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Sign up here for our Monthly Newsletter!! <object width="425"
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height="344"></embed></object> Media Events The Jordan Rich Show / 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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If you have some power, then your job is to empower somebody else" - Toni Morrison
MISSION To empower children and their families with financial literacy life skills,
in a way that is proactive, unforgettable and fun. The CAN I HAVE SOME MONEY? children's book series, family and money workshops and merchandise
were created by Candi Sparks. The project was conceived when her family was faced with a catastrophic illness, and she
realized that in addition all the love, education and nourishment that children receive, they also need to know how
to handle money, in order to be successful adults. Materials
and workshops are available nationwide. Vendor is registered with NYC / DOE and has M/WBE certification. CONTACT INFO Location: Brooklyn, New York Phone / Fax: 866.556.2432 Send
an email here. MY STORY I was born in the poverty of the South Bronx. Although poor, my folks refused
any form of public assistance. Instead, they put their hearts and their heads together, to make a better life fo us.
They did not mistake their cirucumstances for their destination and they planned to achieve the American dream while we were
all still young enough to enjoy it. Growing up, my
older brother, younger sister and I, watched our parents deny themselves in the struggle to "make it."
They worked two jobs each, to provide for us. There were four jobs in the household - BEFORE it was fashionable.
I guess they were ahead of their time, becuase these days it seems that everyone has a day job and side hustle just to make
ends meet! Did I mention we had lots of love, attention and old fashioned discipline in our household?!
Eventually, the folks moved the family up the economic ladder
to the next wrung - a house in Queens! The entire time, I was acutely aware of how hard my parents worked (they were
always tired and we had to be quiet while they were sleeping). Do you know how hard it is for 3 kids to watch Saturday
morning cartoons being quiet!? My parents worked so hard and denied themselves in creature comforts, to
give the family bigger and better. I was determined that when I grew up, I would also have bigger and better!
But, like every other child ever born, I figured there must be an easier way to go about it. (Does that sound
familiar?) I was falling for what I was hearing from my friends and in the ads - that I could do it without working
so hard, or so long! I left home shortly after my college graduation,
ready to conquer the world! A decade later, I was working 6 days a week, had racked up $20,000 in credit card
debt (not including the car loan), didn't have any savings, and did not own any property. I was working 6 days a week,
yet I had nothing to show for my hard work. I wanted to have bigger and better, but all I "had" were the chains
of debt and a lifestyle financed by credit cards. The lesson I was trying to teach my parents backfired on me!
I had no concept that financial freedom ies in ownership, or that I should use my productive working years to accumulate the
assets I would one day need to retire comfortably. My only idea of money was that I should pay bills on time.
My borrowing and spending was out of control and even with two jobs, I was just over broke! Years later, I attended a seminar about women and money. I was so excited when I learned how
money works, and how I could get my money to work for me, that I changed my habits. I began thinking about owning
my financial destiny. I began saving and investing. My mental and spiritual transformation was so empowering that
I wanted to help others to do the same! I got licensed and began helping others. Oddly enough, as I took on more clients, I found that the 6 figure income clients were also the ones
with the biggest debt! The size of the financial mess had nothing to do with the size of the income. As
we would work on improving their situations, they would ask me what they could tell their children about money, so their kids
could avoid getting into the same mess. I appreciate these clients because their success inspired me, and they taught
me a lesson that helped me to develop the CAN I HAVE SOME MONEY concept - a financial education starts at home. And
since your paycheck doesn't come with instructions (and neither do your kids), without a financial education, the playing
field is level - regardless of the income! My journey has led me
to look at money in a generational context. My clients who were having trouble, wanted to know what to tell their children
avoid their parents' problems. This question caused me to reflect on my own life. What did my parents tell my
brother, sister and me about money? While my parents modeled a great love for the family, and a responsible work
ethic. they never talked to us about about money. No information was given to us about credit cards, savings,
buying property, loans, retirement, insurance, wills.... I learned about them from my friends and the TV. That's
not a failure on their part - things have become alot more complicated and money is handled very differently than it was back
in the day. Plus, my money issues were somewhat different from theirs. They would never have dreamed
of buying anything with "no money down." But that has become the norm, for some! Now that Americans have had a negative savings rate for several years, foreclosures are on the rise,
and an unprecedented number of baby boomers are entering retirement with under-funded savings, it might be a good time to
think about what this is teaching our children. Let's be proactive in helping them get the financial education they
need and deserve! If you have some power, then your job is to empower somebody
else" - Toni Morrison Candi is a wife and mother of two, holder of the Series 6 and Series 63 investment licenses, is licensed by
the Dept. of Insurance, and holds other certifications related to finances. She has helped individuals and
families on the road to financial freedom. The CAN I HAVE SOME MONEY? series was inspired by her own
children, and by other parents who wanted to help children learn the value of a dollar and give them a fun introduction to
handling money. Material on this site may not be copied, reproduced
or distributed without the express written permission of the author. This
website is intended for entertainment purposes and is not designed to provide professional, legal or financial advice
and the visitors to the site assume all liability for any harm, whether direct or indirect from the material on the site.
Professional help is available, but is beyond the intention, design and reach of this web site. Copyright 2006. Sparks Fly. CAN I HAVE SOME MONEY? is a trademark of Sparks
Fly. Toll Free: 866-556-2432
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