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the sixth most costly con-
dition in the country, ac-
cording to Georgetown
University, creating a $12
billion strain on the U.S.
Fernández Paulino thinks
that Gen Zers like Karanikos
have the right idea. “Money
Why Gen Zers are
prioritizing travel
Build a sinking fund
Pain
Travel
When Karanikos trav-
It may be hard to under- is just a tool to support your eled in college, she’d work
stand how people can spend wellness,” she says. “Becom- extra shifts beforehand, but
money on travel expenses ing debt-free is part of your still found herself using debt
when they’re already in the financial self-care. Traveling and paying it off after the
red with debt. But Karan- is a form of interpersonal trip. Now, she’s adopted the
FROM PAGE 1
FROM PAGE 1
How one Gen Zer is
managing debt
trol group, and a longer av- each year. Walking can
erage period before they cheapen the financial blow
had a recurrence, with a by reducing doctor visits
median of 208 days com- and time away from work.
When it comes to bal- ikos’s motivation to travel self-care, emotionalself-care, practice of building a sinking
ancing fun with financial is about more than just get- some might even say spiri- fund. Three months before a
pared to 112 days,” Mac-
“It not only improved
quarie professor and se- people’s quality of life, but
nior study author Mark it reduced their need both
Hancock said in a news to seek health care sup-
savviness, Karanikos is no ting that Instagram-worthy tual self-care.”
stranger to the challenge. photo.
trip, she starts setting money
aside so she can travel with-
out growing her debt. While
she still swipes her credit
card on travel expenses to
What sets younger
generations apart?
She’s doing her best to man-
age both while keeping an ents and parents are immi-
eye on the big picture. grants from both Greece and
Karanikos has only been Australia. She explains that,
Karanikos’s grandpar-
release.
port and the amount of
The Atlanta-based Cen- time taken off work by ap-
ters for Disease Control proximately half,” postdoc-
and Prevention reported toral fellow and lead study
39% of U.S. adults in 2019 author Dr. Natasha Pocovi
had back pain. While just said in the news release.
When it comes to the earn points, “I try to make
out of college for a few years, while growing up, her fam- spending discrepancy be- sure the savings are there be-
and she’s staring down years ily was trying to make their tween younger and older fore I spend,” she says.
— or even decades — of debt way in a new environment. Americans, here are some
repayment. Of her six-figure They often prioritized sac- possible factors to keep in you could open a free high-
debt, the majority is from rifice over fun. But now, as mind: yield savings account that
student loans. She also car- a young adult, Karanikos • Young people aren’t lets you earn a competitive
To follow her example,
under 65 million Ameri-
“The exercise-based in-
cans experience it in some terventions to prevent
form today (800 million back pain that have been
worldwide), 8% of U.S. explored previously are
adults (16 million) suffer typically group-based and
from chronic back pain, need close clinical supervi-
ries about $5,000 in credit doesn’t want to miss out on as likely to be already bur- APY while still accessing
card debt and about $3,000 anything. And she wants to dened by debt. According to your money when you need
in a car lease.
Karanikos began accru- where she can give experi- while in debt survey, Gen tain amount of money each
ing credit card debt in the ences back to her family. Z (24%) and millennials month, you’ll have cash to
months that passed after “I think my immigrant (32%) are less likely to typi- spend when your trip rolls
college graduation, but be- backstory is a main moti- cally carry a credit card bal- around.
reach a financial standpoint Bankrate’s chasing rewards it. By setting aside a cer-
as well.
sion and expensive equip-
“We don’t know exactly ment, so they are much less
why walking is so good for accessible to the majority
preventing back pain, but of patients. Our study has
it is likely to include the shown that this effective
combination of gentle os- and accessible means of
cillatory movements, load- exercise has the potential
ing and strengthening the to be successfully imple-
spinal structures and mus- mented on a much larger
cles, relaxation and stress scale than other forms of
relief, and the release of exercise.”
fore she landed her full-time vator,” she says. In fact, she ance from month to month
job. Now, she’s prioritizing names travel and experi- than Gen X (39%) or boom- penses can also help you to
growing her emergency fund ences with friends and fam- ers (38%).
Cutting back on your ex-
build your sinking fund. For
without adding to her debt. ily as the two most import-
That’s because Karanikos is ant things in her life.
• Young people haven’t instance, you might spend
carried debt for as long. In less on takeout or new out-
moving to New York City in
It’s also worth considering a November 2023 Bankrate fits in order to enjoy the local
a few months, and wants to the years that young people survey on credit card us- cuisine and shopping in your
have plenty of cash in her largely missed during the age, 22% of both Gen X and travel destination later on.
‘feel-good’ endorphins,”
he added.
©2024 The Atlanta
back pocket.
pandemic. Karanikos says boomer credit card debtors
Earn extra income
Fernández Paulino says
It’s an often debilitat- Journal-Constitution.
ing condition that is also Visit at ajc.com.
“I definitely think of [my she and some of her peers had carried credit card debt
debt] every day,” she says. But (around ages 24 to 26) feel for five years or more, com-
costing Americans a tidy Distributed by Tribune
sum. Lower back pain is Content Agency, LLC.
by keeping aneye on her debt like they lost out on their op- pared to 8% of Gen Z and that paying for travel starts
with a payoff plan in place, portunity to be young, travel 13% of millennials. with understanding your
she feels empowered to make and not worry about money. • Young people maximize cash flow. “You need to know
smart money decisions. She Now, they’re making up for rewards. Gen Z (77%) and your numbers,” she says. And
also pursues side hustles to lost time. millennial (74%) cardhold- rather than only cutting ex-
help pay off her debt. “Logistically, my debt will ers are more likely to make penses to increase your cash
And even though Kara- not be gone in the next year every or some effort to max- flow, Fernández Paulino ad-
nikos recently got a salary or two years,” Karanikos imize credit card rewards vocates finding ways to earn
raise, she’s trying to keep her says. “I don’t want to put [ex- than Gen X (69%) or boom- more money.
NOTICE OF PUBLIC HEARING
Department of State
Driver Licensing
costs steady. In her words, periences] aside and finally ers (69%).
she doesn’t want to fall vic- be able to live my life when • Young people are less ents] increase their income,”
tim to lifestyle inflation. I hit 30 or 35 and have that worried about their finances she says. “There’s no limit to
“I work on having [my cli-
Administrative Rules for Visual
Standards For Motor Vehicle
Driver’s Licenses
regret.”
this year. In a November how much we can increase
2023 Bankrate study, Gen Z our income.”
(59%) and millennials (49%)
She recommends listing
NOTICE OF ELECTION
CITY OF FARMINGTON HILLS
were significantly more op- out your skills and joining
timistic about their per- the nearly two in five Ameri-
sonal financial situation in cans with a side hustle (39%).
2024 than Gen X (33%) or You could tap into LinkedIn
boomers (20%). Karanikos or your network for high-
says that “I feel quite opti- er-paying job opportunities.
mistic [about my personal Or you could monetize some-
finances], maybe due to the thing you own, like renting
Rule Set 2023-55 ST
AUGUST 6, 2024 STATE PRIMARY ELECTION
NOTICE OF PUBLIC HEARING
Wednesday, Aug. 7, 2024
9:00 a.m.
TO THE QUALIFIED ELECTORS OF THE CITY OF FARMINGTON
HILLS, COUNTY OF OAKLAND:
NOTICE IS HEREBY GIVEN that
a State Primary Election will
be held in the City of Farmington Hills, County of Oakland on
Tuesday, August 6, 2024.
EARLY VOTING SITES FOR THE CITY OF FARMINGTON HILLS
ELECTORS ARE:
Costick Activities Center
28600 W. 11 Mile Rd
Farmington Hills, MI 48336
fact that I have a plan.”
out a room in your house.
Operations Center 1st Floor Conference
Rooms A, B and C
7285 Parsons Drive, Charlotte, MI 48821
• Young people want to
present a certain lifestyle.
Karanikos explains that
her peers tend to compare
themselves to others on so-
cial media, even though help you earn points or miles
they might be earning dif- tocover your nextflight or ho-
ferent incomes. “I think the tel room. Plus, many travel re-
majority of Gen Z is put- wards cards let you earn ex-
ting [travel expenses] onto tra rewards when you book
Tap into credit card
rewards
AND
A rewards credit card can
Waterford Oaks Activities Center
2800 Watkins Lake Rd
Waterford, MI 48328
e Department of State will hold
a public hearing to receive public
comments on proposed changes to the
Visual Standards For Motor Vehicle
Driver’s Licenses rule set.
EARLY VOTING WILL BE HELD:
Saturday, July 27
Sunday, July 28
Monday, July 29
Tuesday, July 30
Wednesday, July 31
Thursday, August 1
Friday, August 2
Saturday, August 3
Sunday, August 4
8:30am - 4:30pm
8:30am - 4:30pm
8:30am - 4:30pm
8:30am - 4:30pm
8:30am - 4:30pm
12:00pm - 8:00pm
8:30am - 4:30pm
8:30am - 4:30pm
8:30am - 4:30pm
credit cards,” she says.
travel through the card issu-
er’s portal.
Karanikos uses the Chase
Sapphire Preferred® Card
and Capital One Venture Re-
Travel without
breaking the bank
e proposed rules formally establish
a standard for restricted driving
privilege eligibility when using bioptic
or telescopic lens. e rules ensure that
individuals who use bioptic or telescopic
lens meet a reasonable standard to be
eligible for restricted driving privileges.
e rules also ensure the standard
cannot be changed without a
Are you itching to travel wards Credit Card to earn
this year but have a tight pointsand miles that she puts
budget? Here’s how Gen toward flights. By earning
Zers like Karanikos are while making everyday pur-
spending smarter while chases, you could knock sev-
ELECTION DAY VOTING:
Tuesday, August 6, the polls will be open from 7:00am to 8:00pm on
Election Day at the following locations:
*Precinct 1 - Woodside Bible Church (*New Location)
Precinct 2 - Orchard United Methodist Church
Precinct 3 - Forest Elementary School
Precinct 4 - Faith Covenant Church
Precinct 5 - Ward Church of Farmington Hills
Precinct 6 - Ward Church of Farmington Hills
Precinct 7 - Hope Lutheran Church
Precinct 8 - North Congregational Church
Precinct 9 - Farmington STEAM Academy
*Precinct 10 - See below for temporary location
*Precinct 11 - See below for temporary location
Precinct 12 - Woodcreek Elementary School
Precinct 13 - William Costick Activities Center
Precinct 14 - First Presbyterian Church
Precinct 15 - St. Toma Syriac Church
Precinct 16 - Hillside Elementary School
Precinct 17 - St. Toma Syriac Church
Precinct 18 - East Middle School
traveling.
eral hundred dollars off the
price tag on your next trip.
NOTICE OF REGISTRATION
FOR THE ELECTION TO BE HELD ON
TUESDAY, AUGUST 6, 2024
CITY OF BLOOMFIELD HILLS, MICHIGAN
formal process.
TO THE QUALIFIED ELECTORS OF CITY OF BLOOMFIELD HILLS:
PLEASE TAKE NOTICE that any qualified elector of the CITY OF
BLOOMFIELD HILLS who is not already registered, may register to vote
at the office of the City Clerk; the office of the County Clerk; a Secretary
of State branch office, or other designated state agency. Registration
Clerk. Voters who are already registered may update their registration at
By authority conferred upon the
Secretary of State by Section 309 of
Act No. 300 of Public Acts of 1949, as
amended, being Section 257.309 of the
Michigan Compiled Laws.
Precinct 19 - East Middle School
Precinct 20 - Salvation Army Community Center
Precinct 21 - Lanigan Elementary School
Precinct 22 - St. John Lutheran Church
Precinct 23 - St. John Lutheran Church
Precinct 24 - Power Middle School
The last day to register in any manner other than in-person with the local
clerk is Monday, July 22, 2024.
Precinct 25 - Gill Elementary School
Precinct 26 - Tawheed Center
Precinct 27 - Greater Seth Temple
After this date, anyone who qualifies as an elector may register to vote
in person with proof of residency (MCL 168.492) at the City of Bloomfield
Hills Clerk’s office, located at 45 East Long Lake Road, Bloomfield Hills,
MI 48304 at the following times:
e proposed rules will take effect
immediately afer filing with the
Secretary of State. e proposed rules
are published on the State of Michigan’s
website at www.michigan.gov/ARD
and in the 6/1/2024 issue of the
Michigan Register. Copies of these
proposed rules may also be obtained
by mail or electronic mail at the
following email address:
*TEMPORARY POLLING LOCATION CHANGES FOR THE AUGUST
6, 2024 ELECTION
Due to construction taking place at various polling locations within
Farmington Hills, the following voting precincts will be temporarily
relocated for the August 6, 2024, State Primary Election only:
• Regular business hours: Monday - Friday from 8:30 a.m. to 4:30 p.m.
• Saturday, August 3rd from 8:00 a.m. to 4:00 p.m.
• Election Day, Tuesday August 6th from 7 a.m. to 8 p.m.
For the purpose of electing candidates of all participating political parties
for the following offices:
PRECINCT CURRENT LOCATION
Precinct 10 Kenbrook Elementary School
32130 Bonnet Hill Road
TEMPORARY LOCATION
Prince of Peace Lutheran Church
28000 New Market Road
Congressional United States Senator and Representative in Congress
Legislative
County
Representative in State Legislature
Precinct 11 Farmington Central High School Woodcreek Elementary School
30175 Highmeadow Road 28400 Harwich Drive
County Executive, Prosecuting Attorney, Sheriff,
County Clerk, County Treasurer, Water Resources
Commissioner, County Commissioner
Judge of Circuit Court
PLEASE TAKE NOTICE that the Election will be conducted in all voting
precincts (1-27) of the City of Farmington Hills for the purpose of electing
candidates to the following offices:
Judicial
Delegate
PLEASE TAKE NOTICE that the Bloomfield Hills School District will be
voting on the following millage proposal as presented and listed below:
Congressional:
➣ United States Senator
➣ Representative in Congress (11th District)
Legislative:
BLOOMFIELD HILLS SCHOOLS – OPERATING MILLAGE RENEWAL
PROPOSAL:
➣ Representative in State Legislature (18th, 19th and 21st Districts)
County:
This proposal would renew the authority of the School District, which
expires with the 2025 tax levy, to levy up to 18.00 mills for general school
district operating purposes on taxable property in the School District to
the extent that such property is not exempt from such levy, restrict the levy
on principal residences (owner-occupied homes) to no more than 9.65
mills and protect against the impact of future Headlee rollbacks of up to
4.0 mills, This authorization would allow the School District to continue
to levy the statutory limit of 18.00 mills on non-homestead property
(principally industrial and commercial real property and residential rental
property) and to continue to levy on principal residence property (owner
occupied homes) only that portion of the mills necessary to allow the
School District to receive the full revenue per pupil foundation allowance
permitted by the State. The School District estimates that it will levy not
more than 5.1338 mills on personal residences (owner occupied homes)
in 2024.
Comments on these proposed rules may
be made at the hearing, by mail or by
electronic mail at the following addresses
until 7/24/2024 at 11:59 p.m.:
➣ County Executive
➣ Prosecuting Attorney
➣ Sheriff
➣ Clerk and Register of Deeds
➣ Treasurer
➣ Water Resources Commissioner
➣ County Commissioner (15th and 16th Districts)
Judicial:
➣ Judge of Circuit Court (6th Circuit)
Delegate to County Convention
Michigan Department of State
Attention: Driver Assessment Section
(Manager)
P.O. Box 30810, Lansing, MI 48909-9832
obtained from the City of Farmington Hills Clerk’s Office, 31555 W. 11 Mile
Road, Farmington Hills, MI 48336, phone (248) 871-2410.
Absent voter ballots are available for all elections; registered voters may
contact the City Clerk’s Office to obtain an application for an absent
voter ballot.
Shall the limitation on the amount of taxes which may be imposed on
taxable property in the Bloomfield Hills Schools, County of Oakland,
Michigan, be increased in the amount of 22 mills, with 18 mills being
the maximum allowable levy ($18.00 per $1,000 of taxable value), to
the extent such property is not statutorily exempt, and of which not more
than 9.65 mills may be imposed on principal residences, for twenty (20)
years, the years 2026 to 2045, inclusive, to provide funds for operating
expenses of the School District? This operating millage, if approved
and levied, would provide estimated revenues to the School District
of $18,300,000 during the 2026 calendar year, to be used for general
operating purposes.
The Farmington Hills City Clerk’s Office is open Monday through Friday
from 8:30am to 4:30pm and will offer extended hours for election related
business on the following dates:
e public hearing will be conducted
in compliance with the Americans with
Disabilities Act of 1990. If the hearing is
held at a physical location, the building
will be accessible with handicap parking
available. Anyone needing assistance to
take part in the hearing due to a disability
maycal
l517-335-7051tomakearrangements.
•
•
•
Tuesday, July 30th from 8:30am to 7:00pm
Thursday, August 1st from 8:30am to 7:00pm
Saturday, August 3rd from 8:30am to 4:30pm
To comply with the Help America Vote Act (HAVA), voting instructions
will be available in audio format and in Braille. Arrangements for
obtaining the instructions in these alternative formats can be made by
contacting the City Clerk in advance of the Election. All polling locations
are accessible for voters with disabilities.
Full text of the ballot proposals may be obtained at the City of Bloomfield
Hills Clerk’s office, 45 East Long Lake Road, Bloomfield Hills, MI
48304, telephone: (248) 644/1520. A sample ballot may be viewed at
CARLY LINDAHL, CITY CLERK
Persons with disabilities needing accommodations should contact the
clerk’s office.
Published: July 7, 2024
31555 West Eleven Mile Road
Farmington Hills, MI 48336
Phone: 248.871-2410
Amy Burton
City Clerk
Dated: June 17, 2024
Publish: July 8, 2024
Hours: Mon-Fri, 8:30am to 4:30pm
