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  Santa Cruz Parent Santa Cruz, CA

October 23, 2014
Trying on New Personas

Six Ways to Raise and Nurture a Young Entrepreneur

Viva: Cash-Only Part VI: The Wrapup

This Week
HERITAGE HARVEST FESTIVAL
Click to view our Business Directory
  Trying on New Personas

(Special Event Images / Graphics) FashionArt_GreatMorgani_EmmanuelLeroy.jpgNo one does costumes like The Great Morgani and he will be back on Pacific October 31, 3-6pm to delight us with his newest creation.  Please send us photos of your creations so we can share your clever ideas with other parents!

Make Halloween fun for your little, and even not-so-little, Halloween adventurers.  As usual there are lots of choices for age appropriate events.  Enjoy the holiday that allows us to try on another persona! 

Halloween and Harvest Events

Ahhh... money!  We bring you two articles that approach money each in their own way and each with the potential to inspire a fresh look at how your family is handling money and teaching children about money.

Thank you for your interest in our newsletter. Please, drop us a line anytime and recommend us to a friend.

Have a festive week with your family, Parmalee

 

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  Six Ways to Raise and Nurture a Young Entrepreneur

By John Hope Bryant

Children are natural-born entrepreneurs. When they're toddlers, they make homemade mud pies and "sell" them to Mom or Dad. As they get older, they start to understand that adults will pay them small amounts of real money in exchange for goods or services, such as a cup of iced lemonade or walking their dog after school.  

(Special Event Images / Graphics) OperationHope.jpgIn 2013, Operation HOPE launched a pilot program in four cities--Atlanta, Denver, LA, and Oakland--to help schoolchildren in underprivileged communities learn the basics of financial literacy and entrepreneurship. In a competition, kids pitch their entrepreneurial ideas to a committee of business leaders, and the winners are given a $500 grant and help in launching their startup businesses.

As a result of this "Shark Tank for Kids," Princess, a 6th grader from Oakland, created Sweet Tooth Bakery, which sells homemade cakes and cookies to local shops. Froylan, a senior at Montbello High School in Denver, got funding for Froy's PCs, a computer repair business he runs out of his home. 

Their stories, and many others like them, show that kids, when given the education, opportunity, and guidance, can be entrepreneurial successes.

Since many schools don't teach financial literacy courses or offer similar opportunities, here are some ways parents can teach kids about money, financial responsibility, and entrepreneurship.

Show them how money grows. 

Show your kids why investing in two shares of Nike stock will benefit them more than buying one pair of Nike Air Zoom Flight basketball sneakers. Both cost around $160, but only one of those choices will be worth anything five years from now.

Support their natural entrepreneurship. 

A hot dog stand at the school football game, a car-care service, or a lawn mowing job teaches so much more than spending allowance money. When kids start small enterprises, they learn about earning, saving, budgeting, and so much more.

Teach them how credit works. 

Kids need to know about credit because it helps them understand how to plan for large purchases responsibly. A kid with little or no money can acquire something she or he really wants. For example, it might involve borrowing money from a parent and then paying off the loan each week with chores after school. 

Help them make a budget. 

Teaching kids how to budget gives them a realistic notion of the relationship between work and money, and how budgeting relates so many everyday outcomes, such as having enough for food; school supplies; clothes and shoes; birthday presents;  sports, music, and entertainment; tech toys and devices; and other important parts of kids' lifestyles.

Teach them to think big. 

In the most recent Gallup-HOPE Index, more than 87% of youth surveyed believed there was a correlation between how much education they completed and the amount of money they could be expected to earn. Help kids see that the harder they work at doing well in school, the more income and opportunities they'll have later on. 

Give them financial dignity. 

Kids who grow up in households where parents live under the constant threat of having their car repossessed or their utilities turned off intuitively see the relationship between finances and dignity. No one should have to make a choice between buying food and paying the rent. Help them understand that check-cashing joints or pawn shops take advantage of people who don't or can't belong to traditional banks or neighborhood credit unions. Help them start a youth savings account, where they sock away $5 a month.

* * * * * 

(Books/Movies/Products) Book_HowthePoorCanSaveCapitalism.jpgJohn Hope Bryant (www.johnhopebryant.com) is founder, chairman, and CEO of Operation HOPE, a nonprofit banker for the working poor and struggling middle class, which provides financial literacy for youth, financial capability for communities, and financial dignity for all.

His bestselling book, How the Poor Can Save Capitalism: Rebuilding the Path to the Middle Class (Berrett-Koehler, 2014) builds a compelling economic argument for investing in America's least wealthy consumers--and presents practical, positive solutions, with case examples of individuals and companies doing it successfully.

 

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  Viva: Cash-Only Part VI: The Wrapup

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This is the last post in a series called the Cash-Only Challenge, in which I document my husband and I reluctantly giving up credit cards and using actual, physical cash for all of our purchases (imagine that!).  We wrapped up the challenge a while ago, but I'm just now reporting back to you on how it all turned out. You may wish to first check out Part I, which explains how two die-hard credit card users ended up doing this Challenge, Part II, involving grocery budget shenanigans, Part III, describing the logistical acrobatics involved in using a cash budget system, Part IV, traveling with a cash budget, and Part V, which contains the details of our cash budgeting system.

We survived the Cash-Only Challenge!

It's done: my husband and I completed our Cash-Only Challenge.  For three long months, we paid for everything using cash- no credit cards were allowed, and we only used debit cards for paying bills online.  There is no question that going "cash-only" for 3 months was not easy...  I have an addiction to the convenience involved in using a credit card, and there were times when I wanted to abandon this Challenge with an effortless swipe of my Visa.  Nonetheless, we stuck with it, through the emotional ups and downs of using cash and making it last each month with our cash budget system.

Now the three months are over and it's time for me to report back on the ultimate question:

Is a Cash-Only Lifestyle worth it?

Well... there were positives and negatives for us.  I'll go through those first before revealing our answer>>>>>>>>>>>>>>>

 

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  This Week

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Events in the Parks

HARVEST & HALLOWEEN

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School Corner

Monte Vista Christian School 5-12, Open House & Curriculum Fair 10/26 and 11/11

 

Spring Hill School K-6, Open House 10/29

 

Mount Madonna PreK-12, Art and Play in Pre and K 11/4

 

Santa Cruz Waldorf K-8, Early Childhood Education Class TH

 

Mount Madonna PreK-12, Fall Open House 11/15

 

Santa Cruz Waldorf School K-12, Waldorf Alive - A Walk through the Grades 11/19

 

LitWits Master Class for Grades 9-12: A Tale of Two Cities 11/14 & 21

 

Tara Redwood School Pre-5, Call for a Tour

 

CLUBS FOR KIDS!

 

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Pre-K Mornings

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The Art Factory

 

3 Hour Pre-K Art Class

in a small, charming
cottage setting

Weds or Thurs 9am-12noon

Indoor/Outdoor, Play,
Explore, Stories
and Lots of Art!

 

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artfactorystudios.com

831-688-8862

Parenting is "thrilling, exhausting, hilarious, fun, frustrating, rewarding.... and requires constant vigilance..."

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Tune up Your Parenting Skills


Workshops for  Parents with Babies to Teens

(Holidays) Halloween_DogasGrapes.jpg

 HERITAGE HARVEST FESTIVAL

State Park Wilder Ranch
Celebrate! The harvest is in. See tractor, draft horse and living history demonstrations, listen to music, make crafts, and ...
Date: 10/25/2014 from 11:00am to 4:00pm
Ages: All
Special Instructions: $10 parking

(Photos General) WilderRanchWagonride.jpgHeritage Harvest Festival - Saturday, October 25, 2014 from 11:00 a.m. to 4:00 p.m.
Decorate a pumpkin, take a wagon ride, try your hand at some old-time harvest activities, listen to live bluegrass and western music, learn to square dance, play cow pie bingo, enjoy hand-cranked pumpkin ice cream along with tons of other fun on the ranch in celebration of the harvest season from 11:00a.m. to 4:00p.m.


Location: Wilder Ranch , Santa Cruz Map
Phone: 831.426-0505 •website Santa Cruz West Side

Make it Fun!
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  Make it Fun!
Date:
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Bay Area Science Festival
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  Bay Area Science Festival
Bay Area Science Festival Discovery Day
Date: 11/01/2014 from 11:00am to 4:00pm
Details: Science shows throughout the day, with super-powered activities between shows.
Special Instructions: Rain or Shine!
City: San Francisco view all details >>
     
Thomas and Percy's Halloween Party
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  Thomas and Percy's Halloween Party
Roaring Camp Railroads
Date: Every Su and Sa (Oct 18-Nov 2)
Details: This year, for the first time ever, Percy will be joining Thomas the Tank Engine on the rails! Also...
City: Felon Phone: 831-335-4484 view all details >>
     
Make it Fun!
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  Make it Fun!
Date:
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Baby Sign Language Introductory Class
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  Baby Sign Language Introductory Class
Touch Blue Sky Baby Sign Language
Date: 11/11/2014 from 3:30pm to 5:00pm
Ages: Birth to 18 months
Details: Baby Sign Language Introductory Class
City: Santa Cruz Phone: (650) 571-0337 view all details >>
     
Make it Fun!
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  Make it Fun!
Date:
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Make it Fun!
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  Make it Fun!
Date:
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Make it Fun!
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  Make it Fun!
Date:
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Make it Fun!
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  Make it Fun!
Date:
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Chile Cookoff - 6th!
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  Chile Cookoff - 6th!
Beach Boardwalk
Date: 10/22/2016 from 9:00am to 4:00pm
Ages: All Ages
Details: Taste and vote for your favorite chile
Special Instructions: $9 for a tasting kit
City: Santa Cruz Phone: (831) 426-7433 view all details >>
     
Make a Difference Day
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  Make a Difference Day
Santa Cruz County 4-H
Date: 10/25/2014 from 10:00am to 1:00pm
Ages: 5 to 105!
Details: Make a Difference Day - Join us for tree planting on October 25th, at the Santa Cruz County Fairgrounds!
Special Instructions: Volunteers
City: Watsonville Phone: 724-5671 view all details >>
     
R.E.A.D.: Reach Every Amazing Detail
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  R.E.A.D.: Reach Every Amazing Detail
Library Central
Date: Every Mon from 3:00pm to 5:00pm
Details: R.E.A.D.: Reach Every Amazing Detail @ Downtown
City: Santa Cruz view all details >>
     
Make it Fun!
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  Make it Fun!
Date:
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