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News Radio WBZ1030 featured Candi Sparks on 12/22/07 - How to stay out of debt this Christmas. Thank you Jordan!!! To Clean Up Holiday Debt, DO: Leave the credit cards at home. click here to continue. Workshops ...are fun
interactive teaching about money, with the brain and the emotions in mind. Titles and content include: Check It Out!
Banking, checking and savings for Elementary School, Junior High School.
What\'s In Your Wallet?
Electronic Payments, Identity Theft, Risk and Lost associated with each for Elementary School, Junior High School, High School
Grown Up? Own Up! Credit Cards, Debt, Taxes, Responsible Savings and Spending Wisely for High School,
Adult
Family Money Workshop How to function successfully as an economic unit for Families
Kids and Money
Talking to children about money, teaching kids the value of a dollar, allowance, avoiding financial mistakes, instant gratification.
Content will be leveled for audience. Good for all ages - Children, Teens, Adults, Families.
Max Gets It!
Allowance, asset allocation, impulse buying, instant gratification, budgeting, planned spending, opening a bank account, owning
a business for Elementary School
Nacho Money Checking, Debit Cards, Credit Card Debt, Savings,
Income, Budgeting for Elementary School (4th & 5th grades), Junior H.S., High School
Money Doesn\'t Grow on
Trees! Creating Money consciousness in children without turning them off for all levels.
Financial Literacy Changes Lives 
Food for thought
- how would your life be different if you had been given financial literacy tools when you were growing up? What can you do
to improve the chances of success for the children you care about? In my opinion, we are not properly preparing
our children for the real world, if we do not give them a proper financial education, before they leave home. Maybe it's because
we can't teach what we don't know. Adults are struggling themselves, and may not feel qualified to teach the subject of money.
Or, maybe they feel "negatively" about money, in general. If so, adults owe it to themselves to seek the help that
they need. You have to help yourself before you can help them. Another reason that many are reluctant to giving
children advice about money, is that today children are very "sophisticated." They don't like to be told what to
do. So what!? No one does- especially when it comes to money. But, we teach children to eat vegetables and cross at the corner
for their own safety - whether they like it or not! So, let's teach them about money, before they go off and get into financial
trouble on their own. Let's be proactive, for their safety! I think children stand a better chance, if we provide financial literacy, from an early age.
In addition to the basic teaching about money in math class, we can teach them how to shop, budget, plan their spending and
set financial goals. At some point, when children have money of their own (such as an allowance,
getting a neighborhood job, gifts or "reward" money), they can make their own spending choices. Through trial and
error they can develop good money habits. We can help with through our own experience and helping them to have discipline.
Everything is easier when someone believes that you can do it. Let's help them understand money. Before it's too late!
A Few Things I Think Children Should Know, Before They Leave Home In my opinion, they are more likely to succeed
financially if they have already had some teaching, experience and discipline in: How to set and stick to a budget. How media and advertising affects them. The difference between a want and a need. The difference between debit and debt. How
electronic transactions work. How to use credit wisely.
That loans come with interest. How to set a financial goal and reach it. How to pay yourself first. How
to write a resume. How to look for a job. How to conduct themselves on an interview. How to keep a checking account. How to balance a check book. How to evaluate benefits package. How
to shop for the best price / value. Understand insurance
(life insurance, auto insurance, etc.) The importance
of charity. How to protect their identity. What investing means. The difference between savings and investing. What is meant by an investment risk. Why
it is important to plan for retirement, before you get there. Provider is a certified M/WBE, NYC vendor and DOE vendor. "CAN I HAVE SOME MONEY" is a trade mark
of Sparks Fly. Copyright 2006. All rights reserved. Contact toll-free by telephone at (866) 556-2432 or email
$ Tips on Getting out of Holiday Debt Most people don't plan to stay indebt, they simply fail to plan a way to become debt free. When
it comes to debt, what is your plan? Remember, learning to handle money properly involves
teaching with the brain and the emotions in mind. To get out of holiday debt do: Buy only what you need.Make cash purchases
only. If you can’t pay in cash, you really can’t afford it.Brown
bag your lunch and eat at home. Negotiate lower interest rates
(if you pay on time and more than the minimum). Find more money
– were there any rebate offers on your holday purchases? Did you submit all of your flexible spending expenses from
2007?Figure out how to lower your bills. Review and analyze your expenses
– can you get a better deal on your cell phone?Figure out what
you can do yourself – do your hair, nails and clothing repairs, and your own home repairs.Make gift returns or exchanges right away – some stores set a time limit for holiday merchandise to be returned
or exchanged! Plan the next holiday season WAY in advance, so you won't
feel this way a year from now! To Clean Up Holiday Debt,
DON'T Borrow more money to pay off the other debt! Ignore the bills – missing a payment will only make matters worse – you will
incur a penalty and may even trigger other lenders to raise their rates. The credit reporting agencies will pick up this information
and it may come back to haunt you.Lose sight of your goal of being
debt free! It's worth it!
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Everyone Loves CAN I HAVE SOME MONEY Reviews and Photos Questions from the Audience Target Audience / Purpose From a young age, children learn that having money can make them feel loved and powerful. They want money
for treats like candy, toys, and gum - the things that satisfy the child. Money is equated with personal satisfaction.
There is an emotional link to money and personal satisfication when they start asking, "CAN I HAVE SOME MONEY?"
If you don't agreee - watch what happens in the supermarket check-out line when young children start eyeballing the gumballs
and plastic toys! They understand that having money (and the things it can buy), can lead them to feeling good about
themselves. They also tend to feel very positively about the source of that money. They will ask and demand, "Can
I have some money?" during the entire store check-out process. They children ask for money to get something
that makes them feel good. On the other hand, the lack of money
(or the things it can buy), can leave children feeling miserable and vulnerable. They have a negative emotional reaction.
When they ask for money and are told, "No," they feel badly about you (because they think you have an unlimited
supply of money and can just go get some more of it), and they feel badly about themselves. Then you feel guilty
and might be tempted to cave in. Most of the time, the battle is usually focused on the extra things a child wants,
but not always. Sometimes, it is just that the child is asking at a bad time. When families face a financial crises
(lay off, unemployement, medical situation, etc.), it affects the how money is allocated to the needs of
family. At times like this, families might not be in a position to get the things they or want, or need.
Like it or not, an emotional link between money, self-esteem and the potential source of money is generally established
in childhood. At first, the source of the money for children
is the parent or caregiver. As children mature and grow, the potential sources of money expand t include the jobs, employment,
credit card, the bank, credit union, etc. In the golden years, the source of money shifts away from outside sources
toward whatever funds the retireee has been able to accumulate during the working years. "Can I have some money?"
is a question that is first asked in childhood, and takes a lifetime to answer! Looking at the current rates of household debt, pay day loans, foreclosures and poorly funded retirements, it seems
that our society is not not doing a very good job of handling money. Unless we take proactive measures within the family
to counteract negative messages about money, where does this leave our children? They
need and deserve a financial education! Wouldn't it be great if from
the beginning, children got teaching about money with the brain and the emotions in mind. What if we taught them about
money in a way that (1) does not equate money with self-esteem; (2) gets them to stop fighting with
you about money; and (3) teaches children about third-party money [credit, loans and borrowing] as well as growing their
own money [savings, planning and investments], before they reach adulthood? Not from an organization that is trying
to "sell" a financial service, but from one that is committed to keeping the dream of financial freedom alive.
It can be done. As they mature, here are a few areas you might want to give your kids a "heads up" on, over
time, before they leave home. If you want your family to know more about finances
than "Money doesn't grow on trees!" but don't know where to get the next lesson... "CAN I HAVE SOME MONEY?"
Workshops & Books are for those born with a plastic spoon in their mouths, who want to trade up for bigger and better! Everyone Loves CAN I HAVE SOME MONEY?! Photos & Reviews Target Audience / Purpose Questions from the Audience Workshops
CAN I HAVE SOME MONEY? Volume 2 Price:
US $9.99 shipping & handling included. Tax is additonal. This is 24-page illustrated book, introducing
kids to financial concepts like budets, savings, credit, credit cards and more! Shows how the family functions
as an economic unit. Charming Illustrations by William Graf. Good parent child reading activity or for family
money workshops. ISBN 978-0-9789445-0-6. Library of Congress Control No. 2006910385
Target Audience / Purpose Any
group or organization that has the purpose of empowering its members to succeed financially, is the target audience. We are
also looking for an audience that wants to be stimulated and challenged. This is not about being another financial "talking
head". No one wants to be "told" what to do when it comes to money. People do want to discover what their options
are, and to go home and try out for themselves, what does (or doesn't) work. Programming that is fun, informative and user-friendly
is highly effective. "CAN I HAVE SOME MONEY?" is well suited for: - Schools, PTA's, Parent Coordinators
- Community or Private Organizations
- Family Money Workshops
- Parent
Empowerment Workshops
- Libraries and Adult Education
- Financial Literacy for Family and Youth Programs
- Enhance Cirriculum,
Classroom Support, Enrichment
- Professional Development
- Faith Based Organizations
Questions From The Audience Q: Should children get an allowance? A: 99% of 5th & 6th graders surveyed said, "YES!" But, they also think that an allowance
could be conditioned on any one of these three criteria: good grades, good behavior or doing chores. They want to "earn
it" in some way. Q:
When should I have "THE MONEY TALK" with my child? A: START
NOW because it takes more than one conversation. Like reading, writing, cooking and any other life skill,
money is going to take more than one conversation, before children understand it. First money is learned as a
math lesson - this is teaching with the child's brain in mind. Yet, money is also emotionally charged! It takes time
to learn the difference between wants and needs - and to chose discipline over instant gratification. Both are important!
It takes time for the mind and emotions to catch up. From the first time they ask, "Can I have some money?
children are open to learning about money and caregivers are in the best position for teaching the subject with brain and
the emotions in mind.
Q:
My teenaged daughter wants a new shirt to wear to school for Valentine's Day and I don't have the money for it.
What should I do? A: Tough one
- a teenager that wants something that you want to give to her, but you don't quite have thhe money for it in your budget.
It would be great if your daughter was clear on the difference between a "want" and a "need", and
would understand that you don't have it. But, since she is emotionally involved and expects it (it doesn't seem that
you have discouraged this or said "no" to the new shirt), it seems that you are both committed to this goal.
And since money involves teaching with the brain and the emotions in mind, you will have to come up with the shirt, but also
manage her expectations around it.
You may have to narrow her choices into the affordable category and shop around to find something that is on sale.
Better yet, maybe you two can get creative - get a white or pink t-shirt and and applique (like an iron on, or sew on)
of a glitter heart accessory from the notions shop. Make giving her the shirt be about accomplishing a goal together
in a creative way - make it fun, but also make it clear that there are boundaries about getting this new thing.
Respect her, and yourself. And since it's for Valentine's Day - do it with love!
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CAN I HAVE SOME MONEY? Vol. 3 MAX GETS IT! For grades 2 - 5.  This 32-page illustrated book introduces
earning an allowance, impulse buying, budgeting, savings and banking. Price: 9.99. Tax, shipping and handling are additional.
ISBN-13: 978-0-9789445-1-3. Library of Congress Control No. 2006910385. CAN I HAVE SOME MONEY is a trademark of Sparks Fly. Copyright
2006. All rights reserved. Contact by phone: (866) 556-2432 or email
Reviews & Photos  President Bill Clinton, with Candi Sparks (Public Speaker & Author
of "CAN I HAVE SOME MONEY?" with a millionaire in the making.  Council member Bill deBlasio
with Candi Sparks, Speaker & Author of "CAN I HAVE SOME MONEY?"
"CAN I HAVE SOME MONEY" by Candi Sparks, is a readable,
entertaining little book that is an excellent way to introduce children to the issues of budgeting, saving, credit and other
grown up money matters." Bill
de Blasio, New York City Councilmember "Oh,
this book is so adorable! "CAN I HAVE SOME MONEY?" I love that title! That\'s what everyone around here is asking. I
am going to read it to Kevin!" Wendy Williams, WBLS Radio Personality and
"Queen of All Media"  "This is perfect for my son! I love this!"
Parents at the 2007 UFT Citywide Parent Conference in NYC love
CAN I HAVE SOME MONEY? Read
an online review at Bookideas.com
 Everyone Loves "CAN I HAVE
SOME MONEY"
| $ Money brings out the little kid
in all of us and reconnects us with our "inner child." This is because our basic attitudes, behaviors and values regarding
money are learned at an early age, in the home. The CAN I HAVE SOME MONEY books and workshops take us back to a time of innocence
when money was about fun and wonderment. It is easy to talk about money issues in a CAN I HAVE SOME MONEY workshop.
$ From a young age, children develop an emotional connection to money. They understand that money
makes them feel powerful, while the lack of money can leave one feeling vulnerable. CAN I HAVE SOME MONEY teaches about money
with the brain and the emotions in mind. $ The media both perpetuates and manipulates
our feelings about ourselves and our money. CAN I HAVE SOME MONEY will "break it down" so that you can see where the emotions
are being manipulated and what the real choices are! $ Once asked, the question, "CAN I
HAVE SOME MONEY?" becomes a lifelong question. Whether interviewing for a job, buying a home or facing retirement... the question,
"CAN I HAVE SOME MONEY?" is perpetual. So thinking about money has to be a solid process. The workshops deal with teaching
about money with the brain and the emotions in mind. $ Teaching about money involves a lot
more than basic math! Financial literacy requires teaching with the brain and the emotions in mind, which helps individuals
to distinguish between wants and needs, and facilitates consumers in setting and reaching financial goals. $
Most adults never balance their checkbooks. CAN I HAVE SOME MONEY - Check it Out! Teaches children the basics of a checking
account and how to keep the books balanced! This is accounting book keeping for kids. Don\'t you wish someone helped you
(or someone you know) with that skill? |
CAN I HAVE SOME MONEY is a trademark of Sparks Fly. Copyright
2006. All rights reserved. Contact by phone (866) 556-2432 or email |
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