National Get Smart About Credit Day on the third Thursday in October annually promotes learning about good credit. It is a national campaign where volunteer bankers help counsel young people on responsible credit habits.

The importance of sound financial management is something that can and should be taught at a young age. Learning healthy credit habits can be one of the most valuable lessons a young person can learn. 

What Affects Credit Scores
  • Amount of debt you carry – –  Paying off the amount you charge to your credit cards each month helps to improve this amount.  Showing that you are reducing debt each month gradually increases your score over time.
  • Age of credit history – –  The older your credit history (and the longer it is in good standing) shows a trend toward reliable financial standing.
  • Reports to collections agencies –  – Any inaccurate reporting to a credit agency needs to be reported immediately.  The sooner you resolve an inaccuracy, the quicker your credit report can be corrected.  Obtain a letter from the collection agency once you have been able to confirm the error and submit it to all the credit reporting agencies.
  • Late payments –  – Any time make a late payment, especially on a credit card or loan, this will be reflected on your credit report. Pay early, pay on time.  If you use your online banking system to make payments, remember to review your banks turn-around-time for payments.  Take their delays into account and schedule accordingly to avoid any late payments.
  • The number of hard inquiries for credit – –  If you are considering a loan for a car or house, each inquiry will be registered on your credit report.  When your credit is in good standing, it doesn’t have a big impact.
  • The number of accounts – –   Opening and closing accounts can have an impact on your credit score. Depending on the number of accounts, the impact on your score could be huge.

HOW TO OBSERVE #GetSmartAboutCreditDay

Make sure you are smart about credit and use #GetSmartAboutCreditDay to post on social media.


In 2003, the American Bankers Association (ABA) Education Foundation originated this National Day.

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NATIONAL MULLIGAN DAY – October – 17National Mulligan Day is observed annually on October 17.    

According to the United StIn golf, a mulligan happens when a player gets a second chance to perform a specific move or action. The day offers an opportunity for giving yourself a second chance or, as some people call it, a “do-over.” 

  According to the United States Golf  Association (USGA), three different stories explain the origin of the term. The first derives from the name of a Canadian golfer, David Mulligan, a one-time manager of the Waldorf Astoria Hotel in New York City, who played golf in the 1920s.  A different, later, etymology gives credit to John A. “Buddy” Mulligan, a locker room attendant at Essex Fells C.C., New Jersey, in the 1930s.  Another story, according to author Henry Beard, states that the term comes from Thomas Mulligan, a minor Anglo-Irish aristocrat and a passionate golfer who was born in 1793.

According to the USGA, the term first achieved widespread use in the 1940s.

HOW TO OBSERVE #NationalMulliganDay

We can all think of something that at one point in time, we have said, “I wish I could do that over.”  Celebrate the day by taking your do-over. Also, be considerate and offer a Mulligan to a few friends and neighbors out there. Some days we all deserve it. Use #NationalMulliganDay to post on social media.


C. Daniel Rhodes of Hoover, AL, National Mulligan Day as a way to give everyone a day to have a fresh start.  Along with Mulligan Day, Rhodes created Brother’s Day (May 24) and National Garage Sale Day (Second Saturday in August).

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“Pumpkin Ginger Cupcakes”


Lisa Lewis

“Delicious, light and fluffy! These taste of Fall, and the crystallized ginger gives then a lovely little zing. Even people who don’t like pumpkin love these cupcakes. These disappear as fast as I can set them out!”


  1. Preheat an oven to 350 degrees F (175 degrees C). Grease 24 muffin cups, or line with paper muffin liners. Whisk together the flour, pudding mix, baking soda, salt, cinnamon, ground ginger, allspice, cloves, and crystallized ginger in a bowl; set aside.
  2. Beat the butter, white sugar, and brown sugar with an electric mixer in a large bowl until light and fluffy. The mixture should be noticeably lighter in color. Add the eggs one at a time, allowing each egg to blend into the butter mixture before adding the next. Beat in the vanilla and pumpkin puree with the last egg. Stir in the flour mixture, mixing until just incorporated. Pour the batter into the prepared muffin cups.
  3. Bake in the preheated oven until golden and the tops spring back when lightly pressed, about 20 minutes. Cool in the pans for 10 minutes before removing to cool completely on a wire rack.

These cupcakes are rich with pumpkin and spices and are moist and delicious.

  • Partner Tip
  • Reynolds® Aluminum foil can be used to keep food moist, cook it evenly, and make clean-up easier

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National Dessert Day - October 14


People around the country indulge every October 14th on National Dessert Day!  Celebrated by way of the local bakery, grandma’s house or chocolate shop, desserts include candies, pies, ice cream, fruits, cookies, pastries, cobblers, and donuts, too. 

The available ingredients affect the range of desserts made in each region. The very first desserts required minimal effort or preparation since ancient cultures were more focused on the nutrition in foods to survive. Over the years, desserts have changed from natural candies and nuts to complex soufflés and multi-layered cakes. In modern culture, there are many more options available in desserts.

Seize the moment. Remember all those women on the Titanic who waved off the dessert cart. ~ Erma Bombeck

Throughout the year, we see seasonal delights. As we near the holiday season, the flavors change. For some, the taste of gingerbread or fruitcake may come to mind. Others will pull out recipes handed down for generations. Pecan, pumpkin and apple pies come to mind. Other rich desserts round out the dessert table, too. Flan, tarts and everything with maple glaze.

HOW TO OBSERVE #NationalDessertDay

Go out to a dessert shop or restaurant and indulge in a sweet treat or try one of these delicious recipes. Post photos on social media using #NationalDessertDay.

Pumpkin Ginger Cupcakes
Apple Pie by Grandma Ople
Chocolate Mint Cookies
Hot Fudge Ice Cream Bar
Uncooked Banana Pudding
Lemon Cake

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On the third Tuesday of October every year, students give up their voice for Pro-Life Day of Silent Solidarity.  

Representing the 3,000 voices taken by abortion every day, these students chose to take a vow of silence. The movement suggests wearing a red armband representing your participation in the day. Others may wear red duct tape across their mouths. No matter how participants demonstrate their participation the day, a vow of silence represents those who’ve been silenced forever through abortion. 

HOW TO OBSERVE #ProLifeDayOfSilentSolidarity

Those who participate are encouraged to plan ahead for their day of silence by preparing cards explaining their silence. Use #ProLifeDayOfSilentSolidarity to post on social media.


Bryan Kemper founded Pro-Life Day of Silent Solidarity in 2004. Students For Life promotes the day.

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“Thanks for the Tulip Plant” – “HELP WANTED”

See if you can suggest the next step, to taking care of this Tulip plant – as I have never had an indoor  Tulip Plant before – and I may have lost my “Green” thumb!Just because I am from Missouri – where some of us think that –  we know it all – and I may have presented that idea to everyone- a long time ago – but with age, some of us start to forget – a thing or two – and some of the stuff we forget – is our good sense of knowing it all!

Having said  that – just want to know what the next step is in  place  for the survival of the “Tulip Plant” as it is getting near  to the Winter Season and the blooms on the plant are reaching for for the STARS – and will,  for sure be in need of something – and that is why, as you can see, that  I am wondering – what in the world is the next step for me to take?

This is view two – just gave the PLANT a turn to the right. Sometimes you do have see all sides of a situation – just to get  a “Hankering” idea of what something really looks  like?

Sometimes when I am  writing and thinking of the words to say –  “those words”  –  that I  have an idea –  might mean,  what I think that they should,  at this point in time – – just some “old word” that I may have heard,  a hundred years ago – just gets into my fingers and gets type in – and even spelled it correctly – Just to be sure – I had to check it out  -that old “Hankering” of what I want to do , and more than likely will do – just as soon as these old bones, start to cooperate!

So with two views of the “TULIP PLANT”  – if anyone has  had success with having such a plant indoors from year to year, without having to do some outside planting – and  the digging and planting of bulbs – I sure would like to know  – all the ideas of what you have done and the results, before it gets too late this year – for the proper care of this beautiful PLANT!

Let me know your ideas – maybe we can do LUNCH – my treat  – and at my place – then you can have a hands-on – showing me what a real live “Green-thumb”  looks like at work!    D.V.

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