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Thursday, April 4, 2019 - 11:30am
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Hemp, Inc. CEO Bruce Perlowin Featured in Forbes Discussing Tobacco Farmers Who are Turning to Industrial Hemp

SPRING HOPE, NC, April 02, 2019 (GLOBE NEWSWIRE) -- via NEWMEDIAWIRE – Hemp, Inc. (OTC PINK: HEMP), a global leader in the industrial hemp industry with bi-coastal processing centers including the 85,000 square-foot multipurpose industrial hemp processing facility in Spring Hope, North Carolina, a state of the art processing center in Medford, Oregon, and a 500-acre hemp growing Eco-Village in Golden Valley, Arizona, announced today that CEO, Bruce Perlowin, was interviewed by Forbes to discuss the trend of farmers who once grew tobacco switching to hemp.

The Forbes article covers various topics relating to the passing of the Farm Bill 2018 and what the legislation means for farmers across the United States. It also discusses how many of the tobacco farming industry workers are turning to hemp as it is seen as the new cash crop.
In regard to tobacco farmers joining The Hemp Revolution, Perlowin is quoted in the article saying, "All the old North Carolina tobacco drying barns can, and are being converted to do that [...] Because in North Carolina, tobacco is no longer king, hemp is king."

The article also mentions Hemp, Inc. strategic partners’ utilization of repurposed tobacco farming equipment that is utilized to plant hemp and clones in rows that are 12 wide and can cover 10 acres in 45 minutes.

As mentioned in the article, the global industrial hemp market is expected to be worth more than $10 billion dollars by 2025. Various states across the country have been working to sign bills to legalize the cultivation of hemp in the perspective states after federal legalization last year. In Oregon, where it has been legal to grow hemp since 2015, industrial hemp is expected to be worth more than $1 billion.  

Recently, Hemp, Inc. completed the first west coast Hemp University in Oregon, which helped educate attendees about the various opportunities that have become available for Southern Oregon residents and farmers. The all-day educational seminar also brought
like-minded people together to discuss and learn from experts in the trade.
With the exceptional response to the first Hemp University, Hemp, Inc. has announced the second set of educational seminars in Oregon. This event is titled “Pre-Planting Support Workshop”, and is scheduled for May 4, 2019. This educational seminar will be hosted prior to Oregon’s hemp planting season and is designed to educate attendees on planting, feminized seeds, clones, soil amendments, organic fertilizers and more. Vendors at this workshop will have most of these items on sale (if suppliers haven’t sold out by then) just in time for the 2019 planting season.

The second Hemp University seminars are intended to educate farmers, entrepreneurs or investors on how to grow a lucrative cash crop. For those interested in attending, presenting or showcasing at The Hemp University in May, please contact Sophia Blanton at hempu@hempinc.com.

To see short videos of The Hemp University educational seminar held this past weekend, go to Bruce Perlowin’s Facebook page starting with the March 23rd post and those following that date.
To see a full list of presenters and to purchase tickets, visit The Hemp University website.
To see 1-minute videos of Hemp, Inc.’s current activities, go to Bruce Perlowin’s personal Facebook page where he posts daily on all of Hemp, Inc.’s activities around the country.

WHAT IS HEMP, INC.?
What is Hemp, Inc.? With a deep-rooted social and environmental mission at its core, Hemp, Inc. seeks to build a business constituency for the American small farmer, the American veteran, and other groups experiencing the ever-increasing disparity between tapering income and soaring expenses. As a leader in the industrial hemp industry with ownership of the largest commercial multi-purpose industrial hemp processing facility in North America, Hemp, Inc. believes there can be tangible benefits reaped from adhering to a corporate social responsibility plan.

ABOUT DIGIPATH and HEMP, INC.’S JOINT VENTURE
Digipath, Inc. (DIGP) supports the cannabis and hemp industry’s best practices for reliable testing, data acquisition, cannabis education and training, and brings unbiased cannabis news coverage to the cannabis industry. Digipath Labs provides pharmaceutical-grade analysis and testing to the cannabis and hemp industry to ensure producers, consumers, and patients know exactly what is in the cannabis and hemp they ingest and to help maximize the quality of its client’s products through analysis, research, development, and standardization. Digipath, Inc. and Hemp, Inc. has entered into an agreement for Digipath to install a state of the art testing lab in all of Hemp, Inc.’s locations starting with the Medford, Oregon Local Processing Center.  The second one will be installed at their hemp processing facility in Spring Hope, NC and the third one at the hemp grow-off in Golden Valley, Arizona. CEO Todd Denkin is also scheduled to speak at the upcoming Hemp University seminar.

HEMP, INC.’S DIVISIONS
Hemp, Inc. has been helping to build the industrial hemp infrastructure that was basically non-existent in America. There are nine divisions:

Division One – The Industrial Hemp Infrastructure
Division Two – The Hemp Farming Infrastructure
Division Three – The Hemp Extraction Infrastructure
Division Four – The Hemp Educational Infrastructure
Division Five – The Hemp Marketing Infrastructure
Division Six – Accessories, Products and Services
Division Seven – Research and Development
Division Eight – Industrial Hemp Investments and Joint Ventures
Division Nine – Industrial Hemp Consulting

Hemp, Inc. recently established the eighth division (Industrial Hemp Investments and Joint Ventures).  Since the passing of the hemp bill, Hemp, Inc. has been flooded with inquiries of people who want to invest in the hemp industry but don’t know where to start. As the avant guard of the industrial hemp industry, Hemp, Inc. has put together numerous joint venture investment opportunities for the medium to large-scale investor. Those who are interested should email ir@hempinc.com.

Hemp, Inc.’s Industrial Hemp and Medical Marijuana Consulting Company (IHMMCC) was recently restructured as its ninth division and is now “Division Nine - Industrial Hemp Consulting”.  With an influx of public companies wanting to expand into the industrial hemp industry, Hemp, Inc. has been inundated with potential consulting agreements. To keep up, Hemp, Inc. revamped its consulting division to work hands-on with each company to provide its years of expertise. According to Perlowin, there is definitely a sense of “Community of Companies” whereby a lot of companies are working together to pool their resources, marketing connections and strategies in order to grow simultaneously.

Typically, companies seeking in depth consulting services from Hemp, Inc. pay mostly in stock since cash flow is oftentimes tight during the developmental stage of start-up companies in this industry. Through Hemp, Inc.’s Division Nine – Industrial Hemp Consulting, a wide range of services are forged from the experiences of creating the first publicly trading company in the cannabis sector (Medical Marijuana, Inc.) and having well over a decade of experience in the cannabis industry’s public sector. Perlowin, Hemp, Inc.’s chief executive officer also has over five decades in the industry itself.

ABOUT LOCAL PROCESSING CENTER INC.
Hemp, Inc. entered into a majority ownership agreement with JNV Farms LLC for the hemp cultivation and processing company in Medford, Oregon.  As the majority owner of the, now fully functional, hemp cultivation and processing company, Local Processing Center, Inc. (LPC), Hemp, Inc. will be able to create a pipeline of industrial hemp and hemp products in states, where legal, on the West Coast. This makes Hemp, Inc. a bi-coastal hemp processing center in America with many more Hemp Local Processing Centers planned for other areas where Hemp is being grown.  Thus far, the company has created over 200 jobs in its LPC and also helped create even more jobs for the local farmer.  “A to Z” services for the farmers are available – from harvesting to drying, bagging, curing, storing, nitrogen sparging, machine trimming, hand trimming, extracting, testing (with the on-site Digipath Labs) and selling; creating a “one stop shop” for the small to large family farm. Daily updates on LPC can be found on Bruce Perlowin’s personal Facebook page.

DAILY UPDATES ON FACEBOOK
Hemp, Inc. strives to be one of the most transparent companies in the public sector. To adhere to this company policy of transparency, CEO Bruce Perlowin posts 1-minute video updates daily on his personal Facebook page to give an inside look and behind-the-scenes footage of what Hemp, Inc. is doing on a daily basis. “We want them to know how the company is performing and what it is doing to reach its goals,” says Perlowin. To see 1 minute videos of everything Hemp, Inc.’s current activities, go to Bruce Perlowin’s personal Facebook page where he posts daily on all the activity Hemp, Inc. is doing around the country. (No other public company has this level of transparency than Hemp, Inc.)

THE UPCOMING DOCUSERIES
Hemp, Inc. entered into an agreement with 2 Manifest Studio, LLC, a Wyoming, Limited Liability Company (VED), to create a documentary and subsequent docuseries over the course of an estimated five years.  Per the terms of the agreement, VED will create a feature length film and corresponding docuseries and other video materials about the history of hemp with a strong focus on Hemp, Inc. and other pioneers and companies that are leaders in the modern-day history of industrial hemp. The content will be wholly-owned by Hemp, Inc. 2 Manifest Studio Director Joseph Trivigno and his team have been tracking Hemp, Inc.’s progress, as executives meet with farmers throughout the country to document the company’s expansion into new markets.  The documentary is expected to be released by 2020. The docuseries is expected to follow the film’s release. The film crew will also capture hemp developments in markets around the globe.

VETERAN VILLAGE KINS COMMUNITIES
The company’s 500-acre strategic growing partner Veteran Village Kins Community in Golden Valley, Arizona, is also designed to grow hemp and produce CBD products to benefit veterans as well as generate revenue for Hemp, Inc., the Veteran Village and individual veterans living in the community. Hemp, Inc. executives are also continuing to scout new locations nationwide to open additional hemp processing centers in legal markets.

For a more complete description on the Veteran Village Kins Community (as mentioned above), read the following October 24, 2017 press release, “Hemp, Inc. Announces Strategic Hemp Growing Partner ‘Veteran Village Kins Community Arizona, Inc.’ Completes Final Site Plan Blueprints”, below:

Hemp, Inc. has announced that its strategic growing partner, “Veteran Village Kins Community Arizona, Inc.”, has completed its final site plan blueprints for its 500-acre site in Golden Valley, Arizona (20 miles north of Kingman, AZ and 90 minutes from Las Vegas, NV). The site plan was submitted to the Mohave County Building Department for final review. The Company is also in the final stages of completing the necessary infrastructure to support an off-grid, renewable, energy system. With the solar equipment in place, the site’s solar power operation will be completed in the next days.

As soon as the live streaming video cameras are up and operational, the world can actually see the way the Veteran Village Kins Community is designed and watch it being built. According to Perlowin, the basic framework or overall plan of the Veteran Village Kins Communities is to create a holistic healing and learning center that is designed to educate and heal veterans with PTSD, alcoholism, meth addiction, opioid addiction, and other psychological conditions while at the same time training them on the numerous aspects of being part of the emerging multi-billion dollar hemp industry.

We will also be building hemp-growing communities for other groups such as “Abused” Women & Children Village Kins Communities, the “Orphaned” Children Village Kins Communities, “Homeless” Village Kins Communities, and the “Healers” Village Kins Communities (the healers are professionals who are knowledgeable in the modalities to treat these traumatized groups). These particular communities are all synergistically aligned to work simultaneously supporting each other.

For example, the “Healers” heal the traumatized veterans and women & children; the women support orphan children, and orphan children want to see people living in homes and not homeless. Thus, a portion of the hemp grown in each community goes to create and support another community, giving everybody a sense of giving back and helping others as they help themselves. This circles back to the healers who also work to heal the veterans and the other traumatized groups. This is the economic foundation on how the sale of the hemp products operates as a “quantum economic matrix” or an example of “symbiotic economics” which is more complex than this brief description allows.

Dwight Jory, the Project Manager for the “Veteran Village Kins Community Arizona, Inc.”, said, “We are very happy with the progress. Our Kins Community is really beginning to come together.” In anticipation of planting to begin during the spring, 300 acres have been fenced, 16 overnight trailer park sites are under construction, and six 40×40-ft organic vegetable gardens have been planted and are currently producing food and kenaf, according to Jory. These organic gardens double as experimental growing modules using an entire array of different growing technologies to see which modalities grow the best in a desert environment. As for the 6 geodesic domes mentioned in an earlier press release, 1 is structurally complete with only the electrical and plumbing to be completed. The rest are on site awaiting final site plan approval.
“We are now accepting volunteers who have expressed an interest in helping to build the first Kins Community for our veterans,” said Jory. Those interested in making the first hemp growing CBD-producing “Veteran Village Kins Community” become a reality should contact Ms. Sandra Williams via email (swilliams@hempinc.com).

One thousand trees, on 36 of the 500-acres, have also been planted, with an additional 1,000 trees on order. The “Veteran Village Kins Community” will include a 100,000-square foot GMP compliant, central processing plant, a state-of-the-art testing laboratory, and various health and wellness centers to support veterans who may have psychological, emotional or health issues.
“As Hemp, Inc. positions itself on the forefront of America’s industrial hemp revolution, we see our partnership with ‘Veteran Village Kins Community Arizona, Inc.’ being paramount in supporting the small family farm movement that we are confident will reshape the American landscape,” said Perlowin. “As we work toward getting our eco-village up and running in Arizona, we are also aggressively scouting strategic locations in other states including North Carolina, South Carolina, Florida, Georgia, Kentucky, Tennessee and West Virginia. Giving veterans and other Americans a place to learn new skills and take part in this multi-billion-dollar hemp CBD market is very exciting. It’s a big part of our mission to give back.  Recently we have expanded our Kins Community concept internationally focusing, but not limited to, Israel, New Zealand, Canada, Africa, and Uruguay.”

THE GREAT AMERICAN HEMP GROW-OFF
According to Perlowin, we hope to have 50 “master hemp growers” working on their first Veteran Village Kins Community in Arizona. To date, we have growers from Oregon, Colorado, California, Kentucky, North Carolina, Nevada, Florida, and Arizona who have expressed an interest in pursuing a joint venture with Hemp, Inc. to each grow industrial hemp on 5 of the 300 fenced acres in Arizona. Perlowin says he’ll call this “The Great American Hemp Grow-Off.”  Any grower having an interest in pursuing a joint venture on 5 of the 300 fenced in acres in Arizona should contact Project Manager Dwight Jory. Or, anyone interested in attending the 2-7-day hands-on hempcrete house building should contact Dwight Jory (ecogold22@gmail.com) as well.

The Grow-Off starts June 1, 2019 (the first day hemp will be legal to grow in Arizona) and also includes a Hemp University every weekend for the entire growing season. The Hemp University (in Arizona)  will be held in a 60-foot geodesic dome that can seat up to 225 people.

At the Great American Hemp Grow-Off, 2 Manifest Studios will be filming and interviewing all of the master growers and their grows on the Docuseries on the Modern Day History of Industrial Hemp. “No wonder most of the growers I talk to want to come and be a part of this. They want to be a part of the Docuseries on the Modern Day History of Industrial Hemp because if they’re not there, history will pass them by,” said Perlowin.

The weekend Hemp University course, that will be taking place in the 60-ft geodesic dome, will now also include field trips out to the all the 5-acre hemp grows that are growing just 100 yards away. This hands on interactive educational experience is the chance of a lifetime for anyone to really learn about this new emerging multi-billion dollar hemp industry from hemp industry experts all over America. 

A 44-ft geodesic dome will be set up as a movie room to show movies, documentaries and courses on everything from bio-dynamic farming, permaculture, organic farming practices to bees, predator pest control, soil amendments, cloning, grafting and other peripheral agricultural course materials.
Lastly, the entire operation will have live streaming video capabilities so the whole world can tap in and see The Great American Hemp Grow-Off in real time.

WHAT IS HEMP?
Hemp is a durable natural fiber that is grown as a renewable source for raw materials that can be incorporated into thousands of products. It’s one of the oldest domesticated crops known to man. Hemp is used in nutritional food products such as hemp seeds, hemp hearts and hemp proteins, for humans. It is also used in building materials, paper, textiles, cordage, organic body care and other nutraceuticals, just to name a few. It has thousands of other known uses. A hemp crop requires half the water alfalfa uses and can be grown without the heavy use of pesticides. Farmers worldwide grow hemp commercially for fiber, seed, and oil for use in a variety of industrial and consumer products. The United States is the only developed nation that fails to cultivate industrial hemp as an economic crop on a large scale, according to the Congressional Resource Service. However, with rapidly changing laws and more states gravitating towards industrial hemp and passing an industrial hemp bill, that could change. Currently, the majority of hemp sold in the United States is imported from China and Canada, the world’s largest exporters of the industrial hemp crop.

To see Hemp, Inc.’s video just posted entitled, “The Largest Hemp Mill in the Western Hemisphere is Now Online – It’s Alive”, click here. To see the Hemp, Inc. mill in operation and processing product, visit Bruce Perlowin’s personal Facebook page and scroll down to August 1, 2017.

THE DIFFERENCE BETWEEN HEMP AND MARIJUANA
Hemp is completely different from marijuana in its function, cultivation and application. In cultivating marijuana, the plants are spaced far apart, and the male plants are destroyed to assure that they cannot seed the female plants, which would result in undesirable, less potent and less marketable, seeded marijuana buds. Hemp, on the other hand, is planted close together and commonly hermaphrodites, which creates an abundance of seeds, the main component of Hemp foods and supplements. The Hemp stalks are processed and used for fiber, composite, and other hemp based end products.

Hemp is used in variety of other applications that marijuana couldn’t possibly be used in. These include healthy dietary supplements, skin products, clothing, and accessories. Overall, hemp is known to have over 25,000 possible applications. Hemp products such as Hemp Milk, Hemp Cereal, and Hemp Oil are used by consumers every day.
For an excellent read on the difference between hemp and marijuana, visit the Ministry of Hemp.

9 GREAT REASONS TO INCLUDE HEMP AS PART OF A HEALTHY DIET (Source)
Although hemp seeds come from the Cannabis sativa plant, they do not produce a mind-altering effect.  These small, brown seeds are rich in protein, fiber, and healthful fatty acids, including omega-3s and omega-6s. They have antioxidant effects and may reduce symptoms of numerous ailments, improving the health of the heart, skin, and joints. Read all the reasons to include hemp as part of a healthy diet here.

HOW HEMP CAN CHANGE THE WORLD
Fiber – Hemp fiber can be used to make fabrics and textiles, rope and paper. The word ‘canvas’ actually derives from the word cannabis.

Fuel – While the industrial, medicinal and commercial properties of hemp have been known to mankind for a very long time, its benefits to the environment have just been realized in recent years. One of the compelling things hemp offers is fuel. With reserves of petroleum being depleted, it would be nice if we could have a fuel source which was reusable and which we could grow right here, making us completely energy independent.

Food – Hemp seeds are very nutritious and were first thought to be eaten by the Ancient Chinese and Indians. Hemp seeds have a nutty taste and can be eaten raw, ground up, sprouted, or made into dried sprout powder. Hemp seeds also contain a very beneficial oil that is high in unsaturated fatty acids, including an optimal 1:4 ratio of omega-3 to 6.

Building Material – Hemp can be made into a variety of building materials. These include concrete-like blocks called ‘hempcrete’, biodegradable plastics, and wood replacements. These materials have been used in the manufacture of many things, including electronics, cars and houses. In fact, the first American home made of hemp-based materials was completed in August 2010 in Asheville, North Carolina.

Biofuel – Remarkably, the oil from hemp seeds and stalks can also be made into biofuels such as Biodiesel?—?sometimes known as ‘hempoline’. While this biofuel can be used to power engines, it does take quite a lot of raw material to produce a substantial amount.
(Source/Credit: A Medium Corporation)

SOCIAL NETWORKS
http://www.facebook.com/hempinc (Facebook)
https://www.facebook.com/KingOfPot (Bruce Perlowin’s Facebook Page)
https://www.hempincpresents.com (Hemp, Inc.’s YouTube Channel)

SUBSCRIBE TO HEMP, INC.’S VIDEO UPDATES
“Hemp, Inc. Presents” is capturing the historic, monumental re-creation of the hemp decorticator today as America begins to evolve into a cleaner, green, eco-friendly sustainable environment. What many see as the next American Industrial Revolution is actually the Industrial Hemp Revolution. Watch as Hemp, Inc., the No. 1 leader in the industrial hemp industry, engages its shareholders and the public through each step in bringing back the hemp decorticator as described in the “Freedom Leaf Magazine” article “The Return of the Hemp Decorticator” by Steve Bloom.

Hemp, Inc. Presents” is accessible 24 hours a day, 7 days a week, by visiting www.hempinc.com. To subscribe to the “Hemp, Inc. Presents” YouTube channel, be sure to click the subscribe button.

UPCOMING INTERNATIONAL AND DOMESTIC EVENTS
Across the globe, the hemp industry is rising to astronomical levels. In the wake of the hemp industry projected to grow 700% and hit $1.8 billion by 2020, there has been more education and networking within the industry. That means more events and conferences, thus, Hemp, Inc. has started compiling an ongoing list of upcoming hemp events around the world.  Check out the listing of international and domestic events here.

HEMP, INC.’S “TRIPLE BOTTOM LINE”
With a deep-rooted social and environmental mission at its core, Hemp, Inc. seeks to build a business constituency for the American small farmer, the American veteran, and other groups experiencing the ever-increasing disparity between tapering income and soaring expenses. A global leader in the industrial hemp industry with bi-coastal processing centers including the largest multipurpose industrial hemp processing facility in the western hemisphere (in Spring Hope, North Carolina), a 4,500 hemp-growing and processing eco-village aggressively being built on 500 of those acres in Golden Valley, Arizona called Veteran Village Kins Community (to serve the needs of the American veterans) and one of the most sophisticated harvesting and post processing facilities in Medford, Oregon, Hemp, Inc., believes there can be tangible benefits reaped from adhering to a corporate social responsibility plan. Thus, Hemp, Inc.’s “Triple Bottom Line” approach serves as an important tool in balancing meeting business objectives and the needs of society and environment at the same time.

FORWARD-LOOKING DISCLAIMER AND DISCLOSURES
This press release may contain certain forward-looking statements and information, as defined within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934, and is subject to the Safe Harbor created by those sections. To clarify the issue of OTC placing a stop sign next to Hemp, Inc.’s stock trading symbol, that symbol indicates Hemp, Inc. does not report their financials. As a non-reporting pink sheet company, Hemp, Inc. is not required to report. The company does, however, choose to publicly report its quarterly and yearly financials on its website. According to the company’s CEO, the OTC stop sign is a misrepresentation of that reporting fact. This material contains statements about expected future events and/or financial results that are forward-looking in nature and subject to risks and uncertainties. Such forward-looking statements by definition involve risks, uncertainties.

Hemp, Inc.      
855-436-7688
ir@hempinc.com
Source: Hemp, Inc.
            © 2019 GlobeNewswire, Inc.
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How to Teach Your Children Age-Appropriate Financial Lessons

National nonprofit credit counseling agency Take Charge America helps parents identify financial milestones for toddlers, kids and teens

 

PHOENIX – (April 3, 2019) – When it comes to understanding money management, responsible spending and healthy saving habits, it’s best to start young.

“For better or worse, parents serve as the prime example when it comes to financial behaviors,” says Michael Sullivan, a personal financial consultant with Take Charge America, a national nonprofit credit counseling and debt management agency. “Beginning financial discussions early-on, and continuing these conversations through each age, can help kids become financially independent and confident come adulthood.”

 

Sullivan outlined age-appropriate financial lessons that parents can instill in daily life.

 

Ages 2-5

  • Basic money knowledge – Teach toddlers the names of individual coins and the value of paper bills. Explain how cash is deposited into a bank for safekeeping.
  • Saving up – Set up a piggy bank for kids to start saving on their own and talk to them about the responsibility of keeping money safe.

Ages 5-8

  • Help at checkout – Allow little ones to help at checkout, letting them purchase small items or counting cash with guidance. This helps them understand that money is exchanged for goods — and that items in a store must be bought.
  • Spend/save/share – Upgrade the piggy bank to three separate funds for kids to divide their money: spend, save and share. This teaches kids how to allot money to daily expenses, work toward bigger purchases and share with others.

Ages 9-12 

  • Odd jobs – Parents may encourage children at these ages to start making and saving their own money through odd jobs, chores around the house or an allowance.
  • Comparing prices – Discuss how to find the best price. Ask pre-teens why they think certain products might cost more than others. It might be helpful to talk about situations where a more expensive price is warranted or if a bargain price is better suited.

Ages 13-16 

  • Credit cards and more – This is a good age to introduce credit cards, the importance of building and maintaining credit, paying bills and other associated responsibilities.
  • Gaining independence – Teens will probably show more interest in having a regular income as they age. Whether they’re saving up for a car or otherwise, a first job is an opportunity to learn important life skills, including depositing paychecks, paying taxes or opening a savings account.

Ages 17+ 

  • Higher education – Take the time to discuss college with young adults. If higher education is in their future, ask where they’d like to attend, their desired area of study, how they plan to pay for it and their expected starting salary in their chosen field.
  • Loans and interest – College is frequently associated with student loans. Explain how “buy now, pay later” can result in accumulating interest. Stress the importance of reading the fine print and paying off debt consistently.
  • Feeling secure – College or no college, help outline a long-term financial roadmap to support them on their journey to independence. Discuss where they see themselves in five years and explore how to realistically and financially get there.

Take Charge America offers parents and teachers free financial resources and elementary school lesson plans to guide such conversations.  

 

About Take Charge America, Inc.

Founded in 1987, Take Charge America, Inc. is a nonprofit agency offering financial education and counseling services including credit counseling, debt management, student loan counseling, housing counseling and bankruptcy counseling. It has helped more than 1.6 million consumers nationwide manage their personal finances and debts. To learn more, visit www.takechargeamerica.org or call (888) 822-9193.

 

 ==========================

VAGRANTS

Premiere New Single

"Separation"

Streaming on Alternative Press

 

Debut EP,

Separation,

Out April 26th via Equal Vision Records

Pensacola, FL - April 3, 2019 - Post-hardcore act Vagrants share "Separation," streaming now on Alternative Press. Additionally, the band has announced their debut EP, Separation, will be released on April 26th via Equal Vision Records. Pre-orders are now available at vagrants.merchnow.com.

 

"'Separation' is a very personal track for me," shares guitarist Jose DelRio. "Our previous vocalist was arrested right before a planned tour, and just months before going to record the EP 'Separation.'"

 

He continues: "Honestly, things were bleak and I really wasn't certain what the future held for myself and the band at that point. Lyrically, the song touches on a very low point in my life and also serves to connect the dots conceptually for the EP."

 

Letting go is hard, but if you want to move forward, it's something you have to do. Vagrants know this better than most. Last year, the band were rocked when their original vocalist announced that he was to spend time in jail. The news initially dealt a huge blow to their ranks, particularly in the case of guitarist, co-vocalist and chief songwriter DelRio, who'd founded the band with drummer Anna Hayes in 2017. Having made waves via debut single "Window Panes" and with plans in place for a follow-up EP, the discovery that their frontman was to face incarceration threatened to shackle a bright young group just when they looked set to break-out of the local Pensacola scene.

 

With a good portion of their debut record already written, Vagrants regrouped and pressed ahead with recording. Finding a replacement for their former singer in Dylan Knapp--a man who'd originally been drafted in to play bass before impressing the rest of the band with his vocal ability--Vagrants set about channeling their turmoil into a post-hardcore sound with roots in the genre's star-studded past, but with one eye firmly on its future. Said record, the four-piece's debut EP Separation, is a brilliant first move born out of loss.

 

From the self-reflective poeticism of "St. Anthony" through to thoughts on losing those once close ("Circle Of Friends") and lamentations on a broken relationship (lead-single "Clarity"), Vagrants tackle all facets of the concept behind which their record is named. It all comes to a head on Separation's title-track: the only song wholly written after Knapp's recruitment, its lyrics attempt to make sense of the EP's tumultuous inception, and whilst at times things get pretty dark, a powerful "carry on" message shines through.

 

Each of Separation's five tracks is about losing someone or something close to you. An EP whose primary aim, according to DelRio, is to provide solace, comfort and catharsis to the listener, it's a body of work which spans many facets of alternative music but one that retains its identity and heart throughout. A sound that combines They're Only Chasing Safety-era Underoath with the raw intensity of Taking Back Sunday and the forward-thinking nature of Circa Survive and Being As An Ocean, Vagrants' music is taking post-hardcore to territory previously unexplored.

 

Separation is the sound of a band refusing to give in and emerging victorious, and whilst its creators have had to let go of the past, in doing so, they've opened the door to a future bursting with promise.

 

Vagrants is Dylan Knapp (vocals), Jose DelRio (guitar/vocals), Anna Hayes (drums) and Jackson Taghon (guitar).

 

Vagrants will be touring this April with The Word Alive, as well as performing at So What Fest in Houston. For a full list of dates, including additional shows with Of Mice & Men, Secrets, and Parkway Drive, please see below or visit www.vagrantsband.com.

 

For more information, please visit:

Website: www.vagrantsband.com

Facebook: www.facebook.com/Vagrantsband

Twitter: www.twitter.com/vagrants_band

Instagram: www.instagram.com/vagrantsband

 

Upcoming Tour Dates:

 

4/10 - Colorado Springs, CO @ The Black Sheep +

4/12 - Milwaukee, WI @ The Rave +

4/15 - Cincinnati, OH @ Top Cats +

4/16 - Nashville, TN @ The Cowan +

4/17 - Greensboro, NC @ Arizona Pete's +

4/18 - Richmond, VA @ The Canal Club +

4/19 - Easton, PA @ One Centre Square +

4/20 - Poughkeepsie, NY @ The Loft +

4/21 - Amityville, NY @ Revolution Music Hall +

4/23 - Hartford, CT @ The Webster Underground +

4/26 - Lafayette, LA @ Wing Fingers %

4/27 - Houston, TX @ So What Fest

5/03 - Johnson City, TN @ Capone's *

5/07 - Margate, FL @ O'Malley's Sports Bar #

5/08 - Orlando, FL @ Soundbar #

5/09 - Atlanta, GA @ Masquerade - Hell #

5/10 - Raleigh, NC @ Emo Raleigh

5/11 - Richmond, VA @ The Canal Club #

5/12 - Myrtle Beach, SC @ House Of Blues ^

 

+ w/ The Word Alive

* w/ Of Mice & Men

# w/ Secrets

^ w/ Parkway Drive

% Headline show

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With April being National Financial Literacy Month, the free credit score website WalletHub today released its report on 2019’s Most & Least Financially Literate States as well as accompanying videos, which analyzes financial-education programs and consumer habits in each of the 50 states and the District of Columbia.

The study uses a data set of 17 key metrics, including the results of WalletHub’s WalletLiteracy Survey, which range from high-school financial literacy grade to share of adults with a rainy-day fund.

Financial Literacy in Utah (1=Most Financially Literate, 25=Avg.):

  • 31st – % of Adults Aged 18+ Who Spend More than They Earn
  • 4th – % of Unbanked Households
  • 30th – % of Adults Aged 18+ Paying Only Minimum on Credit Card(s)
  • 15th – % of Adults Aged 18+ Who Compare Credit Cards Before Applying
  • 1st – High-School Financial Literacy Grade

For the full report, please visit:
http://wallethub.com/edu/most-and-least-financially-literate-states/3337/