online, Registration Required

Join us for this lively and engaging presentation commemorating the 100th anniversary of the ratification of the 19th Amendment. Learn more about the 19th Amendment to the US Constitution, a 72-year struggle for women to obtain the legal right to vote in all states without restrictions. Register here.

Debt Management and Credit Repair
Tuesday, April 27, 1-2:30pm, Online, Registration Required

Are you concerned about your credit? Do you need help managing your budget? Are you telling yourself, “I’ll worry about the bills later.” If the answer to any of these questions is “yes” then it’s time to reassess your financial health. If you are facing debt, it doesn’t have to go from bad to worse. CT Department of Banking Outreach Coordinator Kathleen Titsworth will discuss ways to manage your debt and repair your credit the right way and avoid common mistakes. Register here.

 Virtual Adult Book Clubs

Mystery Book Club
Monday, April 12, 3-4pm, Online, Registration Required

This month we’ll be discussing Devil in a Blue Dress by Walter Mosley. There will be copies available in hard copy at the circulation desk. Register here.

Nonfiction Book Club
Wednesday, April 14, 10-11am, Online, Registration Required

This month we’ll be discussing So You Want to Talk About Race by Ijeoma Oluo. There will be copies available in hard copy at the circulation desk. Register here.

Tuesday Fiction Book Club
Tuesday, April 27, 3-4pm, Online, Registration Required

This month we’ll be discussing White Horses by Alice Hoffman. There will be copies available in hard copy at the circulation desk. Digital ebooks and audiobooks are available through Hoopla. Register here.


Children and Teen Virtual Events

Information and Registration: Children/Teen Department at 203-262-0626 ext. 3

See below for information about our upcoming Children’s and Teen Programming! All of our Children’s and Teen Programs are sponsored by the Friends of the Southbury Public Library. Library programs are not funded by the town fiscal budget. Until further notice, all programs will be virtual. For all programs requiring registration, registrants will receive an email reminder with the Zoom links approximately 24 hours before the start of the program.

Children’s Storytimes:

Drop-In Storytime (All Ages)
Monday, April 5, 12, 19, & 26, 10:30am, Online, No Registration Required

Join us every Monday morning on the Youth Services Southbury Library Facebook Page. This storytime will be live at 10:30am and viewable after, with no Facebook account required to watch. Our Friend Miss Ann is back to share stories, songs, and a simple craft all themed around a different fun topic each week. Craft supplies can be picked up in the library after storytime and are available while supplies last (they go quickly!). Find more on our website here.

Storytime with Katie (All Ages)
Wednesday, April 7, 14, 21, & 28, 10:30am, Online, No Registration Required

Join us online on the Youth Services Southbury Library Facebook Page (live at 10:30am and viewable after, no Facebook account required to watch) for a special virtual storytime and craft. Miss Katie will share stories, rhymes, and songs geared towards toddlers and older. Crafts can be picked up in the library after storytime and are available while supplies last (they go quickly!). Find more on our website here.

Special Events for Children: 

Saturday Open House Take and Make Craft
Saturday April 3, 10, 17, & 24, All Day, Upstairs, No Registration Required

Stop by the Youth Services Department every Saturday to take a home a thematic craft (while supplies last)! Due to COVID-19 this program is Take & Make only. Find out more on our website here

Our Favorite Books (Grades 2-5)
Tuesday, April 6, 13, 20, & 27, 12-12:30pm, Online, No Registration Required

Join Miss Heather on our Southbury Library Youth Services Facebook page for a read aloud of some of our favorite stories each Tuesday afternoon. Catch us live or watch it later! No Facebook account required to view. Find out more on our website here.

First Chapter Friday (Grades 1-5)
Friday, April 9, 16, 23, & 30, 4:00pm, Online, No Registration Required

Join Miss Heather on our Southbury Library Youth Services Facebook page as we explore some of our favorite chapter books each Friday afternoon (except for Friday, April 2 when the library will be closed). Catch us live or watch it later! No Facebook account required to view. Find out more on our website here

Food Explorers: Strawberry Crumb Bars (Ages 7 and Up and Their Families)
Tuesday, April 6, 5-6pm, Online, Registration Required – Space Limited

Join Miss Carla, Registered Dietitian from Food Explorers, and learn how to make Strawberry Crumb Bars! This class will be conducted using Zoom. Find out the ingredients list and register on our website here.

STEAMonday: Rain Cloud in a Jar (All Ages)
Monday, April 19, 4pm, Online, No Registration Required

Join Miss Heather for an afternoon of science fun. This month we’re exploring clouds and rain with a weather experiment – all in one jar! Tune in to our Southbury Library Youth Services Facebook page at 4:00pm to catch us live or watch later! No Facebook account required to view. Find more, including the ingredients list to follow along at home, on our website here!

Spring Bulbasaur Planting Craft (for Grades 2-5)
Thursday, April 29, 4:30pm, Online, Registration Required

Miss Katie will share gardening themed stories as we make a recycled planter and learn how to plant care for seeds. Pick up your craft packet anytime after Friday, April 23 during open library hours. Find out more or register on our website here

Special Events for Teens:

Math and Science Homework Help (Grades 6-12)
Thursday, April 1, 15, & 29, 4-5pm, Online, Registration Required

Do you have a question about your science or math homework, or do you need some help understanding a concept from one of your STEM classes? Join us Zoom for some one-on-one help! Triloshan is a senior at Pomperaug High School who has been tutoring in math and science since middle school and currently tutors at Kumon. He has experience in many AP math and science classes, and enjoys tutoring at all levels of STEM topics. Find out more or register on our website here 

Citizen Science Month: EyeWire (Grades 6-12)
Thursday, April 8, 5-6pm, Online, Registration Required – Space Limited

Citizen science is the involvement of everyday members of the public in crowdsourcing scientific research, and April is Citizen Science Month! In this program, we’ll be going over how to use EyeWire: a game that uses crowdsourcing to help map the retina in the game. By mapping neurons in EyeWire, you are helping with real neuroscience research at Princeton! Find out more or register on our website here. A computer and a device that can access Zoom are required for this program; if your computer can access Zoom, only one device is required. 

Teen DIY-to-Go: Macramé Sun Wreaths (Grades 6-12)
Starting Monday, April 12 while supplies last

Pick up complete kits to make a macramé sun wreath from the Teen Department starting Monday, April 12. This sunny craft was inspired by Shadow and Bone, a book series by Leigh Bardugo that is being adapted as a Netflix show premiering in April. This sun summoner inspired wall art can celebrate your love of the Grishaverse, or just be a celestial decoration. You can work on the kits in your own time, or you can wait and work on them together with us during our Virtual Meetup (see below for more information)! To find out more about the kits, visit our website here.

DIY Blackout Poetry on Zoom (Grades 6-12)
Wednesday, April 14, 5-6pm, Online, Registration Required – Space Limited

April is National Poetry Month. Join us virtually to create black out poetry, a fun and easy way to make poetry and art, and upcycle old book pages. With blackout poetry, you take an already existing page of text and cross out all the words you don’t want to keep in your poem. You can cross them out with straight lines, squiggles, or anything you like to create a unique mix between poetry and art. Kits with all needed supplies will be available to pick up in the library during open hours starting Monday, April 5. Find out more and register on our website here.

Food Explorers: Loaded Veggie Tot Nachos (Grades 6-12)
Monday, April 19, 5-6pm, Online, Registration Required – Space Limited

Food Explorers is back! Join Katie, Registered Dietitian from Food Explorers to make Loaded Veggie Tot Nachos! We’ll be making tater tots from scratch using your choice of either broccoli or zucchini, baking them until crispy, and loading them up with your favorite toppings. Find out the ingredients list and register on our website here.

Citizen Science Month: ZSL Instant Wild (Grades 6-12)
Thursday, April 22, 5-6pm, Online, Registration Required – Space Limited

Citizen science is the involvement of everyday members of the public in crowdsourcing scientific research, and April is Citizen Science Month! In this program we’ll be going over the Zoological Society of London’s Instant Wild. Contribute to conservation research and get a rare glimpse into some of the world’s wildest places. We’ll go over how to use Instant Wild, and identify some animals together. No prior scientific knowledge is required, but you will need a smartphone, tablet, or computer that can access Zoom. Find out more on our website here.

Virtual Craft Meetup: Macramé Sun Wreaths (Grades 6-12)
Monday, April 26, 4-5pm, Online, Registration Required

Join us on Zoom to work on your Macramé Sun Wreath together! Have some company while you work on your project and ask any questions you may have. Registrants will receive Zoom log in credentials; register on our website here.


The Friends of the Southbury Public Library

The Friends of the Southbury Public Library are sponsoring many of our fun virtual programs found on the calendar page of our website. In addition, the Friends book sale area in the lobby is still open! Stock is replenished daily. Gift-quality books, puzzles, boutique items, art history books, coffee table books, holiday books, cookbooks and audiovisual vinyl records, CDs and DVDs are available. Exact change or checks are requested as the library staff cannot make change and the Friends cannot accept credit cards for this sale. Set up with COVID shields for shopping protection. For more information how to contact the Friends of the Southbury Public Library click here


Brinker Fireplace Room Display of the Southbury Volunteer Firemen’s Association Ladies’ Auxiliary

The Ladies Auxiliary of the Southbury Volunteer Firemen’s Association is currently sponsoring an informative display about the group’s services and activities in the glass display cabinet in the Southbury Public Library’s Brinker Fireplace Room. The mission of the Ladies Auxiliary is to support the Southbury Volunteer Firemen’s Association and the community. Their display can be viewed anytime during library open hours. If interested in becoming a member, participation is open to anyone at least 18 years of age. Meetings are held at 7pm on the 2nd Thursday of each month September through June at the Center Firehouse on Main Street South. To learn more about the Auxiliary and their upcoming events, like and follow them on their Facebook page @SVFALA. For more information on becoming a member, email the membership committee at 
This email address is being protected from spambots. You need JavaScript enabled to view it.
 or call (203) 262-0615.


Gloria Cachion Art Gallery: Mike Berlinski

April 3 – May 26, 2021

Mike began drawing and painting at the age of seven. He is basically self-taught and works primarily with oil paints. Most of his paintings are painted largely outdoors, sometimes even completed on location. This type of painting is known as Plein-air or open-air. For the past twenty years that he has been a serious artist, this form of painting has become increasingly popular and practiced. Even some of his successful studio painter colleagues sometimes paint outdoors in order to more truly capture the light and colors.

Being an artist is not always an easy journey. It helps that Mike feels like a maverick, an explorer of the unknown and of what is possible both as expressions of what he sees and feels and the continuing unfolding of his abilities. He wishes he could say being born with talent makes for an easy life. He used to think that when he was younger. Then he committed himself to the work, finding out along the way that it is a tremendous amount of hard work and at times personal sacrifice. He goes on to say that it’s okay though, because while it can be frustrating, many more times it’s downright joyful!

Mike enjoys being an artist. He is grateful for all the nice thoughts, appreciation and interest in his work. So, he’ll continue to develop and improve on his journey, happy for the opportunity to create and for the people in his life. Ultimately his goal is to share what he perceives as the incredible beauty of the natural world and hopefully some of the feelings of joy as well!

Mike has exhibited widely and in different venues throughout the state, including libraries, art galleries, and art associations. He has given art demonstrations and taught oil painting classes. He is currently accepting commissions as well.

The exhibit will be open during regular library hours April 3 through May 26, 2021. Please visit our website to learn more.


 

Source link

Continue Reading

News

Are Sallie Mae Student Loans Federal or Private?

Published

on

When you hear the name Sallie Mae, you probably think of student loans. There’s a good reason for that; Sallie Mae has a long history, during which time it has provided both federal and private student loans.

However, as of 2014, all of Sallie Mae’s student loans are private, and its federal loans have been sold to another servicer. Here’s what to know if you have a Sallie Mae loan or are considering taking one out.

What is Sallie Mae?

Sallie Mae is a company that currently offers private student loans. But it has taken a few forms over the years.

In 1972, Congress first created the Student Loan Marketing Association (SLMA) as a private, for-profit corporation. Congress gave SLMA, commonly called “Sallie Mae,” the status of a government-sponsored enterprise (GSE) to support the company in its mission to provide stability and liquidity to the student loan market as a warehouse for student loans.

However, in 2004, the structure and purpose of the company began to change. SLMA dissolved in late December of that year, and the SLM Corporation, or “Sallie Mae,” was formed in its place as a fully private-sector company without GSE status.

In 2014, the company underwent another big adjustment when Sallie Mae split to form Navient and Sallie Mae. Navient is a federal student loan servicer that manages existing student loan accounts. Meanwhile, Sallie Mae continues to offer private student loans and other financial products to consumers. If you took out a student loan with Sallie Mae prior to 2014, there’s a chance that it was a federal student loan under the now-defunct Federal Family Education Loan Program (FFELP).

At present, Sallie Mae owns 1.4 percent of student loans in the United States. In addition to private student loans, the bank also offers credit cards, personal loans and savings accounts to its customers, many of whom are college students.

What is the difference between private and federal student loans?

When you’re seeking financing to pay for college, you’ll have a big choice to make: federal versus private student loans. Both types of loans offer some benefits and drawbacks.

Federal student loans are educational loans that come from the U.S. government. Under the William D. Ford Federal Direct Loan Program, there are four types of federal student loans available to qualified borrowers.

With federal student loans, you typically do not need a co-signer or even a credit check. The loans also come with numerous benefits, such as the ability to adjust your repayment plan based on your income. You may also be able to pause payments with a forbearance or deferment and perhaps even qualify for some level of student loan forgiveness.

On the negative side, most federal student loans feature borrowing limits, so you might need to find supplemental funding or scholarships if your educational costs exceed federal loan maximums.

Private student loans are educational loans you can access from private lenders, such as banks, credit unions and online lenders. On the plus side, private student loans often feature higher loan amounts than you can access through federal funding. And if you or your co-signer has excellent credit, you may be able to secure a competitive interest rate as well.

As for drawbacks, private student loans don’t offer the valuable benefits that federal student borrowers can enjoy. You may also face higher interest rates or have a harder time qualifying for financing if you have bad credit.

Are Sallie Mae loans better than federal student loans?

In general, federal loans are the best first choice for student borrowers. Federal student loans offer numerous benefits that private loans do not. You’ll generally want to complete the Free Application for Federal Student Aid (FAFSA) and review federal funding options before applying for any type of private student loan — Sallie Mae loans included.

However, private student loans, like those offered by Sallie Mae, do have their place. In some cases, federal student aid, grants, scholarships, work-study programs and savings might not be enough to cover educational expenses. In these situations, private student loans may provide you with another way to pay for college.

If you do need to take out private student loans, Sallie Mae is a lender worth considering. It offers loans for a variety of needs, including undergrad, MBA school, medical school, dental school and law school. Its loans also feature 100 percent coverage, so you can find funding for all of your certified school expenses.

With that said, it’s always best to compare a few lenders before committing. All lenders evaluate income and credit score differently, so it’s possible that another lender could give you lower interest rates or more favorable terms.

The bottom line

Sallie Mae may be a good choice if you’re in the market for private student loans and other financial products. Just be sure to do your research upfront, as you should before you take out any form of financing. Comparing multiple offers always gives you the best chance of saving money.

Learn more:

Source link

Continue Reading

News

Tips to do some fall cleaning on your finances

Published

on

Wealth manager, Harry Abrahamsen, has five simple ways to stay on top of the big financial picture.

PORTLAND, Maine — Keeping track of our financial stability is something we can all do, whether we have IRAs or 401ks or just a checking account. Harry J. Abrahamsen is the Founder of Abrahamsen Financial Group. He works with clients to create and grow their own wealth. Abrahamsen shares five financial tips, starting with knowing what you have. 

1. Analyze Your Finances Quarterly or Biannually

You want to make sure that your long-term strategy is congruent with your short-term strategy. If the short-term is not working out, you may need to adjust what you are doing to make sure your outcome produces the desired results you are looking to accomplish. It is just like setting sail on a voyage across the Atlantic Ocean. You know where you want to go and plot your course, but there are many factors that need to be considered to actually get you across and across safely. Your finances behave the exact same way. Check your current situation and make sure you are taking into consideration all of the various wealth-eroding factors that can take you completely off course.

With interest rates very low, now might be a good time to consider refinancing student loans or mortgages, or consolidating credit card debt. However, do so only if you need to or if you can create a positive cash flow. To ensure that you are saving the most by doing so, you must look at current payments, excluding taxes and insurance costs. This way you can do an apples-to-apples comparison.

The most important things to look for when reviewing your credit report is accuracy. Make sure the reporting agencies are reporting things actuary. If it doesn’t appear to be reporting correct and accurate information, you should consult with a reputable credit repair company to help you fix the incorrect information.

4. Savings and Retirement Accounts

The most important thing to consider when reviewing your savings and retirement accounts is to make sure the strategies match your short-term and long-term investment objectives. All too often people end up making decisions one at a time, at different times in their lives, with different people, under different circumstances. Having a sound strategy in place will allow you to view your finances with a macro-economic lens vs a micro-economic view. Stay the course and adjust accordingly from a risk and tax standpoint.

RELATED: Financial lessons learned through the pandemic

A great tip for lowering utility bills or car insurance premiums: Simply ask! There may be things you are not aware of that could save you hundreds of dollars every month. You just need to call all of the companies that you do business with to find out about cost-cutting strategies. 

RELATED: Overcome your fear of finances

To learn more about Abrahamsen Financial, click here

Source link

Continue Reading

News

How to Get a Loan Even with Bad Credit

Published

on

Sana pwedeng mabura ang bad credit history as quickly and easily as paying off your utility bills, ‘no? Unfortunately, it takes time. And bago mo pa maayos ang bad credit mo, more often than not, kailangan mo na namang mag-avail ng panibagong loan. 

Good thing you can still get a loan even with bad credit, kahit na medyo limited ang options. How do you get a loan if you have bad credit? Alamin sa short guide na ito. 

For more finance tips, visit Moneymax.

 

 

Source link

Continue Reading

Trending