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  Santa Cruz Parent Santa Cruz County

December 27, 2018
A Movie To Laugh With

New Year's Financial Resolutions: Get Your Finances in Shape for 2019

Feed the Birds With a DIY Wreath

The Way American Parents Think About Chores Is Bizarre
Fun Events!
Click to view our Business Directory
  A Movie To Laugh With

(0 A December 2018) AChristmasStory.jpgWe're watching "A Christmas Story (1983)" --a child's view of family life in the 1940's-- and laughing spontaneously at hilarious scenes, even cheering when little Ralphie gets so tired of being bullied that he beats up the bully. Warning: it's not PC. It's a trip to the culture of the 40's. I can't believe I never saw this movie until 2018, but then, I stopped watching tv a long time ago. These days, it's so great to access almost any movie at home.

I know it's hard to think of long range financial planning when you're in the throes of new baby sleep deprivation, toddler tantrums, etc. but it is important. It's time to hunker down and make long range plans for the financial security of our families.  We've included a shortened article on family finance for your consideration. Peruse it quickly, note sections you want to pursue, and then go to the the complete article. It's full of good advice.

We offer an article with a unique twist on the allowance dilemmna. After reading it I figure each family has to get clarity on their own plan and then stay consistent with it. I rather like the idea that if it involves your own personal stuff (laundry, bedroom, homework or office work, etc.) you take responsibility. Then there is participation in family community maintenance. Neither of these areas is cause for allowance. Read the article for suggestions!

Please share our newsletter with new friends so they won't miss a few tidbits of wisdom from our author contributors, and as always our many fun events!

Have a slowing down weekend with family and friends!  Parmalee

 

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  New Year's Financial Resolutions: Get Your Finances in Shape for 2019

New Year's Financial Resolutions: Get Your Finances in Shape for 2019

Personal Finance Planning Setting Goals By Rob Williams December 11, 2018

Many people make resolutions on New Year's Day. But no matter what your resolutions are, the key isn't making the list, it's sticking with it. Here are five resolutions that can help increase your financial fitness today and in the new year.

(0 A December 2018) Finances.jpgResolution 1: Create a budget for life

  • Create a budget and pay yourself first.
  • Calculate your personal net worth annually.
  • Project the cost of essential big-ticket items.
  • Retired? Invest your living-expense money conservatively.
  • Prepare for emergencies.

Resolution 2: Manage your debt

  • Keep your total debt load manageable.
  • Eliminate high-cost, non-deductible consumer debt.
  • Match repayment terms to your time horizons.

Resolution 3: Optimize your portfolio

  • Diversify across and within asset classes.
  • Consider taxes. 
  • Monitor and rebalance your portfolio as needed.

Resolution 4: Prepare for the unexpected

  • Protect against large medical expenses with health insurance.
  • Purchase life insurance if you have dependents or other obligations. 
  • Protect your earning power with long-term disability insurance.
  • Protect your physical assets with property-casualty insurance.
  • Obtain additional liability coverage, if needed.
  • Consider the pros and cons of long-term-care insurance.
  • Create a disaster plan for your safety and peace of mind.
  • If you're tech-savvy, consider storing inventories and important documents on a portable hard drive. It's also a good idea to have copies of birth certificates, passports, wills, trust documents, records of home improvements and insurance policies in a small, secure "evacuation box" (the fireproof, waterproof kind you can lock is best) that you can grab in a hurry in case you have to evacuate immediately. Make sure your trusted loved ones know about this file as well, in case they need it.

Resolution 5: Protect your estate

  • Review your beneficiaries, especially for retirement accounts , annuities and life insurance. 
  • Update or prepare your will.
  • Coordinate asset titling with the rest of your estate plan.
  • Have in place durable powers of attorney for health care.
  • Consider creating a revocable living trust.
  • Take care of important estate documents.

Finally, remember you don't have to do everything at once. There's a lot you can do to improve your financial health. Take one step at a time. Make some real progress on your journey this year. Read the entire article>>>

 
 

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Toy Trains at MAH! Dec. 21 - 31

Watch a massive standard gauge steam engine from the 1920s start up with the headlight flashing and drive wheels spinning. Marvel at smoke flowing from the smoke stack, and a mighty whistle.

  Feed the Birds With a DIY Wreath

(0 A December 2018) DownyWoodpeckerandWreath.jpgA Practical Project from Audubon

The holidays are usually a busy time in the kitchen-and birds will appreciate some home-cooked treats just as much as your friends and family. This suet bird seed wreath provides densely nutritious food for the birds that hang around in the winter. Cook one up and hang it outside (ideally either 3 feet from a window, or more than 30 feet from a window, to prevent collisions), and wait for your feathered fans to come snack. What birds should you expect? Suet is a particularly welcome feast for birds like wrens, chickadees, nuthatches, and woodpeckers. 

Here's how to cook up this avian treat:

Materials:

  • Bundt Pan
  • Large pot
  • Wide Ribbon
  • 3 Block of rendered suet (available at local supermarkets)
  • ½ cup of peanut butter
  • 9 cups of bird seed
  • Dried fruits and berries

Steps:

1. Over low heat, melt your three blocks of suet in the large pot. Stir consistently and make sure it does not boil.

2. Once your suet is melted, add the peanut butter and let the combined suet fully melt. Remove from heat.

3. Combine the liquid suet with the bird seed.

4. Spray the bundt pan with cooking spray and fill the bottom with berries and fruit.

5. Fill the bundt pan with the liquid suet.

6. Let sit in a cool place (like your refrigerator) overnight to harden. Once hardened, remove the mold from the pan.

7. Tie a ribbon around in order to hang and either decorate as a gift or hang outside for birds to enjoy!

Note: Do not put suet out in hot weather, as it can turn rancid. Keeping it a holiday tradition can help you remember to only hang this wreath in cool weather.

 

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  The Way American Parents Think About Chores Is Bizarre

Children naturally want to help at a very early age-but many families wait to conscript them until that desire has faded.


The practice of paying children an allowance kicked off in earnest about 100 years ago. "The motivation was twofold," says Steven Mintz, a historian of childhood at the University of Texas at Austin. "First, to provide kids with the money that they needed to participate in the emerging commercial culture-allowing them to buy candy, cheap toys, and other inexpensive products-and second, to teach them the value of money."

These days, American children on average receive about $800 per year in allowance, according to the American Institute of Certified Public Accountants. Kids, though, are usually not receiving money for nothing-the vast majority of American parents who pay allowance (who themselves are a majority of American parents) tie it to the completion of work around the house. Read on for a different approach>>>>

  Fun Events!
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DECEMBER

CALENDAR

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Oh Yes!

Ocean View Ave Park

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Dec 26 - Jan 1

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Kirby School 6-12, Shadow Days, Mondays

 

Orchard School K-6, Open House 1/19

 

Mount Madonna School PreK-12, Campus Tour and Preview of "13" the Musical1/24

 

Kirby School 6-12, Open House 1/26

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Old-Time Family Barn Dance
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  Old-Time Family Barn Dance
Live Oak Grange
Date: 12/28/2018 at 6:00pm
Details: Fun dances accessible to all comers. Live acoustic string music. All dances taught and prompted.
Special Instructions: Overflow parking at Harbor Lights Church, 2008 17th Ave
City: Santa Cruz view all details >>
     
Toy Trains
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  Toy Trains
MAH and Golden State Toy Train Operators
Date: Every day (Dec 21-Dec 31) from 10:00am to 6:00pm
Ages: All
Details: Experience a mini-universe of model trains that delight the young and young at heart.
City: Santa Cruz Phone: 831.429.1964 view all details >>
     
Skill and Luck: Games of the Mission
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  Skill and Luck: Games of the Mission
State Park Mission
Date: 08/17/2019 at 1:00pm
Details: Gather round the table and play a board game set in the 18th century
Special Instructions: at the end of School Street off the Santa Cruz Mission Plaza
City: Santa Cruz Phone: (831) 425-5849 view all details >>
     
First Day Hikes
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  First Day Hikes
State Parks California
Date: 01/01/2019
Details: Start your year off right, with a rejuvenating visit to California's state parks! Enjoy the outdoors, get some exercise, and ins
City: Santa Cruz County view all details >>
     
Anime Club
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  Anime Club
Library Watsonville
Date: The 1st Tues of every month from 4:00pm to 5:30pm
Ages: 6-12 grades
Details: Join our Anime Club!
City: Watsonville Phone: 831-768-3400 view all details >>
     
FIRST NIGHT MONTEREY
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  FIRST NIGHT MONTEREY
First Night Monterey
Date: Every day (Dec 17-Jan 1) from 3:00pm to 12:01am
Details: Dance, play, act, perform, create and sing our way into 2019!
City: Monterey view all details >>
     
Holiday Lights Train
click to view website
  Holiday Lights Train
Roaring Camp
Date: Every Fri and Sa (Nov 23-Dec 31)
Details: Choo, Choo, Santa Claus is coming to town, not by sleigh, not by snow but by Train!
City: Felton view all details >>
     
DROP IN FAMILY CRAFT- Paper Roses
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  DROP IN FAMILY CRAFT- Paper Roses
State Park Mission
Date: 01/27/2019 from 1:00pm to 3:30pm
Details: Drop-In Family Craft - Papal Picado Sunday, January 27 from
Special Instructions: at the end of School Street off the Santa Cruz Mission Plaza
City: Santa Cruz Phone: (831) 425-5849 view all details >>
     
Zoo Lights Celebration
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  Zoo Lights Celebration
San Francisco Zoo
Date: Every Su, Fri and Sa (Dec 14-Dec 30) from 5:00pm to 8:00pm
Details: Experience bright holiday light displays, Santa Claus and the only place around where you can see Santa's reindeer!
Special Instructions: Sloat Blvd at Great Highway
City: San Francisco Phone: (415) 753-7080 view all details >>
     
Family New Years
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  Family New Years
Santa Cruz Roller Palladium
Date: 12/31/2018 from 7:30pm to 10:30pm
Ages: All
Details: Join us for games, prizes, party favors, and a countdown!
City: Santa Cruz Phone: 423-0844 view all details >>
     
Drop-In Family Craft - Papal Picado
click to view website
  Drop-In Family Craft - Papal Picado
State Park Mission
Date: 09/08/2019 from 1:00pm to 3:30pm
Details: Enjoy an informal afternoon creating luminaria at this hidden jewel
Special Instructions: Dec 1, 21 & 31
City: Santa Cruz Phone: (831) 425-5849 view all details >>
     
Noon Year's Eve Day for Children!
click to view website
  Noon Year's Eve Day for Children!
Santa Cruz Children's Museum of Discovery
Date: 12/31/2018 from 10:00am to 1:00pm
Ages: 0-12
Details: New Year's Eve Day for Children! THE BALL DROPS AT NOON!
City: Capitola Phone: (888) 424-8035 view all details >>
     
Holiday On Ice
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  Holiday On Ice
Beach Boardwalk
Date: Every day (Nov 17-Jan 6)
Details: Create a new holiday tradition with family and friends ice skating by the sea
City: Santa Cruz view all details >>
     
Curious Contraptions
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  Curious Contraptions
Exploratorium, Pier 15
Date: Every day (Nov 8-Jan 20) from 10:00am to 5:00pm
Details: A whimsical winter exhibition where small sculptures are brought to life by intricate arrangements of handmade cams, cranks, and
City: San Francisco Phone: (415) 528-4444 view all details >>
     
     
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