October 1, 2025 • 29 mins
Everyday life comes with decisions big and small—and sometimes the smallest steps can have the biggest impact. This week on "Kentucky Focus", Scott Fitzgerald explores ways to clear the clutter, ease your worries, and take control of what matters most. From planning ahead to protecting what’s important, you’ll hear fresh ideas and simple strategies to make life run a little smoother. The takeaways will stick with you—and the next best move might be just one listen away.
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Episode Transcript
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Speaker 1 (00:00):
And welcome to Kentucky Focus. So I'm Scott Fitzgerald. This
week we're diving into practical tips and strategies that could
make a real difference in your life, whether it's planning
for the future, staying ahead of challenges, or just making
everyday things seem a little bit easier. Stick around. We've
got some insights, advice and ideas you don't want to miss.
I'm Scott Fitzgerald and this is Kentucky Focus.
Speaker 2 (00:22):
Welcome to Kentucky Focus on the Kentucky News Network, the
show that looks at issues affecting the Commonwealth and its citizens.
We cover state politics and history, human interest stories, sports,
and even entertainment. It's Kentucky Focus on kNN.
Speaker 3 (00:40):
The best words to hear at the TSA security checkpoint,
You're here to go.
Speaker 1 (00:44):
All it takes is a little preparation.
Speaker 3 (00:46):
Get to the airport early, bring a carry on bag
that fits in the overhead, and have an acceptable ID.
Not all state issued IDs will cut it. Check out
TSA dot CoV slash ID and see which TSA acceptable
IDs make the grave like a or passport.
Speaker 1 (01:01):
Before you jet. Do a little prep and you're good
to go.
Speaker 4 (01:05):
Check out TSA dot gov, slash id or the MYTSA app.
Speaker 5 (01:08):
I need to file my tax return right the first time.
Speaker 3 (01:11):
How can I be sure to do that?
Speaker 6 (01:13):
Doing your taxes yourself. Using e file is the best
way to file an accurate tax return. Mistakes can delay
your refund, so spend an extra few minutes making sure
you can file an accurate return first time around. Avoid
common errors by spelling all names correctly and using correct
SoC security numbers. Double check your bank account numbers for
direct deposit and double check your math too. Oh yeah,
(01:34):
don't forget to sign and date your return.
Speaker 1 (01:36):
Pass it today.
Speaker 7 (01:38):
My bank made a big mistake, but I forgave them.
My server spilled water on me, but I forgave him.
My toddler drew lipstick on the wall. Was I ever mat?
It got me thinking I can forgive my bank and
my server, but I'm upset my own kid. I mean,
what's most important here? So tonight the two of us
(01:58):
are doing lipstick car art on paper. Forgiveness is in
your pass from pass it on dot com.
Speaker 1 (02:08):
Welcome back to Kentucky Focus. I'm Scott Fitzgerald. Well went
back to school season in full swing. Many families are
thinking about how they'll pay for all future education costs.
A new study from Edward Jones and Morning consult shows
only two in five Americans field they're saving enough to
meet their educational goals. And it turns out more than
half of Americans aren't familiar with four or excuse me
(02:29):
with five twenty nine education savings plans. Those, of course,
tools designed to help families safer everything from K twelve
tuition to registered apprenticeships. Joining us to break down the
findings and sure practical tips is Julia Bartok. She's a
financial advisor with Edward Jones and Julia, thanks so much
for joining us.
Speaker 8 (02:47):
Thank you for having me. It's great to be here.
Speaker 1 (02:49):
All right, Well, let's jump into it, Julia. This study
shows that most Americans feel like they're not saving enough
for education. How are people generally feeling when it comes
to their education savings?
Speaker 8 (02:59):
You know what, I talk with families. One of the
most common concerns education, whether it's saving for college, private school,
or even advanced training later on. And the truth is
many people don't feel confident in this area. So our survey,
like you mentioned, found that only about thirty eight percent
feel they're saving enough to reach their education goals, and
(03:22):
it makes sense. Most households are balancing competing priorities. You've
got groceries, childcare, retirement planning, maybe trying to buy a home,
and on top of that, you're expected to fund education.
It can feel overwhelming.
Speaker 9 (03:36):
Here's the key.
Speaker 8 (03:37):
It's never too early and it's never too late. Every
contribution matter is whether you can set aside a large
amount or even just something small. Even modest, consistent contributions
can grow significantly over time.
Speaker 1 (03:51):
Julia Bartak joining us. She's a financial advisor with Edward
Jones and this is so on point. Julie is as
a dad who's got a junior in college now, I
wish I would have known back then. I know what
I know now and this is timely for sure. And Julia,
for families who want to get the most out of
their flexible saving tools like five twenty nine plans, what
(04:11):
should they know?
Speaker 8 (04:12):
Start by thinking about your education goals. Do you want
to cover tuition only? Tuition plus housing and books? Are
you saving for one child or multiple children? Once you
know your goal, it's easier to match the right tools
to it. And that's really where a financial advisor comes in.
We're going to sit down with you, really understand your
unique goals, objectives and put a plan together that matches
(04:35):
your specific needs. And five to nine plans are one
of the most powerful flexible tools out there. So, like
you mentioned earlier, it's really designed for education. The money
you put in it grows tax free, and then when
it's used for qualified education expenses things like tuition, books
or housing, you don't pay taxes when you withdraw it,
(04:56):
and that's a huge advantage.
Speaker 1 (04:59):
Absolutely. Julie A. Bartalk joining us now. She has a
financial advisor with Edward Jones, and we're talking about, of
course saving for education. Now that everybody's back into school,
and suddenly those first bills start wrolling in. You're like,
how am I going to afford this? So Julia, let
me ask you what happens if a family has been
saving for college, but then their child decides to go
different paths, say vocational training or an apprenticeship.
Speaker 8 (05:20):
That's something I hear a lot. What if I save
all this money in my child doesn't use it. The
good news is five twenty nine s are flexible, and
a lot of families don't realize just how broad the
list of qualified expenses is. In general, it's not just
college tuition anymore. Five twenty nine months can be used
for K through twelve tuition, apprenticeship programs, and now even
(05:41):
paying down student loans. And if one child decides not
to pursue college, you can actually transfer the account to
another child or even a future grandchild. So if your
child earns a scholarship, you can withdraw that equivalent amount
out without the usual penalty, and with new rules, unused
funds can even be rolled into a roth IRA for
(06:04):
the beneficiary, of course, subject to certain criteria. But bottom
line is, it's not a locked in situation. You're not
gonna just lose the money. If life takes a different path,
you still have options to keep those funds working for
your family's benefit.
Speaker 10 (06:17):
Again.
Speaker 1 (06:18):
Julia Bartok joining us now she is a financial advisor
with Edward Jones. As we're talking about how to fund
your child's education, now, maybe your child is already into
college or they're getting ready to go to college. And
as I mentioned earlier, as the father of a son
who's now a junior, I wish I would have known
a lot of what I know now back then, because,
believe me, it would have been worth it, especially to
(06:38):
my pocketbook, Julia, you mentioned briefly there. If families do
have more than one child, it can be rolled over.
What advice do you have for parents that could be
planning for multiple kids' education expenses, especially those with larger families.
Speaker 8 (06:49):
Families will often ask me, do I need a separate
five twenty nine for each child? And the answer really
is it depends. Some parents like the simplicity of one
account per child. It helps them trap contributions and know
exactly what's been set aside. In fact, our research found
forty two percent of families with multiple kids do exactly that,
(07:10):
and then others about a third said that they prefer
to keep one large account and simply change the beneficiary
as needed, which also is an option built into five
twenty nine plans, so that can give you the flexibility.
Let's say one child's path is more expensive than another.
There's no single right answer. It really comes down to
what's your strategy and comfort level, And the important thing
(07:32):
is you've got to revisit your plan regularly. Education cost
change and family circumstances change, and you need a strategy
and a plan that can adapt right alongside you.
Speaker 1 (07:44):
Julia Bartek is joining us. She's with Edward Jones. Were
have a fascinating conversation on funding your child's education. Maybe
your child is getting ready to go to college, when
if you have a child that's already in college, and
you have some questions you want answered, and again Julia
is here to help us answer those. Just a couple
more questions for you, Julia, you mentioned you know off
the bat, I was going to ask you, what are
(08:04):
some of the common mistakes families make when saving for
education that could possibly be avoided?
Speaker 8 (08:09):
What's it in general just not having a plan and
maybe feeling overwhelmed like you're never going to be able
to hit any of your goals, because truly having a
plan in place, starting early, and knowing that even a
little bit can really make a huge difference for savings.
Speaker 1 (08:31):
And then last question for you, Julia, how much should
families And this may be a hard question to answer,
maybe too wide of a net, but how much should
families realistically aim to save each year to feel confident
about their future education costs?
Speaker 8 (08:43):
It really comes down to what your specific goals are,
because if you want to just cover tuition only or
tuition plus housing and books, and this is really where
a financial advisor is going to come into play to
help you with thinking through how much do you want
to cover? Do you want to cover all of it,
some of it, none of it, But then also do
(09:04):
you want to do in state or out of state?
We have the tools here to help you plan exactly
with what your goal is right right.
Speaker 1 (09:13):
Everybody's different to kind of like fingerprints, that's for sure.
Julia Bartech She is a financial advisor with Edward Jones. Julia,
where can folks go if they want to know more
about planning for education and using their five twenty nine effectively?
Speaker 8 (09:25):
Easiest place to start is Edward Jones dot com slash
Education Savings. There you can read about five twenty nine
plans and other strategies, and we also have some research
on how families are just saving in general today. And
we also have some free modules through our financial Fitness program.
So these are going to be short, accessible lessons that
(09:45):
can help your kids, teens, and even just adults build
financial knowledge and it's a great way to make sure
the whole family is financial confidence. And then of course
talking with a financial advisor can really help. Everyone's situation
is different, but having someone walk you through the options
ensures you're making the best decisions for your goals.
Speaker 1 (10:06):
Well, Julia, it's clear from talking with you that being
informed in starting early can make a big difference when
it comes to baying for that college education. Julia Bartech
with Edward Jones. Julia, thank you so much. We appreciate
having you with us.
Speaker 8 (10:19):
Yeah, thanks for having me. It's been great.
Speaker 1 (10:21):
Thank you again to Julia Bartech from Edward Jones for
breaking down how families can get their education savings on
track and make the most of tools like five twenty
nine plans. For more tips and resources, you can visit
Edward Jones dot com Education Savings Again Edward Jones dot
com Education Savings. Up next, we're talking about practical steps
you can take to get organized, protect your important information,
(10:44):
and make technology work for you. We'll hear from someone
that can give us some tips that any one of
us can put into action, no matter how you feel
about digital tools. I'm Scott Fitzgerald and this is Kentucky Focus.
Speaker 11 (10:58):
When I first had Jordan, i'd get all the time
about how happy I must be. I remember thinking there
must be something wrong with me because I don't feel
all this joy and supposed to be feeling. That's when
I made the call. My doctor told me I have
postpartum depression and treatment is available. These days, things are
feeling right, even if they don't always go that way.
(11:18):
Mental health care works when you make the call.
Speaker 1 (11:21):
See what it can do for you at mentalhealthcare Works
dot org.
Speaker 12 (11:24):
A message from the American Psychiatric Association Foundation.
Speaker 5 (11:28):
Childhood should be the happiest time of life, but for
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changing surgeries, surgeries that turn despair into hope. These once
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(12:10):
one child at a time. Volunteers from your community and
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changing healing and hope to the forgotten poor. To learn
how you too can help change the world, one child
at a time, go to mercyships dot org.
Speaker 13 (12:27):
Today tech Trends, Alexa Plus is the latest version of
Amazon's popular voice assistant, and now the company is out
with some new hardware to go along with that.
Speaker 12 (12:37):
Software for new EGO devices, to echo speakers, to echo
displays or Echo shows.
Speaker 13 (12:41):
And Gadget's Charlyn Lowe says the new echos all come
with updated processors to handle the energy hungry AI in
Alexa Plus.
Speaker 12 (12:50):
Basically, they've got new computing components and chips inside that
will help them process these AI or GeneID tasks a
bit faster. The results should be that they're a bit
more responsive.
Speaker 13 (13:00):
There's also a new version of the Echo Studio, which
is designed for high end audio.
Speaker 12 (13:05):
The premium smart speaker made by a mainstream company that
Amazon or Google is not a brand new concept, it's
just one that struggled to really take off in the past.
Speaker 13 (13:14):
Amazon also announced some new features like Alexa Home Theater.
Speaker 12 (13:18):
When you've got multiple Echo devices together and compare them
up and provide a sort of surround sound experience.
Speaker 13 (13:23):
With tech Trends, I'm Mike Debaski.
Speaker 14 (13:25):
Snakes, zombies, public speaking, the list of fears is endless,
but the real danger is in your hand when you're
behind the wheel. Distracted driving is what's really scary and
even deadly. Ice forward, don't drive distracted. Brought to you
by NITZA and the ad Council.
Speaker 1 (13:41):
Welcome back to Kentucky Focus. I'm Scott Fitzgerald. Well, today
we're talking about a topic that affects everyone. How do
you keep your digital life organized and secure? Technology can
make daily life easier, but from many older adults, managing
important documents and protecting against rock can be a real challenge.
Joining us to share practical tips is Tom Camber, Executive
director of Older Adults Technology Services or Oh It's from AARP.
(14:06):
Tom is leading a new five day challenge to help
older Americans get their digital house in order. Welcome Tom,
Thanks for joining us.
Speaker 15 (14:14):
Thanks for having me.
Speaker 1 (14:15):
Tom. Your recent survey shows that many adults over fifty
haven't digitized they're important documents. Why do you think this.
Speaker 15 (14:21):
Is, well, we asked them why it was. In fact,
we were a little shocked that so many people haven't
digitized any documents. It's actually two thirds, which is the
majority and the reason they cited was either they didn't
know how to do it, or didn't have the skills,
or they just hadn't had a chance to get around
to it. They've been putting it off.
Speaker 1 (14:37):
And Tom Camber joining US executive director of Older Adults
Technology Services or Oh, it's just coming to his courtesy
of AARP, and we're talking about digitizing your important documents. Tom,
what exactly do you mean when you speak of digital
house cleaning.
Speaker 15 (14:50):
Well, you know, digital house cleaning refers to this task
of just kind of getting at all of those things
that people typically put off or don't pay attention to
that when you leave them, you know, for too long,
they can really become a crisis. So, for one example
is passwords. You know, we often have passwords we set
years ago. We can't remember what they are, or they're
not very good for strong passwords, or we've shared them
(15:12):
in too many different places, and so we put ourselves
at risk. And every once in a while we have
to go in and update the passwords and even use
more modern tools like password managers that allow us to
have one really strong password that then protects our passwords
in various different places. So digital house cleaning is the
task of taking a little bit of time every year
to focus on things like passwords, or like documents, storage
(15:35):
or app permissions and really zero in on that stuff
and just clean it up so that it doesn't become
a problem.
Speaker 1 (15:40):
Yeah, and you generally feel a lot better after it's done,
that's for sure.
Speaker 15 (15:43):
Oh yeah, you really do.
Speaker 1 (15:45):
No, I know, I do, And I'm not even up
there yet yet, but I'm getting close. Tom. For someone
just getting started, who's listening now, what are the first
steps they should take to organize their digital record safely?
Speaker 15 (15:57):
We found that, you know, what really helps us for
people to get stuff in a format that works for them,
that's that kind of has a minimum of fuss. And
so we actually set up a special web page. It's
called senior planet dot org slash Digital house Cleaning, and
if they go to senior planet dot org slash Digital
house Cleaning, we have organized a five day digital house
cleaning challenge. Day one is app permissions, Day two is passwords,
(16:22):
Day three is social media, four is digital documents, and
the last day is on digital vaults. And each day
is organized with some educational information. There's a hotline that
you can call for help. There's a checklist to show
that you're going through it and getting it all done,
and it's just cheerful and friendly, and it organizes it
in a site that people can get and even best
(16:43):
of all, for me, it's all free. Nobody's getting charged
for any of this.
Speaker 1 (16:46):
Tom Camber is with us. He's the executive director of
Older Adults Technology Services or ODES. He comes to his
courtesy of AARP and Tom, what are some common mistakes
people make when trying to store documents or manage their
digital information.
Speaker 15 (17:00):
Well, the first mistake that a lot of older people
do is is, you know, we're we didn't grow up
with technology, so we tend to be a little bit
more anxious about it, and then we don't use it.
And so you know, you've got all of these documents
lying around the house. They're you know, in folders, goshas,
where they're under your bed there, you know, in the
closet somewhere, and one you can't find them half the
time too. They could be stolen, or if there happens
(17:21):
to be a fire or a flood, you could lose
access to all of that information. So one of the
things is to use technology for the purposes that it's
great at which is often about you know, making copies
of records, storing them securely, and also sharing them as
appropriate with people that you grant those permissions to.
Speaker 1 (17:39):
And Tom, what documents do you recommend folks do first?
Medical records, financial statements, or is there something else?
Speaker 15 (17:45):
I would recommend you start with something that you that
you know is important and that you also have relatively
at hand. Let's get ourselves working on something that we
can have a win with. So for some people it's
going to be some of those financial records around your
you know, your savings, your investments, things like that that
may be scattered around. For others, it may be your
health stuff because that's front and top of mind for you.
(18:05):
And if you've got a caregiver that you're working with,
storing your health information digitally and making sure that they
have access to it would be the first order business.
And then for me personally, you know, I have children
and I want to make sure that they know where,
if anything wherever to happen to me. Which items in
the house are you know, family heirlooms and what the
stories are. So I have photographs of those things and
(18:27):
we're storing those in a digital vault that people can
access that information in the event of my passing, but
it really organizes all that information for people in the family,
So it depends on your priorities.
Speaker 1 (18:37):
You know, that's great point.
Speaker 11 (18:38):
Tom.
Speaker 1 (18:38):
Again, we're spending some good quality a few minutes with
Tom Camber. He is the executive director of Older Adults
Technology Services. They go by OATS from me AARB. You
speak to something I wanted to ask you about, Tom,
and explain to the listener how digital house cleaning helps
keep your digital life organized and most importantly prevent frauder
(18:59):
identity that.
Speaker 15 (19:00):
Well, you know, the fraud or identity theft challenge for
older people is in increasing problem. And you know the
bad news is that when you turn fifty or sixty especially,
you end up with a target on your back for
all of these scammers out there that are trying to
rip you off, and you have to be a little
extra cautious to spend a little bit extra effort making
sure you're protected. And so the first order business is
your password managers. Digital house cleaning allows you to do that.
(19:23):
Every year you get at those passwords, you make sure
you've got a strong password manager, a strong password know
that you're using to protect yourself. And then secondly, we
actually have a day of sessions on the Digital House
Cleaning Challenge that focuses on app permissions, which sounds a
little bit maybe abstract, but it's not. So it's really
about looking at the apps that you have on your
(19:44):
phone and checking the settings to see how they're tracking you,
how much they're sharing your information with other third parties
or selling that information. You can turn that stuff off,
and we have a system that allows you to kind
of go at it in a reasonably organized way and
take care of those asks in just an hour or so.
So I think those would be some of the priorities.
Speaker 1 (20:03):
Tom, I'm very well spoken. You're bringing to light a
very important issue. I know is my folks begin to age.
This is very important to me as as their son,
to help them along with this final question for you, Tom,
what's one tip you think everyone should implement that's listening now?
Immediately after that you're done listening to us, Well.
Speaker 15 (20:21):
The thing to me, I mean the real tip is
to not put it off right right. I have a
I literally I said up the Digital I was Cleaning Challenge,
and I actually went into my actual closet and started
organizing my clothes as a result of this, because I
did putting that off all year. So really I would
just say get you. You know, my big tip is
pour yourself a cup of tea or a cup of
coffee or whatever it is that you relax yourself with.
Go get on the web, go to senior planet dot org,
(20:44):
slash Digital house Cleaning and just check it out. It's
fun take that first step, that's what you know. It's
always makes you feel so much better when you start
doing it. It's like any of those tasks you think
about it, you just get a little stressed, but the
minute you start doing it, it's like a weight's been
lifted off your shoulders. We've set this up with a
lot of fun materials and track you know, like a
(21:05):
checklist for you. That hotline is there to support you
when you have questions. It's just a really great thing
to get started with.
Speaker 2 (21:11):
So my real tip is.
Speaker 15 (21:12):
Just like, as soon as you're done listening to the
radio this morning, make that your next order.
Speaker 1 (21:16):
Business Tom Camber Great Few Minutes. He is the executive
director of Older Adults Technology Services are OHS. He comes
to his courtesy of ARP. Tom you've been a wealth
of knowledge, my man. I'm definitely putting you in my
role index and I hope we can talk again soon.
Speaker 15 (21:29):
I hope we do as well. We'll get you for
the next digital house cleaning challenge.
Speaker 1 (21:32):
Right on, buddy, take care of my man again. Thank
you to Tom Camber. With older adults, technology services are
better known as oh it's forgiven some practical tips that
maybe you can use her or help your loved ones
get themselves in order. And if you want more information
again senior planet dot org howarn slash digital house cleaning
against Senior planet dot org orn slash house cleaning. I'm
(21:53):
Scott Fitzgerald. This is Kentucky Focus. We're back to wrap
things up. After this.
Speaker 16 (22:00):
Iraq our truck hit a roadside bomb, I had about
sixteen surgeries on my hand so that I could regain function.
And when I came home, I needed a new proof
due to a storm, and my electrical was deemed unsafe
and I was about to lose homeowners' insurance as well.
I didn't really know where to go in order to
(22:21):
get help, and so I applied for Operation home Front
Critical Financial Assistance Program. They've really been a blessing. Operation
home Front is the safety net a lot of veterans.
They fall through the cracks sometimes, and Operation home Front
they catch us. It's been a blessing to us, it's
a blessing to other veteran families, and it's good to
(22:42):
know that when we come home there are people who
are there that care about us and want to see
us too well, and want to see us succeed. And
we feel it and we appreciate that. I would say,
you guys are angels behind closed doors.
Speaker 1 (22:56):
Visit Operation Homefront dot org to learn more. We didn't
know what takes back. We were just just left in
a hotel. My mom was doing drugs in the house.
Speaker 4 (23:07):
Tay and Brianna spent years of their childhood in homes
that weren't safe. They were placed in foster care and
longed for a permanent, loving home.
Speaker 1 (23:19):
I didn't know what my future was.
Speaker 8 (23:20):
I wouldn't speak to anyone. I was afraid of everything.
Speaker 4 (23:24):
With help from the Dave Thomas Foundation for Adoption, Brianna
and Tay were adopted and now feel excited about their futures.
Speaker 9 (23:33):
I'm studying to be a chef and I really want
to travel the world.
Speaker 17 (23:37):
I'm going to be a mechanic and I could focus
on my career right now.
Speaker 4 (23:42):
In the United States, there are more than one hundred
thousand children in foster care, just like Brianna and Tay,
who need a family.
Speaker 1 (23:52):
Now.
Speaker 4 (23:53):
Learn how you can help at Dave Thomasfoundation dot org.
Speaker 18 (23:58):
Yo, I'm your own Batha. Haven't seen you out on
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that's a slam done. Donate today, Hey, I got that.
Speaker 17 (24:17):
To find your nearest Goodwill locations and to learn more
about our mission, please visit Goodwill dot org.
Speaker 1 (24:23):
Goodwill where your things start new lives.
Speaker 10 (24:27):
Maybe he was born with his witty humor. Some people
bring joy wherever they go, whenever they go, or is
the frontier newspaper reporter there's nothing to be lying from
the second kick of the mule. Maybe he got us
insight from being a riverboat captain.
Speaker 19 (24:44):
Never argue with a fool Onlookers may not be able
to tell the difference. Wherever he went, Mark Twain found
humor all around. Humor pass it on from pass it
on dot com.
Speaker 1 (24:57):
Well, that wraps up our conversation this week about getting
a lot of things in order, that's for sure. We
want to thank both our guests today for sharing their
expertise of course, Julia Bartek with Edward Jones and Tom
Camber with Older Adults Technology Services or OATS, all helping
us make the most of our financial and digital futures.
For more information on education savings, you can visit Edward
(25:18):
Jones dot com forward slash education savings one more time
Edward Jones dot com Education Savings, And to learn more
about getting your digital house or someone you love or
care for in order, check out senior planet dot org
forward slash Digital house cleaning again senior planet dot org
forward slash Digital house cleaning. I know I speak for
all of us, your ad to the Kentucky News Network
(25:39):
and of course Kentucky Focus when I say take care
of yourself, take care of others, and more importantly, we
want your round for next week's show. Enjoy the week, everyone,
I'm Scott Fitzgerald. This is Kentucky.
Speaker 2 (25:50):
Focus, Kentucky Focus on the Kentucky News Network, the show
that looks at issues affecting the Commonwealth and it's citizens.
We cover state politics, history, human interest stories, sports, and
even entertainment. It's Kentucky focus on kN N.
Speaker 9 (26:09):
When a parent sees their child's smile, they see hope.
Aleem hoped that his son, Rajib would have an easier
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(26:52):
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Train changing the world one smile at a time.
Speaker 17 (27:10):
What does life after service look like, kicking back, taking
it easy. We believe it looks a little different looks
like leading for all veterans, helping shape policies to make
certain they get the benefits they've earned, and ensuring every
veteran's voice is heard. It looks like advancing to meet
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(27:32):
the bond that unites us. It looks like serving when
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when it matters. Because a veterans' mission never truly ends,
and neither does ours. The VFW Still Leading, still Advancing,
(27:58):
Still Serving, Get involved at still Serving dot org.
Speaker 20 (28:08):
The mission of Kentucky State Police is a safeguard and
enforce the laws across the commonwealth. One of our priorities
is making sure families across our New Kentucky home are safe,
not only safe, but also they feel safe. When we
have someone that commits a crime, and we want to
ensure that those pay their debt to society, and they do,
(28:30):
but once they finish that, and that's when we want
to incorporate these re entry programs for those to be
able to go back in their communities. And what that
does and that they become contributed members is society. They
have an income they can provide for their family, and
by that then they're not committing further offenses, which makes
Kentucky a safer place. And by Kentucky being a safer place,
(28:52):
that's also safer for law enforcement across their commonwealth. Now
we will collaborate with other public agencies and other law
enforcement entities to ensure that people can have a better
life for themselves.
Speaker 21 (29:06):
The more you listen to your kids, the closer you'll
be find resources to help you support your kids and
their emotional well being at sound it out Together dot org.
That's Sounded out Together dot org, brought to you by
the AD Council and Pivotal.
Speaker 1 (29:20):
This is John Stossel. Anything that makes it harder for
you to speak limits your life. So if you or
someone you know stutters, you can call the Stuttering Foundation
for help eight hundred nine three nine two
And welcome to Kentucky Focus. So I'm Scott Fitzgerald. This
week we're diving into practical tips and strategies that could
make a real difference in your life, whether it's planning
for the future, staying ahead of challenges, or just making
everyday things seem a little bit easier. Stick around. We've
got some insights, advice and ideas you don't want to miss.
I'm Scott Fitzgerald and this is Kentucky Focus.
Speaker 2 (00:22):
Welcome to Kentucky Focus on the Kentucky News Network, the
show that looks at issues affecting the Commonwealth and its citizens.
We cover state politics and history, human interest stories, sports,
and even entertainment. It's Kentucky Focus on kNN.
Speaker 3 (00:40):
The best words to hear at the TSA security checkpoint,
You're here to go.
Speaker 1 (00:44):
All it takes is a little preparation.
Speaker 3 (00:46):
Get to the airport early, bring a carry on bag
that fits in the overhead, and have an acceptable ID.
Not all state issued IDs will cut it. Check out
TSA dot CoV slash ID and see which TSA acceptable
IDs make the grave like a or passport.
Speaker 1 (01:01):
Before you jet. Do a little prep and you're good
to go.
Speaker 4 (01:05):
Check out TSA dot gov, slash id or the MYTSA app.
Speaker 5 (01:08):
I need to file my tax return right the first time.
Speaker 3 (01:11):
How can I be sure to do that?
Speaker 6 (01:13):
Doing your taxes yourself. Using e file is the best
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your refund, so spend an extra few minutes making sure
you can file an accurate return first time around. Avoid
common errors by spelling all names correctly and using correct
SoC security numbers. Double check your bank account numbers for
direct deposit and double check your math too. Oh yeah,
(01:34):
don't forget to sign and date your return.
Speaker 1 (01:36):
Pass it today.
Speaker 7 (01:38):
My bank made a big mistake, but I forgave them.
My server spilled water on me, but I forgave him.
My toddler drew lipstick on the wall. Was I ever mat?
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(01:58):
are doing lipstick car art on paper. Forgiveness is in
your pass from pass it on dot com.
Speaker 1 (02:08):
Welcome back to Kentucky Focus. I'm Scott Fitzgerald. Well went
back to school season in full swing. Many families are
thinking about how they'll pay for all future education costs.
A new study from Edward Jones and Morning consult shows
only two in five Americans field they're saving enough to
meet their educational goals. And it turns out more than
half of Americans aren't familiar with four or excuse me
(02:29):
with five twenty nine education savings plans. Those, of course,
tools designed to help families safer everything from K twelve
tuition to registered apprenticeships. Joining us to break down the
findings and sure practical tips is Julia Bartok. She's a
financial advisor with Edward Jones and Julia, thanks so much
for joining us.
Speaker 8 (02:47):
Thank you for having me. It's great to be here.
Speaker 1 (02:49):
All right, Well, let's jump into it, Julia. This study
shows that most Americans feel like they're not saving enough
for education. How are people generally feeling when it comes
to their education savings?
Speaker 8 (02:59):
You know what, I talk with families. One of the
most common concerns education, whether it's saving for college, private school,
or even advanced training later on. And the truth is
many people don't feel confident in this area. So our survey,
like you mentioned, found that only about thirty eight percent
feel they're saving enough to reach their education goals, and
(03:22):
it makes sense. Most households are balancing competing priorities. You've
got groceries, childcare, retirement planning, maybe trying to buy a home,
and on top of that, you're expected to fund education.
It can feel overwhelming.
Speaker 9 (03:36):
Here's the key.
Speaker 8 (03:37):
It's never too early and it's never too late. Every
contribution matter is whether you can set aside a large
amount or even just something small. Even modest, consistent contributions
can grow significantly over time.
Speaker 1 (03:51):
Julia Bartak joining us. She's a financial advisor with Edward
Jones and this is so on point. Julie is as
a dad who's got a junior in college now, I
wish I would have known back then. I know what
I know now and this is timely for sure. And Julia,
for families who want to get the most out of
their flexible saving tools like five twenty nine plans, what
(04:11):
should they know?
Speaker 8 (04:12):
Start by thinking about your education goals. Do you want
to cover tuition only? Tuition plus housing and books? Are
you saving for one child or multiple children? Once you
know your goal, it's easier to match the right tools
to it. And that's really where a financial advisor comes in.
We're going to sit down with you, really understand your
unique goals, objectives and put a plan together that matches
(04:35):
your specific needs. And five to nine plans are one
of the most powerful flexible tools out there. So, like
you mentioned earlier, it's really designed for education. The money
you put in it grows tax free, and then when
it's used for qualified education expenses things like tuition, books
or housing, you don't pay taxes when you withdraw it,
(04:56):
and that's a huge advantage.
Speaker 1 (04:59):
Absolutely. Julie A. Bartalk joining us now. She has a
financial advisor with Edward Jones, and we're talking about, of
course saving for education. Now that everybody's back into school,
and suddenly those first bills start wrolling in. You're like,
how am I going to afford this? So Julia, let
me ask you what happens if a family has been
saving for college, but then their child decides to go
different paths, say vocational training or an apprenticeship.
Speaker 8 (05:20):
That's something I hear a lot. What if I save
all this money in my child doesn't use it. The
good news is five twenty nine s are flexible, and
a lot of families don't realize just how broad the
list of qualified expenses is. In general, it's not just
college tuition anymore. Five twenty nine months can be used
for K through twelve tuition, apprenticeship programs, and now even
(05:41):
paying down student loans. And if one child decides not
to pursue college, you can actually transfer the account to
another child or even a future grandchild. So if your
child earns a scholarship, you can withdraw that equivalent amount
out without the usual penalty, and with new rules, unused
funds can even be rolled into a roth IRA for
(06:04):
the beneficiary, of course, subject to certain criteria. But bottom
line is, it's not a locked in situation. You're not
gonna just lose the money. If life takes a different path,
you still have options to keep those funds working for
your family's benefit.
Speaker 10 (06:17):
Again.
Speaker 1 (06:18):
Julia Bartok joining us now she is a financial advisor
with Edward Jones. As we're talking about how to fund
your child's education, now, maybe your child is already into
college or they're getting ready to go to college. And
as I mentioned earlier, as the father of a son
who's now a junior, I wish I would have known
a lot of what I know now back then, because,
believe me, it would have been worth it, especially to
(06:38):
my pocketbook, Julia, you mentioned briefly there. If families do
have more than one child, it can be rolled over.
What advice do you have for parents that could be
planning for multiple kids' education expenses, especially those with larger families.
Speaker 8 (06:49):
Families will often ask me, do I need a separate
five twenty nine for each child? And the answer really
is it depends. Some parents like the simplicity of one
account per child. It helps them trap contributions and know
exactly what's been set aside. In fact, our research found
forty two percent of families with multiple kids do exactly that,
(07:10):
and then others about a third said that they prefer
to keep one large account and simply change the beneficiary
as needed, which also is an option built into five
twenty nine plans, so that can give you the flexibility.
Let's say one child's path is more expensive than another.
There's no single right answer. It really comes down to
what's your strategy and comfort level, And the important thing
(07:32):
is you've got to revisit your plan regularly. Education cost
change and family circumstances change, and you need a strategy
and a plan that can adapt right alongside you.
Speaker 1 (07:44):
Julia Bartek is joining us. She's with Edward Jones. Were
have a fascinating conversation on funding your child's education. Maybe
your child is getting ready to go to college, when
if you have a child that's already in college, and
you have some questions you want answered, and again Julia
is here to help us answer those. Just a couple
more questions for you, Julia, you mentioned you know off
the bat, I was going to ask you, what are
(08:04):
some of the common mistakes families make when saving for
education that could possibly be avoided?
Speaker 8 (08:09):
What's it in general just not having a plan and
maybe feeling overwhelmed like you're never going to be able
to hit any of your goals, because truly having a
plan in place, starting early, and knowing that even a
little bit can really make a huge difference for savings.
Speaker 1 (08:31):
And then last question for you, Julia, how much should
families And this may be a hard question to answer,
maybe too wide of a net, but how much should
families realistically aim to save each year to feel confident
about their future education costs?
Speaker 8 (08:43):
It really comes down to what your specific goals are,
because if you want to just cover tuition only or
tuition plus housing and books, and this is really where
a financial advisor is going to come into play to
help you with thinking through how much do you want
to cover? Do you want to cover all of it,
some of it, none of it, But then also do
(09:04):
you want to do in state or out of state?
We have the tools here to help you plan exactly
with what your goal is right right.
Speaker 1 (09:13):
Everybody's different to kind of like fingerprints, that's for sure.
Julia Bartech She is a financial advisor with Edward Jones. Julia,
where can folks go if they want to know more
about planning for education and using their five twenty nine effectively?
Speaker 8 (09:25):
Easiest place to start is Edward Jones dot com slash
Education Savings. There you can read about five twenty nine
plans and other strategies, and we also have some research
on how families are just saving in general today. And
we also have some free modules through our financial Fitness program.
So these are going to be short, accessible lessons that
(09:45):
can help your kids, teens, and even just adults build
financial knowledge and it's a great way to make sure
the whole family is financial confidence. And then of course
talking with a financial advisor can really help. Everyone's situation
is different, but having someone walk you through the options
ensures you're making the best decisions for your goals.
Speaker 1 (10:06):
Well, Julia, it's clear from talking with you that being
informed in starting early can make a big difference when
it comes to baying for that college education. Julia Bartech
with Edward Jones. Julia, thank you so much. We appreciate
having you with us.
Speaker 8 (10:19):
Yeah, thanks for having me. It's been great.
Speaker 1 (10:21):
Thank you again to Julia Bartech from Edward Jones for
breaking down how families can get their education savings on
track and make the most of tools like five twenty
nine plans. For more tips and resources, you can visit
Edward Jones dot com Education Savings Again Edward Jones dot
com Education Savings. Up next, we're talking about practical steps
you can take to get organized, protect your important information,
(10:44):
and make technology work for you. We'll hear from someone
that can give us some tips that any one of
us can put into action, no matter how you feel
about digital tools. I'm Scott Fitzgerald and this is Kentucky Focus.
Speaker 11 (10:58):
When I first had Jordan, i'd get all the time
about how happy I must be. I remember thinking there
must be something wrong with me because I don't feel
all this joy and supposed to be feeling. That's when
I made the call. My doctor told me I have
postpartum depression and treatment is available. These days, things are
feeling right, even if they don't always go that way.
(11:18):
Mental health care works when you make the call.
Speaker 1 (11:21):
See what it can do for you at mentalhealthcare Works
dot org.
Speaker 12 (11:24):
A message from the American Psychiatric Association Foundation.
Speaker 5 (11:28):
Childhood should be the happiest time of life, but for
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(12:10):
one child at a time. Volunteers from your community and
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changing healing and hope to the forgotten poor. To learn
how you too can help change the world, one child
at a time, go to mercyships dot org.
Speaker 13 (12:27):
Today tech Trends, Alexa Plus is the latest version of
Amazon's popular voice assistant, and now the company is out
with some new hardware to go along with that.
Speaker 12 (12:37):
Software for new EGO devices, to echo speakers, to echo
displays or Echo shows.
Speaker 13 (12:41):
And Gadget's Charlyn Lowe says the new echos all come
with updated processors to handle the energy hungry AI in
Alexa Plus.
Speaker 12 (12:50):
Basically, they've got new computing components and chips inside that
will help them process these AI or GeneID tasks a
bit faster. The results should be that they're a bit
more responsive.
Speaker 13 (13:00):
There's also a new version of the Echo Studio, which
is designed for high end audio.
Speaker 12 (13:05):
The premium smart speaker made by a mainstream company that
Amazon or Google is not a brand new concept, it's
just one that struggled to really take off in the past.
Speaker 13 (13:14):
Amazon also announced some new features like Alexa Home Theater.
Speaker 12 (13:18):
When you've got multiple Echo devices together and compare them
up and provide a sort of surround sound experience.
Speaker 13 (13:23):
With tech Trends, I'm Mike Debaski.
Speaker 14 (13:25):
Snakes, zombies, public speaking, the list of fears is endless,
but the real danger is in your hand when you're
behind the wheel. Distracted driving is what's really scary and
even deadly. Ice forward, don't drive distracted. Brought to you
by NITZA and the ad Council.
Speaker 1 (13:41):
Welcome back to Kentucky Focus. I'm Scott Fitzgerald. Well, today
we're talking about a topic that affects everyone. How do
you keep your digital life organized and secure? Technology can
make daily life easier, but from many older adults, managing
important documents and protecting against rock can be a real challenge.
Joining us to share practical tips is Tom Camber, Executive
director of Older Adults Technology Services or Oh It's from AARP.
(14:06):
Tom is leading a new five day challenge to help
older Americans get their digital house in order. Welcome Tom,
Thanks for joining us.
Speaker 15 (14:14):
Thanks for having me.
Speaker 1 (14:15):
Tom. Your recent survey shows that many adults over fifty
haven't digitized they're important documents. Why do you think this.
Speaker 15 (14:21):
Is, well, we asked them why it was. In fact,
we were a little shocked that so many people haven't
digitized any documents. It's actually two thirds, which is the
majority and the reason they cited was either they didn't
know how to do it, or didn't have the skills,
or they just hadn't had a chance to get around
to it. They've been putting it off.
Speaker 1 (14:37):
And Tom Camber joining US executive director of Older Adults
Technology Services or Oh, it's just coming to his courtesy
of AARP, and we're talking about digitizing your important documents. Tom,
what exactly do you mean when you speak of digital
house cleaning.
Speaker 15 (14:50):
Well, you know, digital house cleaning refers to this task
of just kind of getting at all of those things
that people typically put off or don't pay attention to
that when you leave them, you know, for too long,
they can really become a crisis. So, for one example
is passwords. You know, we often have passwords we set
years ago. We can't remember what they are, or they're
not very good for strong passwords, or we've shared them
(15:12):
in too many different places, and so we put ourselves
at risk. And every once in a while we have
to go in and update the passwords and even use
more modern tools like password managers that allow us to
have one really strong password that then protects our passwords
in various different places. So digital house cleaning is the
task of taking a little bit of time every year
to focus on things like passwords, or like documents, storage
(15:35):
or app permissions and really zero in on that stuff
and just clean it up so that it doesn't become
a problem.
Speaker 1 (15:40):
Yeah, and you generally feel a lot better after it's done,
that's for sure.
Speaker 15 (15:43):
Oh yeah, you really do.
Speaker 1 (15:45):
No, I know, I do, And I'm not even up
there yet yet, but I'm getting close. Tom. For someone
just getting started, who's listening now, what are the first
steps they should take to organize their digital record safely?
Speaker 15 (15:57):
We found that, you know, what really helps us for
people to get stuff in a format that works for them,
that's that kind of has a minimum of fuss. And
so we actually set up a special web page. It's
called senior planet dot org slash Digital house Cleaning, and
if they go to senior planet dot org slash Digital
house Cleaning, we have organized a five day digital house
cleaning challenge. Day one is app permissions, Day two is passwords,
(16:22):
Day three is social media, four is digital documents, and
the last day is on digital vaults. And each day
is organized with some educational information. There's a hotline that
you can call for help. There's a checklist to show
that you're going through it and getting it all done,
and it's just cheerful and friendly, and it organizes it
in a site that people can get and even best
(16:43):
of all, for me, it's all free. Nobody's getting charged
for any of this.
Speaker 1 (16:46):
Tom Camber is with us. He's the executive director of
Older Adults Technology Services or ODES. He comes to his
courtesy of AARP and Tom, what are some common mistakes
people make when trying to store documents or manage their
digital information.
Speaker 15 (17:00):
Well, the first mistake that a lot of older people
do is is, you know, we're we didn't grow up
with technology, so we tend to be a little bit
more anxious about it, and then we don't use it.
And so you know, you've got all of these documents
lying around the house. They're you know, in folders, goshas,
where they're under your bed there, you know, in the
closet somewhere, and one you can't find them half the
time too. They could be stolen, or if there happens
(17:21):
to be a fire or a flood, you could lose
access to all of that information. So one of the
things is to use technology for the purposes that it's
great at which is often about you know, making copies
of records, storing them securely, and also sharing them as
appropriate with people that you grant those permissions to.
Speaker 1 (17:39):
And Tom, what documents do you recommend folks do first?
Medical records, financial statements, or is there something else?
Speaker 15 (17:45):
I would recommend you start with something that you that
you know is important and that you also have relatively
at hand. Let's get ourselves working on something that we
can have a win with. So for some people it's
going to be some of those financial records around your
you know, your savings, your investments, things like that that
may be scattered around. For others, it may be your
health stuff because that's front and top of mind for you.
(18:05):
And if you've got a caregiver that you're working with,
storing your health information digitally and making sure that they
have access to it would be the first order business.
And then for me personally, you know, I have children
and I want to make sure that they know where,
if anything wherever to happen to me. Which items in
the house are you know, family heirlooms and what the
stories are. So I have photographs of those things and
(18:27):
we're storing those in a digital vault that people can
access that information in the event of my passing, but
it really organizes all that information for people in the family,
So it depends on your priorities.
Speaker 1 (18:37):
You know, that's great point.
Speaker 11 (18:38):
Tom.
Speaker 1 (18:38):
Again, we're spending some good quality a few minutes with
Tom Camber. He is the executive director of Older Adults
Technology Services. They go by OATS from me AARB. You
speak to something I wanted to ask you about, Tom,
and explain to the listener how digital house cleaning helps
keep your digital life organized and most importantly prevent frauder
(18:59):
identity that.
Speaker 15 (19:00):
Well, you know, the fraud or identity theft challenge for
older people is in increasing problem. And you know the
bad news is that when you turn fifty or sixty especially,
you end up with a target on your back for
all of these scammers out there that are trying to
rip you off, and you have to be a little
extra cautious to spend a little bit extra effort making
sure you're protected. And so the first order business is
your password managers. Digital house cleaning allows you to do that.
(19:23):
Every year you get at those passwords, you make sure
you've got a strong password manager, a strong password know
that you're using to protect yourself. And then secondly, we
actually have a day of sessions on the Digital House
Cleaning Challenge that focuses on app permissions, which sounds a
little bit maybe abstract, but it's not. So it's really
about looking at the apps that you have on your
(19:44):
phone and checking the settings to see how they're tracking you,
how much they're sharing your information with other third parties
or selling that information. You can turn that stuff off,
and we have a system that allows you to kind
of go at it in a reasonably organized way and
take care of those asks in just an hour or so.
So I think those would be some of the priorities.
Speaker 1 (20:03):
Tom, I'm very well spoken. You're bringing to light a
very important issue. I know is my folks begin to age.
This is very important to me as as their son,
to help them along with this final question for you, Tom,
what's one tip you think everyone should implement that's listening now?
Immediately after that you're done listening to us, Well.
Speaker 15 (20:21):
The thing to me, I mean the real tip is
to not put it off right right. I have a
I literally I said up the Digital I was Cleaning Challenge,
and I actually went into my actual closet and started
organizing my clothes as a result of this, because I
did putting that off all year. So really I would
just say get you. You know, my big tip is
pour yourself a cup of tea or a cup of
coffee or whatever it is that you relax yourself with.
Go get on the web, go to senior planet dot org,
(20:44):
slash Digital house Cleaning and just check it out. It's
fun take that first step, that's what you know. It's
always makes you feel so much better when you start
doing it. It's like any of those tasks you think
about it, you just get a little stressed, but the
minute you start doing it, it's like a weight's been
lifted off your shoulders. We've set this up with a
lot of fun materials and track you know, like a
(21:05):
checklist for you. That hotline is there to support you
when you have questions. It's just a really great thing
to get started with.
Speaker 2 (21:11):
So my real tip is.
Speaker 15 (21:12):
Just like, as soon as you're done listening to the
radio this morning, make that your next order.
Speaker 1 (21:16):
Business Tom Camber Great Few Minutes. He is the executive
director of Older Adults Technology Services are OHS. He comes
to his courtesy of ARP. Tom you've been a wealth
of knowledge, my man. I'm definitely putting you in my
role index and I hope we can talk again soon.
Speaker 15 (21:29):
I hope we do as well. We'll get you for
the next digital house cleaning challenge.
Speaker 1 (21:32):
Right on, buddy, take care of my man again. Thank
you to Tom Camber. With older adults, technology services are
better known as oh it's forgiven some practical tips that
maybe you can use her or help your loved ones
get themselves in order. And if you want more information
again senior planet dot org howarn slash digital house cleaning
against Senior planet dot org orn slash house cleaning. I'm
(21:53):
Scott Fitzgerald. This is Kentucky Focus. We're back to wrap
things up. After this.
Speaker 16 (22:00):
Iraq our truck hit a roadside bomb, I had about
sixteen surgeries on my hand so that I could regain function.
And when I came home, I needed a new proof
due to a storm, and my electrical was deemed unsafe
and I was about to lose homeowners' insurance as well.
I didn't really know where to go in order to
(22:21):
get help, and so I applied for Operation home Front
Critical Financial Assistance Program. They've really been a blessing. Operation
home Front is the safety net a lot of veterans.
They fall through the cracks sometimes, and Operation home Front
they catch us. It's been a blessing to us, it's
a blessing to other veteran families, and it's good to
(22:42):
know that when we come home there are people who
are there that care about us and want to see
us too well, and want to see us succeed. And
we feel it and we appreciate that. I would say,
you guys are angels behind closed doors.
Speaker 1 (22:56):
Visit Operation Homefront dot org to learn more. We didn't
know what takes back. We were just just left in
a hotel. My mom was doing drugs in the house.
Speaker 4 (23:07):
Tay and Brianna spent years of their childhood in homes
that weren't safe. They were placed in foster care and
longed for a permanent, loving home.
Speaker 1 (23:19):
I didn't know what my future was.
Speaker 8 (23:20):
I wouldn't speak to anyone. I was afraid of everything.
Speaker 4 (23:24):
With help from the Dave Thomas Foundation for Adoption, Brianna
and Tay were adopted and now feel excited about their futures.
Speaker 9 (23:33):
I'm studying to be a chef and I really want
to travel the world.
Speaker 17 (23:37):
I'm going to be a mechanic and I could focus
on my career right now.
Speaker 4 (23:42):
In the United States, there are more than one hundred
thousand children in foster care, just like Brianna and Tay,
who need a family.
Speaker 1 (23:52):
Now.
Speaker 4 (23:53):
Learn how you can help at Dave Thomasfoundation dot org.
Speaker 18 (23:58):
Yo, I'm your own Batha. Haven't seen you out on
the courts in a while? Why not pass me over
to Goodwill? Donating me helps Goodwill's mission to provide career
training and support services right here in the community. And
that's a slam done. Donate today, Hey, I got that.
Speaker 17 (24:17):
To find your nearest Goodwill locations and to learn more
about our mission, please visit Goodwill dot org.
Speaker 1 (24:23):
Goodwill where your things start new lives.
Speaker 10 (24:27):
Maybe he was born with his witty humor. Some people
bring joy wherever they go, whenever they go, or is
the frontier newspaper reporter there's nothing to be lying from
the second kick of the mule. Maybe he got us
insight from being a riverboat captain.
Speaker 19 (24:44):
Never argue with a fool Onlookers may not be able
to tell the difference. Wherever he went, Mark Twain found
humor all around. Humor pass it on from pass it
on dot com.
Speaker 1 (24:57):
Well, that wraps up our conversation this week about getting
a lot of things in order, that's for sure. We
want to thank both our guests today for sharing their
expertise of course, Julia Bartek with Edward Jones and Tom
Camber with Older Adults Technology Services or OATS, all helping
us make the most of our financial and digital futures.
For more information on education savings, you can visit Edward
(25:18):
Jones dot com forward slash education savings one more time
Edward Jones dot com Education Savings, And to learn more
about getting your digital house or someone you love or
care for in order, check out senior planet dot org
forward slash Digital house cleaning again senior planet dot org
forward slash Digital house cleaning. I know I speak for
all of us, your ad to the Kentucky News Network
(25:39):
and of course Kentucky Focus when I say take care
of yourself, take care of others, and more importantly, we
want your round for next week's show. Enjoy the week, everyone,
I'm Scott Fitzgerald. This is Kentucky.
Speaker 2 (25:50):
Focus, Kentucky Focus on the Kentucky News Network, the show
that looks at issues affecting the Commonwealth and it's citizens.
We cover state politics, history, human interest stories, sports, and
even entertainment. It's Kentucky focus on kN N.
Speaker 9 (26:09):
When a parent sees their child's smile, they see hope.
Aleem hoped that his son, Rajib would have an easier
life than he had. You see. Rejib, just like his father,
was born with a cleft, but as a fisherman in
a small village in Indonesia, the cost of surgery was
out of reach. Their lives were transformed thanks to Smile Train,
(26:32):
which sponsors free, life changing cleft surgeries and other essential treatments.
Rejeb's surgery marked Smile Trains two million, and incredibly, a
Lemes was the two million and first. Now their smiles
are a symbol of hope for children with clefts. All
over the world. Five hundred and forty babies are born
(26:52):
with a cleft each day, but through Smile Train, millions
of lives have been changed. To learn more and support
the globe community, visit SmileTrain dot org, slash learn smile
Train changing the world one smile at a time.
Speaker 17 (27:10):
What does life after service look like, kicking back, taking
it easy. We believe it looks a little different looks
like leading for all veterans, helping shape policies to make
certain they get the benefits they've earned, and ensuring every
veteran's voice is heard. It looks like advancing to meet
today's veterans where they are, lifting them up and strengthening
(27:32):
the bond that unites us. It looks like serving when
disaster strikes, with boots on the ground, helping our communities
recover and rebuild, from the Capitol to our hometowns. You
don't just show up when it's easy. We show up
when it matters. Because a veterans' mission never truly ends,
and neither does ours. The VFW Still Leading, still Advancing,
(27:58):
Still Serving, Get involved at still Serving dot org.
Speaker 20 (28:08):
The mission of Kentucky State Police is a safeguard and
enforce the laws across the commonwealth. One of our priorities
is making sure families across our New Kentucky home are safe,
not only safe, but also they feel safe. When we
have someone that commits a crime, and we want to
ensure that those pay their debt to society, and they do,
(28:30):
but once they finish that, and that's when we want
to incorporate these re entry programs for those to be
able to go back in their communities. And what that
does and that they become contributed members is society. They
have an income they can provide for their family, and
by that then they're not committing further offenses, which makes
Kentucky a safer place. And by Kentucky being a safer place,
(28:52):
that's also safer for law enforcement across their commonwealth. Now
we will collaborate with other public agencies and other law
enforcement entities to ensure that people can have a better
life for themselves.
Speaker 21 (29:06):
The more you listen to your kids, the closer you'll
be find resources to help you support your kids and
their emotional well being at sound it out Together dot org.
That's Sounded out Together dot org, brought to you by
the AD Council and Pivotal.
Speaker 1 (29:20):
This is John Stossel. Anything that makes it harder for
you to speak limits your life. So if you or
someone you know stutters, you can call the Stuttering Foundation
for help eight hundred nine three nine two
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