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New grads, unlock future with a credit check-up

In college, establishing credit felt about as pressing as an optional homework assignment. But now that you’ve graduated, it’s suddenly at the top of your summer to-do list, with a deadline of ASAP. And for good reason.
Good credit is your ticket to an easier and more affordable postgrad life. It could help you qualify for apartments, nab low-interest car loans, pay less for car insurance, set up utilities with little or no deposit s, and more. And it’s not that hard to get started. With a few strategic moves this summer, you can make sure future-you is ready to clinch those savings.
SEE WHERE YOU STAND
If credit hasn’t been on your radar until now, you might not know whether you have it or not. So here’s where to start:
—Check your credit reports. The federally authorized site Annual CreditReport.co m offers free credit reports from each of the three major bureaus — Experian, Equifax and TransUnion — every 12 months. These list your credit accounts and payment histories, among other information.
—Check your credit scores. Typically ranging from 300 to 850, these numbers give you a bird’s-eye view of your credit. The most commonly used ones are generated by credit-scoring companies FICO and VantageScore. You can access these for free through certain credit card issuers and third-party sites.
Once you do this, you might discover that you actually do have credit — and good credit, at that.
Such was the case for Jennifer Jackson of Atlanta, now 27, who got her first credit card in college. Her dad also added her as an authorized user to a card with a positive credit history.
In school, “I didn’t know that I was building credit,” said Jackson, who founded the blog ADLT101.com. “I wasn’t doing it on purpose. But it ended up helping me.”
After graduating, that good credit helped her get a low-interest auto loan, which saved her plenty, she said. Now, as a millennial transition coach, she speaks to students in colleges and universities about how to prepare for postgrad life.
NO CREDIT? GET STARTED
When you’re starting fresh — no student loans, credit cards or other credit — your to-do list is straightforward: Get an account that reports payments to the three major credit bureaus.
“You only need one credit account to have a good score,” said Barry Paperno, a credit expert and blogger at Speaking of Credit. “That’s all you need. I don’t want people to think the bar is so high for getting a score, or a good score.”
After six months of reporting from that account, you’ll have enough credit history to generate a FICO credit score, he notes. You’ll be able to get a VantageScore credit score even sooner.
Here’s how you can get going :
—Get a credit card: If you have no credit, you might have to start with a secured card, which means putting down a refundable deposit — usually around $200. You might also qualify for an unsecured card with your bank or a store-branded card.
—Take out a credit-builder loan: With these loans, the money you borrow is typically held in a bank account while you repay the loan in installments. Afterward, the money is released to you.
—Become an authorized user: Jackson’s dad added her as an authorized user on one of his cards while she was still in school. “I had a really old car in college. He said, ‘OK, I’m going to put your name on this card so you can use it if you need to go get some repairs done on your car.’” Because he had managed that card well, it lifted her score, she said.
ALREADY HAVE CREDIT? CULTIVATE GOOD HABITS
Finding out you’ve built a solid credit history without trying can feel like passing a test you didn’t study for: It’s a relief, and a little exhilarating. But resist the urge to mentally check out.
To keep that score in good shape, you need to continue building a positive payment history, which means keeping your balances low and paying loans, credit cards and other accounts on time. Be aware you can do this on a credit card without carrying debt from month to month.
“There’s nothing to be gained by running a balance,” Paperno said. “There’s plenty to lose, particularly the high interest you’re going to pay.”
By paying in full and on time, you’ll avoid interest charges and penalties — and keep your score healthy.

Disapproving son tries to put an end to mother’s romance

DEAR ABBY: I am a 64-year-old widow who lost my husband 5½ years ago. I became reacquainted with a former classmate at a high school reunion, and we started dating. He makes me laugh, takes me to dinner and movies, and we have a great time together. One night, I let him stay over because he was going to go to church with me the next morning. He lives 45 minutes away. My son drove by (intentionally), saw his car and confronted us at church in front of people. He walked up to my friend and said, “Well, how did ...

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Area veterans reflect on July 4th holiday

The Fourth of July is known for fireworks celebrations, but the meaning behind the holiday goes much deeper than that. Several St. Mary Parish veterans gave personal reflections on what it means to them. Independence Day, also known as the Fourth of July, commemorates the anniversary of the United States declaring its independence from Great Britain in 1776. Joe Governale, 94, of Patterson, served in the U.S. Army during World War II for 25 months in the south Pacific. He was a staff sergeant in charge of a section of a platoon. Governale shared his thoughts on what people should ...

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Police: Woman struck victim with lock

A 26-year-old Morgan City woman was charged with aggravated battery stemming from a March incident in Morgan City during which she struck someone with a lock, Police Chief James Blair said in a news release.

—Breiana M. Gant, 26, of Leona Street in Morgan City, was arrested at 3 p.m. Monday on a warrant charging her with aggravated battery.

Gant was located and arrested at the police department on a warrant. The warrant stems from a March 27 investigation when police responded to the area of Bowman Street in regard to a complaint of a battery that had been committed.

Officers arrived when Gant was identified as one of the parties involved. Gant and the victim were involved in an altercation the night before when Gant allegedly struck the victim with a lock, Blair said. The investigation continued when a warrant was prepared for Gant’s arrest. Gant was jailed.

Blair reported that officers responded to 38 calls and reported the following arrests:

—Tarrike M. Phillips, 25, of Tiffany Street in Patterson, was arrested at 11:16 a.m. Monday on charges of possession of marijuana second offense and possession of drug paraphernalia.

Patrol officers observed a vehicle being operated in the area of Martin Luther King Jr. Boulevard negotiate an improper turn. A stop was initiated when Phillips was identified as the driver. K-9 Lady with the Morgan City Police Department K-9 Division was utilized and alerted to the presence of narcotic odor in the vehicle.

Phillips was in possession of suspected marijuana and drug paraphernalia, Blair said. Phillips was jailed.

—Joseph H. Pollard Jr., 56, of Federal Avenue in Morgan City, was arrested at 1:12 p.m. Monday on a warrant charging him with four counts of failure to appear to pay a fine.

Pollard was located and arrested at St. Mary Parish jail on a warrant for city court. Pollard was jailed.

—Dewayne P. Robertson, 25, of Jones Street in Jeanerette, was arrested at 1:42 p.m. Monday on warrants charging him with failure to appear to pay a fine and failure to appear to pay a probation fee.

Robertson was located and arrested at the Jeanerette Police Department on warrants for Morgan City Court. Robertson was jailed.

—Clarence Junifer, 58, of Federal Avenue in Morgan City, was arrested at 2:25 p.m. Monday on a warrant charging him with failure to appear to pay a fine.

Junifer was located and arrested in the area of La. 182 on a city court warrant. Junifer was jailed.

—Erik S. Driskill, 43, of Second Street in Morgan City, was arrested at 7:02 p.m. Monday on a charge of unauthorized entry of an inhabited dwelling.

Patrol officers responded to the area of Catherine Street in regard to a trespassing complaint. Officers arrived when Driskill was located inside of the home.

Police found evidence that Driskill had no authorization to enter the home, Blair said. Driskill was jailed.

St. Mary Parish Sheriff Scott Anslum reported that deputies responded to 35 complaints in the parish and reported the following arrests:

—Paul Peters Jr., 60, of Gross Road in Fawn Grove, Pennsylvania, was arrested at 11 a.m. Monday on a charge of disturbing the peace by language.

A deputy patrolling Amelia responded to a disturbance at a business. The deputy found evidence that Peters became irate with the victim, using profane language in the presence of several others. Peters was released on a summons to appear in court Oct. 5.

—Bricelon Martin, 22, of Samuel Street in Franklin, was arrested at 4:10 p.m. Monday on charges of simple burglary of an inhabited dwelling and illegal possession of stolen things.

—Eric Bridges, 30, of Rose Road in Franklin, was arrested at 4:50 p.m. Monday on a charge of illegal possession of stolen things.

Deputies patrolling the Patterson area responded to a burglary at a home on Cremo Lane. Through the investigation, deputies received information that individuals were attempting to sell items matching the description of the stolen items in Amelia, Anslum said.

Deputies made contact with Martin and Bridges and found them in possession of the stolen items. Deputies found evidence that Martin entered the residence and removed the equipment. Deputies also learned that Bridges purchased an item from Martin.

Both were booked into parish jail. Bridges was released on $500 bail. No bail was set for Martin.

—A juvenile female, 16, was arrested at 1:41 p.m. Monday on a charge of ungovernable juvenile. A deputy patrolling Bayou Vista responded to a disturbance at a home on Lagonda Lane. The deputy found evidence that the juvenile became irate and damaged property belonging to the victim. The juvenile was released to the custody of her guardian, pending juvenile court proceedings.

—Amber Metrejean, 28, of California Street in Berwick, was arrested at 3:10 p.m. Monday on a warrant for failure to appear on a charge of criminal neglect of family. Metrejean turned herself in at parish jail. Bail was set at $185.21.

Patterson Police Chief Janis Merritt reported no arrests.

Berwick police arrest two teens after stopping vehicle wanted in shooting, burglaries

Two teens have been arrested after Berwick police saw a vehicle matching the description of a vehicle wanted in connection with an early Sunday morning shooting and multiple burglaries, Police Chief James Richard said.

As of Thursday morning, neither teen had actually been charged in connection with the shooting or burglaries.

A male juvenile, 15, of Patterson, was arrested at 11:30 p.m. Monday on charges of flight from an officer, reckless operation, improper lane usage, curfew violation and no driver's license.

A male juvenile, 15, of Patterson, was arrested at 11:30 p.m. Monday on charges of possession of a handgun by a juvenile and curfew violation.

Early Sunday morning, Berwick police responded to a report of a drive-by shooting at Bayside Village Apartments and burglaries in Renwick Subdivision. No one was hit by gunfire in the shooting, but several bullets struck the apartment building, Richard said.

The burglaries are believed to have occurred between 2 a.m. and 3 a.m. Sunday, and the shooting allegedly happened between 3 a.m. and 4 a.m. Sunday.

On Monday night, a Berwick police officer patrolling the area of Bowman Street saw a vehicle matching the description of a vehicle authorities were looking for in connection with the shooting and burglaries, Richard said.

The officer attempted to stop the vehicle but it kept going. A passenger exited the vehicle in Bayou Vista and fled on foot. Authorities caught the passenger, a 15-year-old boy, who was in possession of a handgun, the chief said.

The vehicle kept going into the Patterson area at which time Patterson police helped catch the driver, another 15-year-old boy, Richard said. The St. Mary Parish Sheriff’s Office also assisted in the chase. Both juveniles were released to their parents after their arrests.

Police are still investigating the incidents.

Patterson Cal Ripken 12U All-Stars win Cal Ripken State Title

The Patterson 12U All-Stars won the Cal Ripken State Title in Kenner Sunday.
Patterson dominated its opponents en route to a 5-0 finish.
The local squad will continue postseason play at the Cal Ripken 12U Southwest Regional, which will be held in Florence, Alabama, July 11-16.
“I think we did really well,” Patterson coach Mike Francis said. “Our pitching was really (good). … All our guys stayed up. We did well on the bat.”
Francis said his team handled the heat well, too.
At the state tournament, Patterson won game one Thursday against East Feliciana 15-1 in five innings before winning game two against Terrebonne 9-2 Friday. Saturday, Patterson beat Madisonville 11-0 in four innings before later in the day knocking off St. Charles 14-1 in four innings. Patterson concluded the tournament with an 11-0 victory against Terrebonne Sunday in the championship.
“We didn’t think we were going to dominate that bad,” Francis said. “We did really well considering you kind of get a team for you say two practices a week and you try to put so much into the little time you have. You’re not sure (how) you’re going to perform. But our team, they came together, they trusted it each, and they played ball. They did really well.”
Patterson’s Roy Jones was named the tournament’s Most Valuable Player.
Jones finished 5-for-14 at the plate for the weekend with a double and a triple.
On the mound, Jones pitched 10 innings in the tournament and fanned 16.
Other top Patterson offensive contributors from the tournament were: Austin Davis, 8-for-12 with a home run; Austin Perkins, 9-for-16, a double; Dylan Verrette, 4-for-12, a double and a triple; and Jason Matthews, 5-for-14.
Other top Patterson pitchers in the tournament were Davis, nine innings and 10 strikeouts; Braden Mouton, three innings, nine strikeouts; and Drew Dinger, two innings, five strikeouts.

Morgan City 9-year-old All-Stars win district title

The Morgan City 9U All-Stars clinched the District 3 title this weekend at Peltier Park, twice rallying from big deficit for wins and a series victory. After being run-ruled 15-5 in four innings Friday, Morgan City found itself on the brink of elimination Saturday, losing 15-3 in the bottom of the fourth inning against Thibodaux before rallying to eventually tie the game at 16 in its final at bat. Morgan City won the game 18-17 in seven innings. Sunday, Morgan City was down 10-0 in the second inning but came back for a 14-12 win. Saturday’s rally began with the squad scoring three ...

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Ways your friendships can blossom on a budget

You do not have to spend your Saturday nights alone as penance for racking up debt or having paltry savings.
You have one life, and you don’t know how long it will be. Seeking joy should be a priority on par with eliminating debt or buying a house.
Research has shown that putting energy into your friendships — and simply appreciating your friends at all — improves your life. And you don’t have to spend a lot to do it.
Those who treasure their family and friends are happier and healthier than those who don’t, a 2017 study from Michigan State University found. Even more striking: Valuing friendships is a bigger indicator of health and happiness at older ages than valuing family relationships.
Set that foundation now, and what you do — and how much you spend — won’t matter. Who you’re with and whether you cherish that time together will. So don’t worry if you can’t shell out for a big group vacation, or even a friend’s fancy birthday dinner. Here’s how to cultivate long friendships when you’re short on cash.
1. VOLUNTEER TOGETHER
Pick something you both care about, like animal welfare, the environment or veterans’ issues, and research local organizations that focus on them. Sign up for an opportunity that takes place every week or month to keep you engaged in the organization, and to give you and your friends a hangout to look forward to. Bonus: It just feels nice to help people.
If you’re politically minded, you can also register voters together or attend local City Council meetings or town hall meetings for your congressional representatives. Find your representatives at GovTrack.us and check the schedule of events on their websites. Feeling engaged in your community is also a contributor to a long, happy life.
2. JOIN THE CLUB
You may not be in college anymore, rehearsing with a cappella group or playing team sports. But you can start a monthly book club, wine club, hiking club, group playdate for your friends’ dogs — you name it. All it takes is a leader willing to send out a reminder email and gather everyone’s availability through a method like Doodle.
My book club has been going strong for almost four years, and the “club” part has turned out to be way more important to me than the “book” part.
3. NAB DISCOUNTS FOR YOUNG PEOPLE
Many cultural institutions want young people in the audience — they’re hoping you’ll buy tickets for years to come. Look into under-30 or under-35 discount ticket programs where you live, particularly at dance or theater performances. Some might require a small yearly membership fee, but if you like to see shows often, the fee will pay for itself.
4. COOK WHEN SOLO
In a way, paying for a meal or drinks out with friends is an investment in your long-term happiness. But that doesn’t justify overspending. Budget for fun the way you would for groceries, and you can spend it without guilt.
If you simply must meet friends for dinner four times a week, look at your spending holistically — a budgeting app can help — and make cuts elsewhere. Bring lunch to work every day. Or, when you’re home alone, commit to making your own meals and avoiding takeout.
5. GET CRAFTY
If you know how to knit or crochet, no one is stopping you from doing it with a friend while watching a film adaption of a Jane Austen novel (I have done this).
You can get a group together and sketch while listening to music, or spend a night repurposing old clothes you don’t wear so they’re summer-ready: a T-shirt into a tank top, or old jeans into cut-off shorts. There are tons of craft ideas on Pinterest. You can even schedule a clothing swap, which will let you freshen up your wardrobe for free.
Saving money usually requires forethought and ingenuity. The same goes for suggesting an activity beyond the easy, and pricey, “let’s get drinks.”
—“Ask Brianna” is a column from NerdWallet for 20-somethings or anyone else starting out. I’m here to help you manage your money, find a job and pay off student loans — all the real-world stuff no one taught us how to do in college. Send your questions about postgrad life to askbrianna@nerdwallet.com.

Long-distance love may be drifting even further apart

DEAR ABBY: I am a retired male. My girlfriend is still working. We have been exclusive for three years. We live 300 miles apart, but see each other every two or three weeks for at least three days and, until now, have had a very good relationship. The problem is, she’s saying she wants to socialize with her ex-husband, who lives in her town. They have been divorced for eight years, but she wants to see him occasionally in a “social setting,” not just when it pertains to their two adult children, who live out of state. I understand that ...

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SMC 12-year-old All-Stars finish as district runner-up

St. Mary Central finished as runner-up at the District 3 Majors Tournament this weekend in Morgan City, qualifying for the Louisiana Dixie Youth North Regional in Shreveport. St. Mary Central finished the district tournament 2-1, defeating Thibodaux and Morgan City but falling to Franklin. St. Mary Central now will move on to the north regional, which will begin July 13. Franklin won the district title with a 3-0 mark and will advance to the Louisiana Dixie Youth South Regional in Vidalia, which also begins July 13. In district action, St. Mary Central defeated Morgan City 10-4 Friday, fell to Franklin 10-1 Saturday and ...

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Franklin Banner-Tribune
P.O. Box 566, Franklin, LA 70538
Phone: 337-828-3706
Fax: 337-828-2874

Morgan City Review
1014 Front Street, Morgan City, LA 70380
Phone: 985-384-8370
Fax: 985-384-4255