Tag: first2know

By: Charissa Roberson, Information Services Assistant

April is National Financial Literacy Month, making it the perfect time to highlight one of The Library’s free-to-access resources, Weiss Financial Ratings!

This database provides reliable information on stocks, banks, insurance companies, and more, as well as a variety of tools to help you deepen your understanding and build confidence in the world of finance. Let’s dive in and learn more about what Weiss Financial Ratings has to offer and how it can benefit you.

Weiss Financial Ratings is divided into three main categories: investments, banking & insurance, and personal finance. We’ll look at each category in turn and go over how to navigate the database to find what you need.

First, let’s look at investments. This category is divided into stocks, mutual funds, and exchange-traded funds (ETFs). Based on thousands of data points, Weiss Financial Ratings assigns these investments a BUY, HOLD, or SELL rating. A “BUY”- rated investment will have an A or B grade, indicating that Weiss would recommend purchasing shares. A “HOLD” rating with a C grade suggests keeping an eye on this investment if you have it, while a “SELL” rating with a D or E grade means that Weiss would recommend selling your shares.

These types of ratings are what Weiss calls “investment ratings.” A higher rating means you are more likely to get a good reward with minimal risk, while a lower rating means the return on your investment may not outweigh the risks involved.

You can begin your search by clicking “Start your search for stocks.” From this page, you can use the Quick Search option if you already know the name or ticker symbol of the stock you’re interested in. If you want to search more broadly, you can browse pre-prepared searches, look for stocks by sector or rating, or build your own search (called a “screener”) with personalized criteria. When you click on a stock, you can view its profile, which includes vital information about the stock, its rating history over the years, and a comparison tool where you can line stocks up side by side and compare their numbers.

The setup of these search options is the same across the entire database. Click over to mutual funds and ETFs. Notice that, while some terms may be different, the organization and functionality of the pages are the same. The same goes for the pages on banks, credit unions, and insurance companies. Once you get used to using one section of Weiss Financial Ratings, the other sections will start to feel familiar and straightforward to navigate.

The other type of rating that Weiss provides is “safety ratings.” These apply to banks, credit unions, and insurance companies and follow a letter-grade system (A-E, Excellent to Very Weak). A higher rating means the institution is more likely to remain strong and stable over time, while a lower rating suggests it might not be able to sustain economic difficulties. These ratings can help you determine what institutions to entrust with your hard-earned money.

Remember, you will find all the same sorts of search tools on these pages as you found under investments. There is a Quick Search tool, an option to build a customized search, and a selection of pre-prepared searches for your convenience. Want to view the profile of a listed bank, credit union, or insurance company? Simply click on the name. Want to compare banks or insurance companies? Use the side-by-side comparison tool.

Finally, Weiss offers a variety of educational tools to assist you on your personal finance journey. Browse their library of e-Books and learn how to become an investor, how to make and stick to a budget, how to plan for retirement, and much more. These e-Books take complicated subjects and explain them in clear, easy-to-understand language. You can even access consumer guides and printable worksheets to help you plan and organize.

Whew! We’ve just presented you with a ton of information – so if you’re still feeling uncertain, don’t worry. Weiss Financial Ratings offers FREE webinars on a variety of topics, from how to use the database to tips on shopping for insurance. All you have to do is sign up! Or you can always watch tutorials in their Video Library or type a question in their Chat service.

This April, take charge of your financial literacy and check out the wealth of resources that Weiss Financial Ratings has to offer!

By: Deborah Megoulas, ESA Youth Services Manager

What is Steppingstones to Milestones? If you look at the definitions of these terms, you get an idea. One definition of a steppingstone is an action or event that helps one make progress towards a specific goal, and the definition of a milestone is a significant point in development. Steppingstones to Milestones is a series of early learning programs geared toward building early literacy skills in children from birth through 5 years of age.

How do we reach this goal? We do this by helping parents and caregivers learn ways to better support their children’s learning through the five practices of reading, writing, talking, singing, and playing. Our storytimes exist as a model for parents and caregivers, and we hope they learn something they can take home and use with their families. Engaging in storytimes with their children is one of the easiest things they can do to promote early literacy and language development. To encourage parents to read to their young children, we invite them to participate in 1000 Books Before Kindergarten, a reading incentive program where children receive prize books when they achieve their reading goals.

The stepping stones in our program include Born to Read, Toddler Storytime, and Preschool Storytime. We also offer an All-Ages storytime that combines elements of each of these.

Born to Read is for children from birth to 18 months old. The benefits of reading to babies are great. The younger you begin reading to a child, the more beneficial it is for their early language and literacy development.

Toddler Storytime is for children aged 18-35 months. This program builds on the language and literacy development of Born to Read by adding age-appropriate activities to support the development of vocabulary, phonological awareness, and print awareness.

Preschool Storytime is for children 3 to 5 years old. Preschool Storytimes continue to build on those early literacy skills with growing awareness of print motivation, letter knowledge, and narrative skills.

To learn more about our program schedule, please visit one of the libraries or www.dcls.org for a copy of Compass. We are excited to announce that we are expanding our storytime options with an All- Ages Storytime at the Madeline L. Olewine Memorial Library beginning Wednesday, April 1, 2026.

If you can’t make one of our storytimes, check out our Steppingstones to Milestones Newsletter for ideas and activities you can do at home to support your child’s early literacy development.

By: Dwana Pinchock

For nearly 20 years, Katrina Leader has worked in the automotive industry, a field still overwhelmingly dominated by men.

She entered a garage at 19 and earned her safety and emissions certifications by 23. What began in her father’s family-owned business became a calling.

“I really enjoyed working on the cars,” Leader said. “But I also enjoyed the customer relations side of it.”

Over time, she noticed women visibly relax when they saw her in the shop. They asked more questions and stayed longer. Many told her they appreciated how clearly she explained what was happening with their vehicles. That realization stayed with her.

After years of considering the idea, Leader launched DriveHer Knowledge, an initiative designed to invite women into the car care conversation.

Her mission is simple: Help women feel confident discussing and understanding their second-largest investment.

A Different Experience

Leader has heard countless stories from women who felt dismissed or talked down to in dealerships and repair shops. She has also seen the financial impact.

“Women will spend, on average, about $7,000 more over the lifetime of their vehicle than men,” she said. “Just because they are women.”

That difference can stem from overcharging, unnecessary services and unclear explanations. In some cases, customers are told about services that do not even exist.

“You can tell some people anything, and they’ll do it,” she said.

DriveHer Knowledge aims to interrupt that pattern.

Leader does not want to turn every woman into a mechanic. She wants women to feel empowered to ask questions and understand the answers.

“You don’t have to know everything about your car,” she said. “But feel comfortable enough to ask questions. A lot of men don’t know either. They’re just not talked to like they’re feebleminded.”

From Bills to Brake Pads

Her classes cover foundational skills such as opening a hood and checking tire pressure, along with more advanced lessons like performing an oil change.

At her first class, she realized how wide the knowledge gap could be.

“Some women didn’t know how to open their own hood,” she said.

She worries about the safety implications.

“If you’re stranded on the side of the road with a flat tire or a broken belt and you have no idea what you’re looking at, that’s scary,” she said.

Workshops also include “BYOB” sessions, short for Bring Your Own Bill. Participants bring repair invoices, and Leader reviews them line by line.

“What was necessary? What was fair? What might have been overcharged?” she said.

She believes one hour of education can save participants hundreds of dollars over time.

A Library Connection

Leader connected with the Dauphin County Library System after meeting staff at a community event last spring. She was later invited to bring DriveHer Knowledge to the library.

She calls the partnership an honor.

“I’m excited that the library is offering a free program so women can get an hour of education,” she said. The setting carries personal meaning.

“The library was my safe haven when I was in school,” she said. “It was my quiet space.”

Although her associate degree was unrelated to automotive work, the library was where she studied and focused. Now she returns not as a student, but as an educator.

Redefining the Field

Automotive repair remains male-dominated, but Leader is not content to be the exception.

She wants women to walk into repair facilities informed, confident and prepared to advocate for themselves. She wants them to know reliability matters more than cup holders. Most of all, she wants women to understand that the conversation about cars belongs to them, too.

For Women’s History Month, Leader’s work is a reminder that empowerment often begins with the basics: opening a hood, checking a tire and asking the right question.

Sometimes it begins with someone willing to say, “You deserve to understand what you’re paying for.”

Visit Katrina Leader’s Facebook page to learn more about her and DriveHer Knowledge.