MONEY SECTION B
Sept. 17, 2015
Volume 84, Issue 5
www.FlorAla.net
Student newspaperr of the University of North Alabama
ENROLLMENT
Officials: Credit hour production vital for tuition revenue SPENCER BROOKS
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campus tours, she said. “One of the biggest pushes that we make when we’re out recruiting is emphasizing tours,� she said in a previous article. “We can talk to students all day long, but you really need to come experience it.� The number of students who visited campus this summer doubled the number who visited last summer with over 800 people touring campus. Mauldin said about 450 people toured during summer 2014. Luna said he thinks the addition of the Science and Technology Building, residence halls, and the hiring of a new president, contributed to the increase. Junior Natalie Ball said she thinks the new residence halls and science building attracted freshmen to UNA. “The new residence halls let freshmen know they will have a nice place to stay here,� she said.
A common misconception is an increase in enrollment leads to an increase in revenue. However, this is not the case. Credit hour production, the number of classes or credits the enrolled students take each semester, is the real driver of revenue, not headcount, said Director of Institutional Research, Planning and Development Andrew Luna. “CHP is more important on a budget perspective because CHP is how much revenue an institution is bringing in,� he said. Vice President for Business and Financial Affairs Clinton Carter said the university is doing well in the areas of CHP and enrollment. “We’re up essentially 3 percent in headcount and about 6 percent in credit hours,� Carter said. Although enrollment could be high at a university, not every student could be taking the full load of 12-15 hours. This could result in a drop in CHP, Luna said. “Taking only nine hours for the semester is very convenient for me,� said sophomore Reid Sherrod. “The option helps me balance working for paying my bills — which includes tuition — while earning my degree at the same time.� Luna said if every student decided to go part-time, the university would see a drop in revenue from tuition. “If you have more students coming in taking less credit hours, that is less revenue than you would have to administer the same services to a greater number of students,� he said.
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photo by JACKSON TOWNSEND I Student Photographer
Students walk to and from the Commons Building on the crowded sidewalk in front of Keller Hall’s Raburn Wing Tuesday afternoon. Enrollment increased 3 percent this semester causing an increased number of students on campus.
Five-year enrollment decline ends this fall ANNA BROWN
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For the first time in five years, UNA adds student enrollment to its list of recent developments on campus. After five consecutive years of enrollment decline, UNA has its highest number of enrolled students since 2011 with 7,078 students currently enrolled for the fall semester. Enrollment for fall 2011 was 7,182 students. Statistics from the Fall 2014 Semester Summary Report provided by the Department of Institutional Research, Planning and Assessment showed this year’s fall enrollment exceeded 7,000 students for the first time since 2012. Enrollment for fall 2012 was 7,053 students. “I don’t think this will be a one-time thing,� said Director of Institutional Research, Planning and Assessment Andrew Luna. “We had a lot of good elements put together that created an
INSIDE
this week’s paper
environment for this (increase). I’m looking forward to the day when we can start talking about reaching 8,000 and beyond.� He said President Kitts wanted this year’s enrollment to be above last year’s fall enrollment, which was 6,842 students. Additionally, UNA has the largest freshman cohort in its 185-year history with 1,159 first-time, full-time students currently enrolled. The fall 2014 freshman cohort contained 912 students. This indicates about a 25 percent increase in freshman students enrolled this year. “I’ve been in this business for decades and have never seen an increase in the freshman class of this magnitude,� said University President Kenneth Kitts in a university press release Friday. “We are thrilled to welcome these students to the UNA family.� The highest enrollment in UNA history was 7,323 students in fall 2007. The work of the university
NEWS . . . . . . . . 2A VIEWPOINTS . . . . 4A LIFE . . . . . . . . . 5A
as a whole lead to this increase in enrollment, Luna said. The admissions department improved their recruiting techniques this year, said Temporary Admissions Coordinator Kim Mauldin said.
�
IĘźM LOOKING FORWARD TO THE
DAY WHEN WE CAN START TALKING
ABOUT REACHING
8,000 AND BEYOND.
ANDREW LUNA
DIRECTOR, INSTITUTIONAL RESEARCH, PLANNING AND DEVELOPMENT
“We traveled more, and we covered a larger territory by going to schools in other states to talk about UNA,� she said in a previous article. Another key contributor to the increase in freshmen was
SPORTS . . . . . . . 7A SPECIAL . . . . . . . 1B EXTRA . . . . . . . . 8B
FROM THE ARCHIVES .......6A
Please recycle your paper.
2A News
Sept. 17, 2015 • The Flor-Ala
Facilities
Ribbon-cutting ceremony draws university, community leaders
photo courtesy of David Montgomery
University President Kenneth Kitts, surrounded by the board of trustees and university officials, cuts the ribbon to mark the grand opening of the Science and Technology Building next to Kilby Laboratory School. The grand opening ceremony was held Sept. 10 at 1 p.m.
JOHN ED DEARMAN Student Writer jdearman@una.edu
UNA held the official grand opening and ribbon cutting ceremony for the Science and Technology Building Sept. 10. The 160,000 square-foot building is the largest construction project in UNA’s history, said President Kenneth Kitts. Former UNA President William Cale spoke at the ceremony and reflected on how the plan for the building began. He said it all started with the students. “When I met with Student Government leaders in spring of 2005 to propose what is known as the facility fee, they quickly agreed,” he said. He said the university adopted the fee in June 2005. “The promise of this building behind me is what inspired our students to act,” he said. “And it’s that fee today which remains key to the success we’re here to celebrate.” All full-time students pay the facilities fee as part of their tuition each semester. The university charges the fee per credit hour. All revenue from the fee collections goes into the deferred maintenance budget for general repairs and improvement of the buildings on campus, said Vice President for Business and Financial Affairs Clinton Carter in an email. Cale said the building is a vital part of a larger goal for UNA. “Universities are first and foremost about teachers and learners, faculties and
students,” he said. “This building is a part of that. It is a precursor to the even greater excellence at UNA.” The board of trustees officially approved the $39.7 million building April 3, 2013, after collecting money from donors. Construction began May 6, 2013.
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niversities are first and foremost
about teachers and learners, faculties
and students. This building is a part of
that. It is a precursor to the even greater excellence at
building. “Your generosity has given not only myself, but the rest of the student body, and even the faculty and staff a wonderful environment to work and learn in,” she said. Florence Mayor Mickey Haddock spoke about the effect the Science Building had in getting students to come to UNA. “We attract them not only with great programs and great disciplines, but we attract them with state-of-the-art buildings,” he said. “This building is a large piece of the puzzle.”
Sophomore David Montgomery, who attended the ceremony, said this was his first time being at the Science Building and noted how well the ceremony went. “This is all so exciting,” he said. “We have such great support from the people of this community, and I know a lot of good opportunities will come for UNA.” SGA President Nick Lang said the grand opening was an important step for UNA. “This is a very special day for UNA,” he said. “This new science building means a lot for the future of this school.”
UNA.
William Cale
Former University President Senior Alex Kelley, representing the student body, spoke about what the building has done for the students. She spends most of her time in class in the new science building, she said. “Within this building lies all these opportunities, not only for me, but for all the other students,” she said. “Just think of what possible great things will come out of this building: discoveries, research and the kinds of people who will go on to be doctors or those who will come back to teach here.” She thanked the many people who helped during the development of the
photo courtesy of Shannon Wells
University officials, community leaders and students gathered Sept. 10 for the official grand opening and ribbon-cutting ceremony for the new Science and Technology Building. The 160,000 square-foot, $39.7 million building is the largest construction project in UNA’s history.
NEWS 3A
Sept. 17, 2015• The Flor-Ala
ACADEMICS
University scholarships assist study abroad students ANNA BROWN
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Studying abroad gives students the experience of another culture and valuable skills for the workplace, but do the benefits outweigh the cost? Director of the Center for Global Engagement and International Affairs Craig Christy said the cost to study abroad is comparable to the cost of studying at UNA for one semester. “Back in the day, it was hard to study abroad because of the cost,” Christy said. “Studying abroad was something only for the rich kids, but not today. Today, students come to us interested in studying abroad.” To help students offset the cost of the trip, Christy said UNA offers an $800 scholarship to students interested in studying abroad. The scholarship is available to all any student regardless of his or her financial situation, he said. He said the scholarship can be used for any part of the study abroad experience as the student sees fit. However, he said most students apply the scholarship to airfare, since that is usually the most expensive component of the trip. Junior Christie Steltmann, who studied in Peru last fall, said she used
one of these scholarships to help fund her trip. “The scholarships graciously awarded through UNA provided a strong leg-up,” she said. “Whatever expenses were needed throughout the travel and escapade while in Peru were spent toward the memories that will lie in our recollections, photo albums, taste buds and conversations.” As student involvement increases, Christy said he believes the university will set aside more money for study abroad scholarships. The scholarship helps, but the trips are still expensive, said Graduate student Kayla Kelley. “It is definitely hard to pay for it, but I just picked up an extra job and budgeted to make it work for me,” she said. Not only is living abroad an amazing experience, but it also teaches students important transferable skills in communication and problem-solving they can use in their careers, Christy said. He said he thinks the students’ experiences and stories create interest in studying abroad. He said he thinks wordof-mouth has helped push the study abroad program at UNA. Some UNA students have found employment while studying abroad, he said. Senior Dakota MacNeill said he taught English while studying
STUDY
ABROAD
INTEREST MEETING • • • •
”
YOU ARE YOUNG AND HAVE FEW RESPONSIBILITIES. ITʼS INCREDIBLE THE PEOPLE YOU MEET AND THE PLACES YOU GO (WHILE STUDYING ABROAD). ITʼS VERY AFFORDABLE AND EXTREMELY WORTH IT.
DAKOTA MACNEILL SENIOR international business in Vichy, France. “Teaching English really helped me get to know the culture and the local families,” he said. “This was my favorite experience abroad.” Students should take advantage of this opportunity to travel while in
MONDAY, SEPT. 21 3:30 P.M. WESLEYAN HALL RM. 312 CONTACT: DR. KEITH LINDLEY
college, he said. “You are young and have few responsibilities,” he said. “It’s incredible the people you meet and the places you go. It’s very affordable and extremely worth it.” The trip is worth the work required to save money and acquire a scholarship, said senior Alexandria Kelley. “There are wonderful people at this university that will do whatever they can to make this trip happen for you as long as you are willing to put in the work too,” she said. “It’s all worth the hard work and months of anticipation once you get where you’re going.”
16+:-);- KWV\QV]ML NZWU XIOM ) “The science building let them know that we are expanding and trying to improve our university,” Ball said. Freshman Zach Wynn said he thinks the new facilities got the attention of students from the Shoals area. “Many local students see UNA as an older, less-advanced university,” he said. “The new buildings made people wonder what’s going on at UNA.” UNA will see increases of enrollment as more people find out about the university and the benefits of coming to a smaller university, Luna said. The university held open enrollment this summer for returning students. This
gave returning students the chance to enroll for the fall earlier than previous years. Administration decided to not drop students until Sept. 10 to provide those students an incentive or “second chance” to pay for their classes, he said. Not only is enrollment up, but credit hour production — the number of hours or classes students take — increased by about 6 percent this fall, Luna said. See page 1A for more information about credit hour production.
+08 KWV\QV]ML NZWU XIOM ) “The tuition students pay goes into the education and general funding, which helps fund Information Technology Services, Health Services, Counseling, Student Affairs and more,” Carter said. Currently, the CHP is up more than the enrollment. The recent increased percentage in CHP comes in “no small part” from the increased number of freshmen on campus, Luna said. “The freshman class is up 24 percent,” he said. “Almost a 300-student increase in usual number of students living on campus.” About 25 percent of university revenue comes from the state, about 50 percent from tuition and another
estimated 25 percent through other means, Carter said. “Because the college has to increase tuition to meet budget, other students and I are in so much student loan debt,” said junior Danielle Richey. As state dollars decline, the university has to make it up through higher tuition, meal plans, room and board or other means, Carter said. “It’s really pathetic that the state has high expectations for our generation, yet force us to go millions in debt to reach those expectations, with a possibility of still not reaching it,” said junior Brittany Michael.
4A VIEWPOINTS
Sept. 17, 2015 • The Flor-Ala
Crisis resurfaces gun control debate
EDITOR-IN-CHIEF KALI DANIEL MANAGING EDITOR JASMINE FLEMING NEWS EDITOR ANNA BROWN LIFE EDITOR MELISSA PARKER SPORTS EDITOR MIKE EZEKIEL ASSOCIATE SPORTS EDITOR KADIN POUNDERS ONLINE EDITOR EMILY KAZUNGU BUSINESS MANAGER JORDAN BYRD GRAPHIC DESIGNERS PEYTON LAWLER MICHAEL MEIGS KELSEY WEATHERS CIRCULATION MANAGER ALAN KIMBREL CHIEF PHOTOGRAPHER KAITLIN DOUGLASS STAFF PHOTOGRAPHERS AMANDALYN DORNER KATLYN SHANNON SHAY REDD
KALI DANIEL
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Too often we hear the dreaded words, “Active shooter.” Too often they are followed by the words, “Gun regulations.” Monday, Sept. 14, at 11:44 a.m., an active shooter killed history professor Ethan Schmidt at Delta State University. I sat down while the university was still on lockdown to read Twitter and Facebook comments, hoping to send positive thoughts to those awaiting the attacker’s desist and their loved ones’ return.
Editorial Policy Content is determined by the student editorial staff of The Flor-Ala and has not been approved by the university.
NICK LANG
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The staff strives to maintain the integrity of The Flor-Ala through accurate and honest reporting. To report an error, call 256-765-4364 or email editor@florala. net.
Letters Policy Letters to the editor should be emailed to editor@florala.net or mailed to: The Flor-Ala UNA Box 5300 Florence, AL 35632 Letters must include name and telephone number for verification. Please limit letters to 400 words. The editor reserves the right to edit or refuse to publish a letter.
suicides. This sharply contrasts with a Gallup poll where more people attributed mass shootings to failure of the mental health system rather than ease of access to guns. A separate study by Duke University professor of psychiatry Jeffrey Swanson indicated the largest factors for mass shootings are a combination of unemployment, living in disadvantaged communities, drug and/ or alcohol use, “violent victimization” or being poor. “Guns (shouldn’t) be based on mental health, but on records of violent behavior — not just felonies, but also minor disputes,” he said. I am now inclined to agree. There unfortunately need to be regulations. Just as in elementary, middle and high school – and even occasionally in every day life – when one person fails to be responsible, the masses suffer.
I do not believe people with a history of violence should be permitted to buy firearms — of this, I am sure. But I also believe the weapons are not to blame — the people are. And I do not mean specifically the shooter. I mean all of us. The cliché “it takes a village to raise a child” is the key to solving gun control issues. Educate children about bullying, encourage their success and discourage drug and alcohol use. Engage them. And in terms of those feeds and comment threads I mentioned earlier, note there is a time and a place for the argument of gun control. It may be your living room, the kitchen table or a communityorganized workshop. I can tell you one place it is not: The live feeds of an active shooter situation while families and loved ones sit by in stunned silence.
Campus offers opportunities for student involvement
ADVISER SCOTT MORRIS
Corrections
Instead, I saw anger — and not at the attacker, but at the government, the state and the guns themselves. I have never been an advocate for guns. I was raised in a home where weapons were not allowed, and hunting was not part of our southern heritage. I do, however, understand the importance of the Second Amendment and the right to bear arms. I respect our founding fathers wanted us to protect ourselves, but the question is, at what cost? I was always under the impression the bigger issue facing mass shootings was related to mental health. I was wrong. In a sample of mass murders, psychiatrist J. Reid Meloy found half of shooters had been bullied, half had a history of violence and the vast majority did not face mental health issues. Of the gun violence involving mass shootings, the majority were
Even though we have only been in classes for a little under a month, I can already tell this year is going to be a special year for the UNA student body. As you may know, the university has never had a freshman class as large as the current one. We now have 1,173 first-time college
students enrolled at UNA, with an outstanding total of 7,078 students. With this many students on campus, your Student Government Association knows how important it is to provide you with the events and programming that will ultimately give you the best college experience possible. The University Program Council has been working hard to make this year a memorable year full of fun and excitement. As a senior in college, I can remember the events that I have attended throughout my college career. I met different students, made memories and got a lot of free T-shirts. Some of the events UPC has put together for the upcoming months are:
•
Sept. 21 — Movie Monday, presenting “Inside Out” at 7 p.m. in the GUC Banquet Hall. • Sept. 26 — SGA Football Tailgate and Luke Christopher Concert, directly after the game on Spirit Quad. • Sept. 29 — International Movie Night, presenting “Amelie” at 7 p.m. in the GUC Performance Center. • Oct. 2 — Step Show in Flowers Hall at 6 p.m. Also, don’t forget Homecoming is right around the corner. This year’s Homecoming theme is, “Lion Gras: Party like the King.”
Homecoming is a tradition at UNA, and it is a great time to get involved with the activities that come with Homecoming week. Also, be sure to come to the second annual Homecoming Bonfire. This year, we will have a pep rally and concert featuring Logan Brill. We are excited about the year to come, and want your input. If you have any ideas to better this university, please submit your thoughts to the SGA Mane Idea Campaign on OrgSync.com. I am excited for a successful year full of traditions, school spirit and memories that will last a lifetime. I look forward to sharing this experience with my UNA Family.
CONGRATULATIONS TO NTERESTED IN WRITING OUR WRITER AND JOIN OUR WEEKLY WRITERSʼ MEETINGS SUNDAYS AT 4 P.M. PHOTOGRAPHER IN THE STUDENT PUBLICATIONS OFFICE OF THE WEEK!
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WILLINGHAM HALL 643 N. WOOD AVE.
BEHIND
Christopher Parker and Amandalyn Dorner
LIFE 5A
Sept. 17, 2015 • The Flor-Ala
FACILITIES
Editor tracks, struggles with steps across campus ANNA BROWN
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photo by KATLYN SHANNON I Staff Photographer
Students walk down stairs in the Commons. News Editor Anna Brown found a total of 1,978 outside of the buildings at UNA.
While current students and alumni think fondly of crisp October afternoons and sunny spring mornings, there is one thing no student will forget about UNA: the steps. I will never forget the spring semester of my freshman year when I had Earth Science 131 on the top floor of Floyd Hall and History 102 on the top floor of Bibb Graves Hall. I did not trust the elevator in Floyd and there was not an elevator inside Bibb Graves. Needless to say, I lost the freshman 15 instead of gaining it. Each time I set foot on the final step, I took a moment to stop and compose myself before walking into class. Huffing and puffing like a dying polar bear is not the way to make a good impression. In an effort to prove the magnitude of the number of steps, I decided one September afternoon to jog across campus and set foot on every single step on the outside. I did not count any of the steps inside the buildings — only those exposed to the weather.
According to my calculations, there are 1,978 steps on UNA’s campus. This number includes all the steps from the new dorms, around Flowers Hall and up to Rogers Hall. I found the most difficult staircase on campus was at Floyd Hall. There are no classes in the upper level of Floyd, but the building has long been a part of UNA’s history. Each winged staircase in Floyd contains 71 steps. If students have a class on the top level of Floyd, they will have walked 142 steps just to get to and from class. If you do not live on campus or never had a reason to visit the west side of campus, you missed another doozy of a staircase. There are over 400 steps just on that side of circular road. Most of those steps are attributed to Flowers Hall and Rice and Rivers residence halls. I have a new-found respect for students who live on campus. I salute you, my friends. These step struggles are nothing new for UNA students or The Flor-Ala. Student writer Ann Hammond wrote a similar article documenting her mutual feelings about the stairs on campus.
ST IRS ARCHIVES
Student suggests stairs here to promote exercise ANN HAMMOND
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From Oct. 11, 1978 At 10:55 I seated myself in a classroom to wait for my 11 a.m. Western Civ. class to begin. I was perspiring slightly, gasping for breath, fighting mild waves of nausea and fervently wishing my heart would stop pounding so hard. I was not suffering from pre-exam panic, love or influenza. My physical problems all stemmed from my class being located in room 306 of Bibb Graves Hall, and climbing the steps in Bibb Graves requires lots of stamina. I was a freshman, and just one of many things I was lacking was stamina. All I had the strength to do was to wonder why the UNA campus had so many steps. One full year of college education did not enlighten me enough to enable me to answer my question about the steps. Instead, more questions arose, and maybe I asked them a little more intelligently. Why, I wondered, with almost unlimited space available back then, were such buildings as Keller and O’Neal
Halls not built on a single level? Surely the early administrators were not blessed with such foresight that they knew they must reserve space for the Student Union Building. Gradually, education began to expand my mind (or so I hoped). And gradually, almost imperceptibly, something else began to happen. I often reached the second or third floor of a building breathing normally. I began to run up steps and developed a rhythmic jog coming down them. By the beginning of my senior year, I found that I actually enjoyed step-climbing. It wasn’t masochistic enjoyment either. It was more like the “thrill of victory.” Slowly “one step at a time,” I began to understand. In their ancient and infinite wisdom, UNA’s founding fathers had foreseen this would be “where students come first.” Their all-knowing minds perceived students who spend most of their time bent over books or slumped in desks tend to neglect physical exercise. So by providing a way to exercise en route to classes, these benevolent souls contrived to keep us healthy—even if it kills us.
The Flor-Ala file photo
A student climbs the stairs at Bibb Graves Hall in 1978. Stairs were a daily struggle, even 37 years ago.
6A LIFE
Sept. 17, 2015 • The Flor-Ala
FINANCE
Students, officials address dealing with college loan debt
The cost of attending school is something many college student worry about. Studies say 70 percent of college graduates left school with student loan debt averaging $33,000 in 2014, according to Debt.org. This debt rose from $260 billion in 2004 to $1.2 trillion in 2014. I SEE CREDIT CARDS AS TOOLS. YOU CAN Ben Baker, temporary recruiting and scholarship coordinator, said one reason USE A HAMMER TO BUILD A HOUSE OR USE IT TO for the skyrocketing loan debt students BREAK A WINDOW. CREDIT CARDS ARE JUST THERE. are facing is the cost of education increasing significantly over the past 25 - 30 years. ATTHEW AN RMER “That has caused students and parents to borrow money,” he said. DIRECTOR OF FINANCIAL LITERACY “Many, many years ago students and parents may have had that money or the institution the student was attending might have provided assistance.” when calculating the cost of student Families are also less prepared debt, according to Debt.org. financially now than they were 25 years The site considers credit cards as ago, Baker said. an additional source of debt separate “I guess they’re spending their from loans. money on other things that are for the “Credit card debt is worse,” said moment rather than putting away money sophomore Mackenzie Borden. “It’s for college,” he said. “We used to have because student loans help you the PACT program. It was a college work toward getting an education, savings plan administered by the state which will help you make more of Alabama. The idea was that when a money in the future. Credit cards, student began college in Alabama the for the most part, are being used to plan would pay the cost of tuition at that buy material things.” college.” Director of Financial Literacy The program was discontinued, he Matthew Van Ormer said credit cards said. are great for an emergency and can help America, as a whole, is saving less build a person’s credit score. “I see credit cards as tools,” he said. money, and students are spending loan “You can use a hammer to build a house money to support other activities and or use it to break a window. Credit cards expenses such as cars, laptops or tablets, are just there. You can use them wisely he said. and make them work for you or you can Senior Bradley Raburn said he allow them to wreck you.” thinks the rising debt is because of the No matter where the students’ debt importance placed on attending college. comes from, it has to be paid off. “I say it’s because of how society “The student needs to be in views people today,” he said. “Nowadays, contact with the lender,” Baker said. when you graduate, people don’t ask if “The repayment plans are generally you’re going to college. They ask what very generous, meaning they allow college you’re going to. Some people a considerable amount of time with can’t afford it or maybe they need more
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reasonable payments.” When it comes to credit cards, Ormer recommends students start off small and spend responsibly to avoid going too deeply into debt. “I would advise people not to get a high limit on their cards,” Ormer said. “If you’re going to get a card, get a $500 limit, something small. Don’t buy anything that you can’t already pay cash for unless it’s an emergency and you don’t have the cash for it.” Raburn said it is better to pay more than the minimum each month so students are not only paying off the interest, but also the principal amount. Sophomore Rosie McClendon said students should not worry about taking out student loans. “A lot of people are in debt and have dealt with (student loan debt),” she said. “It’s big numbers now, but you’ll be making big numbers in the future. You’ll have plenty of time to pay it off, so don’t worry.”
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help, so they take out those loans and it just starts piling up.” Baker said while loans lead to debt, they are usually the last option for students if they do not qualify for a scholarship or Federal Pell Grant. The hope is these loans will help students get a college degree. Student loans are the main focus
$260 billion
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SPORTS 7A
Sept. 17, 2015 • The Flor-Ala
PROFILE
SCOREBOARD SEPT. 11-13
COLUMBIA CONNECTION
High school teammates continue friendship Sept. 11 Soccer vs. Nova Southeastern 3-1 Win UNA Volleyball Classic (Day 1) Volleyball vs. Kentucky Wesleyan 3-0 Win Volleyball vs. Montevallo 3-0 Win
Sept. 12 Football vs. Mississippi College 34-17 Win UNA Volleyball Classic (Day 2) Volleyball vs. Southern Wesleyan 3-1 Win Volleyball vs. Quincy 3-1 Win
Sept. 13 Soccer at Palm Beach Atlantic 3-1 Win
UPCOMING Soccer Sept. 17 vs. Alabama-Huntsville Sept. 20 vs. Lee University Sept. 23 at Shorter University
Volleyball Sept. 18 vs. Shorter University Sept. 19 vs. Lee University
Football BYE WEEK Sept. 26 vs. Florida Tech
Golf
Sept. 21-22 Cougar Invitational (Columbus State University in Georgia) Games continued at roarlions.com
photo by AMANDALYN DORNER I Staff Photographer
UNA wide receivers Dre Hall (left) and Eric Belew pose for a picture during a practice in preparation for their game against Mississippi College Sept. 12. The Lions will play their next game Sept. 26 against the Florida Institute of Technology at Braly Stadium.
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When two teammates have great chemistry on the field, it increases the chances for a victory. Two UNA wide receivers, senior Ericc re Belew and sophomore Dre Hall, were teammates at Columbia Central High igh School. “I really like when I know someone meone across the field from me,” Hall said. “I can look across the field and see Eric out there with me. It feels like we aree back in high school, and that’s really good.” Hall, who is younger than Belew, signed with UNA in 2013. Hall reached out to Belew, who transferred to UNA from Tennessee Tech University the following spring semester. “Dre was huge in getting me here,” Belew said. “Besides (quarterback) Jacob Tucker, Dre was the only person I knew here, and they were my two plugs to get involved and get my name in the coaches offices.” UNA wide receiver coach Steadman Campbell, who recruited both players, said having Belew and Hall on the field at the same time makes a huge impact. “You can tell that they have a certain instinct with each other,” Campbell said. “All of the wide outs and quarterbacks have become really close, but those two seem to really be on the same page.”
Both players said they have played sports together since youth league, which helped Belew’s and Hall’s families build a strong relationship.
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OU CAN TELL THAT THEY HAVE A CCERTAIN ERTAIN IINSTINCT NSTINCT W WITH ITH EAC EACH OTHER. ALL OOFF TTHE HE W WIDEOUTS IDEOUTS AAND ND QQUARTERBACKS UARTERBACKS HAVE BBECOME ECOME RREALLY EALLY CCLOSE LOSE, BBUT UT TTHOSE HOSE TWO SSEEM EEM TTOO RREALLY EALLY BBEE OONN TTHE HE SSAME AME PPAGE AGE.
STTEADMAN EADMAN CAAMPBELL MPBELLL UUNA NA WIIDE DE REECEIVERS CEIVERS COOACH ACH Belew’s father coached both th players throughout their high school football tball career, while Hall’s father coached them in Little League basketball. “We’ve been a close-knit family for a while,” Belew said. “My dad and his dad are both characters and have always gotten along.” Belew and Hall have a strong friendship, which has been made stronger by tragedy. Belew’s and Hall’s high school teammate Dylan Rebeor died from terminal cancer Dec. 3, 2010. He died at 3 a.m. on the day of their state
championship game. “What he did for our team and our community was unreal,” Belew said. “He was granted (money) by the Make-AWish Foundation, and instead of getting himself a truck or going on a big trip, he donated uniforms to our team. He wanted us to have good uniforms, and that was completely selfless.” Hall said he recalls being more determined than ever the day of the state championship game, where Columbia c Central Centra beat Hendersonville 28-7. “We were locked into that game,” w Hall said. said “We really thought Dylan was going g ing to go t get to be there with us. To hear he away hurt us.” he passed pas ESPN reporter Tom Renaldi E interviewed Belew and his father for the inte feature “Dylan’s Gift.” 2015 marks the fe fifth year Russell Athletics will present the “Fight Like Dylan” award. “He is one of the toughest kids I’ve ever met,” Belew said. “He handled cancer the way a tough kid should. He may have passed away, but he beat cancer. I don’t care what anyone says.” Both players said not only did the tragedy bring the team closer, but it also brought Belew and Hall closer. “As a team, we were really close and culturally diverse,” Belew said. “Me and Dre got closer, but as a whole, we’re all brothers for life. We both know there are plenty of those guys we could call and they would come at the drop of a hat.”
8A SPORTS
Sept. 17, 2015 • The Flor-Ala
SOCCER
Lions prepare for two upcoming conference rivalries 9/20
9/17 KADIN POUNDERS
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The Lions soccer team is off to an impressive start this season, winning their last three matches after settling for a draw in the season opener. Each of UNA’s first four games were against tough opponents – three of those on the road – but now the Lions are getting into the part of the schedule that matters most: conference games. “I have been really pleased with how the team has started off so far this season,” said head coach Chris Walker. “We have played a really challenging schedule, and to go into conference undefeated is a big boost to the girls ‘confidence. The girls have done a great job of playing as a complete team. “It is still early in the season, and the new players and returning players are starting to get used to how each other play. That will hopefully only make them strong over time.” Junior midfielder Ele Costello said she believes the team has found its rhythm. “Our first game against McKendree was a bit of a shaky start,” Costello said. “Our confidence wasn’t there, and we were panicking on the ball rather than playing to our strengths, which are staying calm and keeping possession.
Our first conference game is huge for us. We want to not only begin a (winning streak), but also want to send a message out to other opposing teams.” The first of the two opening conference games this week will be against rival UAH Chargers Sept. 17. “UAH (is) the closest school to UNA. I think this creates a bit of a rivalry no matter what sport it’s concerning,” Costello said. “We like to approach the game like we would any other conference game and focus on getting the result we want.” Last season the Lions kicked off conference play, beating the Chargers 3-1 in Huntsville. Facing a team picked to finish eighth in the GSC, UNA is hoping for a repeat performance and to take its first step toward a conference championship. “It is super important to us to start off our conference play on a good note,” said junior defender Susan Lang. “We made it to the (GSC) final last year. We will want to go one better this year and win the final. It all starts with our rival game against UAH.” The Lions will face the Lee Flames at home Sunday. Lee, who became eligible for postseason play this season, beat UNA 2-0 last year. For the Lions, the match against Lee will prove as a measuring stick to see how good the team is this season. The
Flames are the preseason favorites in the conference, making this game a potential GSC championship preview. “A win against anyone in the GSC is always good, but Lee will definitely be one of the teams to beat this year,” Walker said. “They were the number one pick and have some fantastic players. We are expecting there to be two great games of soccer this week.” Facing Lee and beating them would leverage some momentum UNA’s way. “They beat us last year, and we played poorly against them,” Lang said. “It will be good for us to come out and show them how we can actually play. To beat Lee would be great for us and boost our confidence.” The Lions are usually favored to win their games, but Costello said she and her teammates feel being the underdog allows them to play loose. “The fact that they have been predicted to finish first in the conference this season places us in a good position for hosting them here at UNA,” she said. “It’s not always a bad thing being the underdog (because) the pressure is off us and on them.” Two big conference wins this week would likely land UNA at the top of the GSC standings and be a big confidence booster moving forward. “Our team confidence is high right now, as we are building on last year’s
success and the good start to this year,” Walker said. “We have got off to a strong start to the season and we really want to continue that into conference play. It is important to come out and play to the best of our ability.” UNA will face UAH Thursday night and then take on Lee Sunday night. Both games are scheduled to kick-off at 7 p.m.
GSC PRESEASON POLL 1. LEE UNIVERSITY 2. WEST FLORIDA 3. NORTH ALABAMA 4. VALDOSTA STATE 5. CHRISTIAN BROTHERS 6. WEST ALABAMA 7. UNION UNIVERSITY 8. ALABAMA-HUNTSVILLE 9. SHORTER 10. WEST GEORGIA 11. DELTA STATE
VOLLEYBALL
Team finishes undefeated in Flowers Hall tournament KADIN POUNDERS
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The volleyball team hosted the UNA Volleyball Classic at Flowers Hall Sept. 11-12. The Lions finished undefeated through four tournament games. Five teams — UNA, Kentucky Wesleyan, Southern Wesleyan, Quincy University and Montevallo University — competed in the two-day round robin event. For the Lions, it was their first taste of action at home after playing their four previous matches at the Tony Banner Invitational in Pennsylvania. “It was fun playing at home in front of our fans (this weekend),” said junior outside hitter Natasha Fomina. “It was great to get to play and get a feel for how our season is going to go and to show our fans how good we’re going to be this year.” UNA started the weekend against the Kentucky Wesleyan Panthers. The Lions were able to knock off the Panthers in straight sets, but head coach Stephanie
Radecki said her team’s home debut performance was not quite up to par. “I didn’t like a whole lot that I saw in the first match,” she said. “I thought we played pretty sloppy. I mean, we won and we executed some things — which is good — but, it was probably the worst match we’ve played so far.” Attributing “the jitters” to their opening performance, the Lions cleaned up their game and were able to defeat the Montevallo Falcons 3-0 in Friday’s nightcap game. “I think we adjusted well to what Montevallo was giving us,” Radecki said. “They were throwing some tips at our defense. Andrea (De Leon) and Sarah Ann Tillery made some great plays for us.” De Leon finished with 158 assists in the Classic while Tillery had 29 digs. The Lions returned again Saturday afternoon to take on the Southern Wesleyan Warriors. The Lions defeated the Warriors 3-1 with help from Fomina, Jessica Austin, Lexie Bradley and Victoria Quintanilla. Each finished with double-digit kills,
led by Fomina, with 56 for the weekend. “Offensively, I still think we’re extremely diverse right now, which is nice,” Radecki said. “We’re running a lot of different stuff, a lot of different people, and it’s someone different that’s putting the ball away all the time.”
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OFFENSIVELY, I STILL THINK WEʼRE EXTREMELY DIVERSE RIGHT NOW, WHICH IS NICE. WEʼRE RUNNING A LOT OF DIFFERENT STUFF, A LOT OF DIFFERENT PEOPLE, AND ITʼS SOMEONE DIFFERENT PUTTING THE BALL AWAY ALL THE TIME.
STEPHANIE RADECKI HEAD COACH
The final match of the Classic was the toughest and most exciting match for UNA. Despite taking a 2-0 set lead over Quincy to start the match, the Hawks fought back in the third set to win 25-23 and force a fourth set. “In volleyball, one of the hardest
things to do is to stop a team that has momentum,” Fomina said. “When the other team has momentum and you’re down, it’s hard not to hang your head, but for us not to back down in that situation proves how close we are.” Quincy had momentum leading the set 14-8 before a well-placed timeout and a kill by Bradley set UNA’s own comeback in motion. A kill by junior Peyton Lang gave UNA an 18-17 lead, and the Lions never surrendered it. Undefeated in the UNA Volleyball Classic, the Lions improved their record to 6-2. After falling in their first two matches of the season, UNA has won six straight and has plenty of momentum heading into conference play. “I think the first game of the season we were kind of nervous,” Fomina said. “It was our first time playing in our starting lineup against someone else and against a good team. I think, after winning six straight and the four here at home, it gives us a lot more confidence playing conference (games) next week.” The Lions next game will be Sept. 18 against the Shorter Hawks.
MONEY
SECTION B
Sept. 17, 2015• The Flor-Ala
The Money Issue
2B MONEY
Sept. 17, 2015 • The Flor-Ala
FINANCE
Local banks help students establish good credit habits
photo by KAITLIN DOUGLASS I Chief Photographer
Freshman Penghaquin Bao uses a credit card in the GUC. “I usually start people off with a $500 credit card if they have no credit,” said Matthew Van Ormer, director of financial literacy. “That’s a small amount. It’s not so much that it’ll get you over your head.”
ANNA BROWN
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About 167 million Americans are credit card holders, according to statistics from the 2014 Census Bureau. Additionally, seven in 10 2013 college graduates used student loans to pay for school. However, some students do not use loans or credit to pay for school. These students often cannot get a department store credit card or a gas card to start building credit. Director of Financial Literacy Matthew Van Ormer said, “no credit is worse than bad credit” is the biggest myth surrounding credit. “I look at credit like relationships,” Ormer said. “Are you going to be more likely to date someone who’s cheated on you or someone who you have no
experience with? The person with no experience is the person I would trust first.” He said students can start building credit as long as they have a job and some way to prove their income, such as a bank statement or check stub. “It doesn’t matter how good your credit is, if you don’t have a source of income, how are you going to pay your loan or card back?” he said. Ormer said there are two ways students can build credit: bank credit cards and personal loans.
Credit Cards Ormer said bank credit cards are a great way to start building credit. He said he encourages students to start with a low-limit credit card if they have no credit history. He said credit cards are not bad, but
people’s spending habits can be. “Sometimes people don’t know how they’ll handle something until it’s given to them,” he said.
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IT DOESNʼT MATTER HOW GOOD YOUR CREDIT IS, IF YOU DONʼT HAVE A SOURCE OF INCOME, HOW ARE YOU GOING TO PAY YOUR LOAN OR CARD BACK?
MATTHEW VAN ORMER
DIRECTOR OF FINANCIAL LITERACY
For this reason, he said he encourages students to start with a low-limit credit card to help them adjust to paying the card back. “I usually start people off with a $500
credit card if they have no credit,” he said. “That’s a small amount. It’s not so much that it’ll get you over your head.” He said he would consult a local bank or credit union, rather than a national company or bank, to get started with a low-limit credit card. Most local banks have credit cards geared toward students or young people with no credit. “Typically, the people you talk to (at a national bank) don’t make the decisions when it comes to cards and loans,” he said. “A processing center evaluates it and sends it back. At a local bank or credit union, you’re more likely to talk to somebody who will make the decision and base it on more than just your credit.” One benefit of credit cards is if the balance of the card is paid every month, the borrower does not have to pay interest, he said.
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INVESTMENT
Young investors discuss benefits of joining stock market EMILY KAZUNGU
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Early investing, of even small amounts, can yield profitable results.
An investment is an asset or item that is purchased with the hope that it will generate income or appreciate in the future, a definition according to investopedia. Finance Professor Kristen Van
photo by JACKSON TOWNSEND I Volunteer Photographer
Postgraduate student Jake Harrington checks stocks and investments. “If you are in school and working, I would recommend you start learning more about investing so that you are prepared to make important financial decisions in the future,” said Finance Professor Kristen Van Rensselaer.
Rensselaer encourages students to invest because they do not know when they may need the money in the future. “People save for a variety of financial goals such as down payment for a home, retirement or children’s college education,” Rensselaer said. Rensselaer said students might not have enormous amounts of money in their account. She said it is important to start investing with the little they earn. The money will eventually add up and they can use it in case of an emergency, she said. “If you are in school and working, I would recommend you start learning more about investing, borrowing and personal finance so that you are prepared to make important financial decisions in the future,” she said. Having an emergency savings account is essential so that students do not rely on loans, she said. “If a student is just starting to think about investing, (having an emergency savings account) is where they need to start,” Rensselaer said. “Banks are
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YOU HAVE TO FIND A COMPANY OR SERVICE THAT DOES STOCKING. YOU CAN START BY GOING TO A BANK THAT HAS MUTUAL FUNDS.
JAKE HARRINGTON
POSTGRADUATE STUDENT making the process of building savings even easier. Most banks offer a program where every transaction on a debit card is rounded up so that you keep the change.” Postgraduate student Jake Harrington recently joined the stock market. He is investing with tradeking.com, an online market. ‘I had a big interest in stock market,” Harrington said. “I wanted to grow my own money instead of just watching (other people invest).”
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MONEY 3B e l l
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Sept. 17, 2015 â&#x20AC;˘ The Flor-Ala
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WELCOME BACK TO SCHOOL! find out more: Cross Point Church of Christ, 1350 Cox Creek Pkwy Florence, AL 35633 UNA _ Campus Cross Point Campus UNA _ Campus campus@crosspointcoc.org World Bible School http://bit.ly/1IQj1Mx
4B MONEY
Sept. p 17,, 2015 â&#x20AC;˘ The Flor-Ala
FEESS
$1,455 6 meals/wk + $750 Dining Dollars)
$120 ($10/hr)
$6,802 Information compiled by Managing Editor Jasmine Fleming
MONEY 5B
Sept. 17, 2015• The Flor-Ala
CHARITY
Making ¢hange
photo by JACKSON TOWNSEND I Student Photographer
Leftover change collects dust in old jars. Executive Director of Safeplace Rachel Hackworth said she believes all members of society giving a little change for donation can impact those in need. “People will come and (donate) their change,” she said. “We use those funds to actually change people’s lives.”
Neglected currency suitable for community support MELISSA PARKER 4QNM -LQ\WZ TQNM(NTWZITI VM\
Those pennies, nickels, dimes and quarters rolling around beneath the car seats may not seem like much, but they could make a big difference to someone in need. Jo Wood, president of Florence’s St. Vincent de Paul, said 100 percent of the financial donations the charity receives goes to the community. Services help clients pay for rent, utilities, doctor visits and medicine, she said. “We see an average of 24 families a week for various things,” she said. “That’s a drop in the bucket for the needs in the community.” Wood said they like to include the client in the process. “We’ll tell a client, ‘We can help you with the last $100, but if the bill is $300 or $400 you’re going to need more help than just from us,’” she said. Help with utilities is the biggest concern clients come to them with, she said. “We want to prevent homelessness,” Wood said. People donating half of their change every month would make an impact over time, she said. Sophomore Ragen Darby said she thinks donating change could make a
substantial difference. “Think about when you go through fast food places and you get your change back,” she said. “That money could change something.” Executive Director of Safeplace Rachel Hackworth said she believes all members of society giving a little makes an impact. “When everybody comes together with what change they have, what a difference they can make,” she said. Safeplace serves 3,600 to 3,800 people in six counties every year and offers services such as a safe shelter, 24-hour help line, housing stability services, prevention education at schools and court-ordered violence intervention programs, she said. “Safeplace is the comprehensive domestic violence program,” she said. Safeplace started a program called “Pave the Way for Change” last year, she said, and $15,000 was raised just from collecting change. Jars are put out at local businesses and are also available for individuals to pick up, she said. People can put their change in the jar and turn it in to Safeplace on a designated date. “That money goes to support the services for victims of domestic violence in Safeplace’s six-county service areas,” she said. One of the six counties hosts the event at one of their fall festivals each year, she
said. Last year, Russellville’s Watermelon Festival hosted the event. This year it will be at Red Bay’s Founder’s Day Festival Sept. 19. The organization will cover an intersection at the event with a tarp and set a goal to fill the entire area with change, she said.
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THINK ABOUT WHEN YOU GO THROUGH
FAST FOOD PLACES AND YOU GET YOUR CHANGE BACK. THAT MONEY COULD CHANGE SOMETHING.
RAGEN DARBY SOPHOMORE “People will come and throw their change, sometimes they throw their dollars into the tarp,” she said. “We use those funds to actually change people’s lives.” Hackworth said when people come together and give what they can, even if they do not feel they have a lot of money to give, it can make a difference. “It’s incredible that you could do that with the change in your pocket,” she said. Junior Kelsey Davis said she thinks giving the change normally spent on a
newspaper or a cup of coffee could make a difference. “I don’t do that with my change, but maybe I should,” she said. “I leave it in my car or it gets lost in my purse. If I was intentional with it, I could put it in a jar, save it up and give it to something more useful.” Junior Antonio Newsome said he does not discriminate between coins and dollar bills. “Quarters, nickels, dimes, pennies ... Money is money,” he said. “I save up money all of the time. I have two piggy banks in the house and one in the car.” Newsome said he considers donating his spare change to help a local charity. Senior Kira Barrow said she uses her spare change to help people who have served in the military. “I tend to (donate) to local veterans,” she said. “I will save my change in a cup, I live in Huntsville, so I’ll go to wherever the local veterans are and donate my change. Anything helps.” Senior Trey Abernathy said spare change can be hard to come by, considering many people uses a debit card rather than cash, but would use his spare change to donate if he had some. “People use debit cards now, so there may not be as much change,” he said. “As far as people using cash, there would be quite a bit (of spare change).” Abernathy said any amount of change would be useful for a select cause.
6B MONEY
Sept. 17, 2015 • The Flor-Ala
DEALS
Florence restaurants offer discounts with mane card Sbarro 301 Cox Creek Pkwy. Suite 1218 (in the Florence Mall) 10 percent discount
Pizza Hut Homeside Restaurant 3711 Cloverdale Rd. 10 percent discount
859 Cox Creek Pkwy Large one-topping pizza at a discounted $7.99 (pick-up orders only)
Jack’s 3201 Cloverdale Rd. 10 percent discount
CiCi’s Pizza 157 S. Cox Creek Pkwy. Discounted $7.58 buffet (including drink)
Burger Depot 907 Florence Blvd. 10 percent discount
Shoney’s 2615 Florence Blvd. 10 percent discount
Legends Steakhouse 201 N. Seminary St. 15 percent discount and daily UNA specials
Information compiled by Managing Editor Jasmine Fleming
MONEY 7B
Sept. 17, 2015 • The Flor-Ala
MAN ON THE STREET
How do you stretch your paycheck and save money?
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I ORGANIZE MINE IN AN ENVELOPE SYSTEM. I HAVE ALL OF MY BILLS IN SEPARATE ENVELOPES, LIKE THE DAVE RAMSEY WAY.
MARISSA COLEY
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I TAKE A PERCENTAGE OUT OF MY CHECK TO PUT IN SAVINGS SO I CAN BUILD MONEY UP AND NOT SPEND IT ON CRAZY THINGS.
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I TRY TO PUT ASIDE 10 PERCENT FROM EACH CHECK FOR MY SAVINGS SO I CAN HAVE A LITTLE BIT OF MONEY TO PLAY WITH.
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I TRY TO PUT AT LEAST $100 INTO SAVINGS FROM EACH CHECK AND THE REST INTO CHECKING.
I HAVE A LISTERHILL ACCOUNT, AND ONLINE I USE THE BUDGETING SYSTEM PROVIDED BY THEM.
JALEESA ESCOTT SENIOR
KABRINA ISABELLE JUNIOR
SOPHOMORE
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”
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DANNI DONG SENIOR
IF I LEAVE WORK WITH $100-$150, I TAKE $50 OF THAT AND PUT IT IN MY BANKING ACCOUNT. THE REST I PIECEMEAL FOR BILLS.
I DIVIDE THE REST UP FOR GAS AND OTHER THINGS AND THEN HAVE SPENDING MONEY.
NATE AUSTILL
JABREE CHATMAN
DAYTON TENNEY
JUNIOR
I TRY TO PUT THE MAJORITY OF IT AWAY.
JUNIOR
FRESHMAN
photos by AMANDALYN DORNER I Staff Photographer quotes gathered by SPENCER BROOKS I Student Writer
+:-,1< KWV\QV]ML NZWU XIOM * Senior Brittany Leach said she got a credit card to build good credit. “You have to be really careful with a credit card,” she said.
Loans With seven in 10 college graduates already using student loans to pay for school, loans are another way students can build credit. However, students are not required to start paying loans until they graduate, Ormer said. He said a student loan does generate a credit score for students still in college, but banks usually do not consider that score accurate if the student has not made a payment yet. If a student does not have a student loan or has not started paying on their student loans, they can build credit through a cash-secured loan. Borrowers borrow from a bank and put an amount equal to the loan up as collateral the bank can take if they fail to pay the loan. “These loans don’t deal with credit scores at all since the borrower puts up money as collateral,” he said. “This type of loan is best for people with bad credit or no credit.” Unlike credit cards, loans do collect interest, no matter what time the loan
is paid, he said. Typically, students do not have to pay on their loans until after graduation or it they drop out of school, he said. “Stay on top of those loan payments,” he said. “I’ve seen so many students let their loans go. They think they can just worry about it later. All of those late or missed payments will trash your credit score.” If a student graduates and cannot find full-time employment immediately, Ormer said he or she should talk to the loan provider about adjusting the payment amount or deferring the loan for several months. “Deferment is never ideal, but it’s better to defer the loan than to let it be lain,” he said.
CREDIT BUILDING CHECKLIST Save bank statements Track spending Pay on time
16>-;<16/ KWV\QV]ML NZWU XIOM * Harrington said the market is not consistent and it can be unpredictable. “The market has kind of been up and down,” he said. “The Chinese market has been down but I’ve made a little bit of profit.” Harrington explained there are different ways to invest. For example, saving money in a savings account or putting money in a project. The only difference is one has more profit returns than the other. “In the long run, you’ll have more money,” he said. “It grows overtime. You have to be patient.” Harrington encouraged students to be up to date with the stock market and learn more about it. He also encouraged students to take finance and Tennessee Valley Authority (TVA) class, a class that teaches students how to invest and introduces them to the market while partaking the class at UNA. He said the classes have influenced him to learn how the stock market, time values (the idea that the money someone presently has would be worth more after investing) and money work. “You have to find a company or service that does stocking,” he said. “You can start by going to a bank that has mutual funds.”
Senior Ty Miller is a student investor. He is investing with TD Ameritrade, which he joined because of his father. His father also invests the company. “I’m a financial person,” Miller said. “I’m always looking for ways to get money.” Miller said he has had a few losses since he began a year or two ago but he has no regrets. The principal aim of investing is to make more money than what someone spends or the money investors put in a certain company, he said. Losses might be incurred if the company is not doing well. Miller has made a good amount of money. He has made more than he has lost, he said.
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PEOPLE SAVE FOR A VARIETY OF FINANCIAL GOALS SUCH AS DOWN PAYMENT FOR A HOME, RETIREMENT OR CHILDRENʼS COLLEGE EDUCATION.
KRISTEN VAN RENSSELAER
PROFESSOR OF FINANCE
8B EXTRA
SOCIAL MEDIA OF THE WEEK
Sept. 17, 2015 • The Flor-Ala