Financial Architects - April 2019

Rated E for Everyone What Do Ratings Mean, and How Should You Use Them? Despite guidance from ratings systems, it can be difficult for parents to discern what digital content is appropriate for their children. Learn more about ratings guidelines for common entertainment media and how to decipher that information so you can make educated decisions that work for your family. MOVIES: G-rated movies are considered suitable for all ages, whereas PG, PG-13, and R-rated movies are progressively less appropriate for kids because of violence, nudity, and language. Some ratings come with age limits; children who are under the age of 17 must be accompanied by an adult at R-rated movies. TV SHOWS: Due to laws that limit inappropriate content on public airwaves, TV rating systems follow unique codes. In the U.S., shows that are rated as TV-14 (content that is suitable for those ages 14 and older) can only air after 5 p.m. Meanwhile, TV-MA (content that is appropriate for mature audiences) can only air between 10 p.m. and 6 a.m. Most shows airing between the hours of 6 a.m. and 5 p.m. are rated TV-G or TV-PG. These are similar in content to their movie counterparts. Some television children’s shows will also be rated as TV-Y or TV-Y7, and their only distinction is that TV-Y7 has been deemed appropriate for young children ages 7 and older. TV ratings can also have additional descriptors attached to them to explain what kind of content earned the rating. VIDEO GAMES: There are seven video game ratings: Early Childhood (EC), Everyone (E), Everyone 10+ (E10), Teen (T), Mature (M), Adults Only (AO), or Rating Pending (RP). These ratings provide consumers with more information about content. Again, as the age of the intended user increases, content progresses from allowing mild violence or suggestive content to adult themes. When choosing family entertainment, experts suggest using both the rating and the description of the media to make your decision since the rating system may not fully explain media content. For example, studies have found that a PG-13 movie can sometimes have just as much violence as an R-rated movie. Additionally, you may be fine with the content in a T-rated video game for a more developmentally advanced 11-year-old. Once you get past all the combinations of numbers and letters, you as a parent might find that ratings for video games, movies, and TV shows provide helpful information. Couple the ratings with your own research and your own values, and put an end to worrying about what surprises may lurk in your children’s media.

SHHHHHHH! It’s National Library Workers Day!

Whether you have a card or not, libraries are an important part of our community. They serve as meeting places, research stations, employment centers, and local historical archives. They help kids and adults alike explore vast literary worlds and immense databases of knowledge — all for free! Behind every library is a dedicated staff of librarians, catalogers, assistants, and administrators who keep the system running smoothly. While it may not be the most well-known holiday, April 9 is National Library Workers Day (NLWD). As part of National Library Week, NLWD recognizes and celebrates the vital work performed by library staff. Librarians and their team do far more than simply place books on the shelf and shush noisy teenagers, after all. Library science is a multidisciplinary field that takes years of study to master. Today’s librarians have the skills of managers, IT specialists, documentarians, archivists, and educators — equipping them to help anyone from elementary students to doctoral researchers. These professionals can be an invaluable resource for anyone looking to delve into a particular topic, even if they don’t know where to begin. Just tell your local library worker what subject you’re interested in, and they can help you track down books, databases, magazine articles, and more. How should you celebrate National Library Workers Day? Some groups, such as the students at the University of Arizona, go above and beyond by delivering balloons and signs to library branches across Tucson. More commonly, however, library branches ask their community members to vote for a “star” staffer. If a library worker has made a difference in your life, you can submit their name to the American Library Association by visiting Ala-Apa.org and clicking “Submit A Star!” Lastly, you can show your appreciation by visiting your local library and thanking these professionals. These important community centers only work because they do!

The information contained in this newsletter is derived from sources believed to be accurate. You should discuss any legal, tax, or financial matters with the appropriate professional. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Registered Representatives offer Securities through The O.N. Equity Sales Company, Member FINRA/SIPC (www.FINRA.org/ and www.SIPC.org). Investment Advisory Services offered through O.N. Investment Management Company and FAI Advisors, Inc. Financial Architects, Inc. and FAI Advisors, Inc. are not subsidiaries or affiliates of The O.N. Equity Sales Company or O.N. Investment Management Company. We have representatives currently registered in the following states: AL, AZ, CA, CO, DC, FL, GA, IL, IN, LA, MD, ME, MI, MN, MS, MO, NC, NJ, NV, NY, OH, OR, PA, SC, TX, VA, WA, and WI.

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