Girls get out the vote at Girls Inc.

If girls ruled the world, John Kerry would be our next president, at least according to the mock elections that took place Tuesday as part of the Girls Inc. “She Votes” campaign, an initiative to educate and empower girls and their communities in the 2004 elections.

Along with learning about the political process and the presidential candidates, the girls also helped register voters for the Nov. 2 election in which all 63 women in the House of Representatives are up for reelection, as are five out of 14 women in the Senate.

“You may be used to seeing young people at your door or in the mall asking you to buy candy or wrapping paper to invest in their future. Our girls will be asking something much greater, that you invest in their future by going to the polls on Election Day and casting a vote,” said Monica Spear, Executive Director of Girls Inc. “Participation in our democracy is the greatest gift we can give to the next generation. The choices that we make will shape the future that they will inherit.”

“Research shows that one of the strongest indicators that a young adult will vote is exposure to the polls as a child,” said Spear. “… We want to use our influence to change future trends and get girls and young women to the polls.”

Over 200 girls had a chance to experience the voting process first hand at Girls Inc’s Santa Barbara and Goleta sites.

Peabody Charter School fifth graders Grace Reynolds and Nicole Fernandez both said they planned to register to vote “for real” as soon as they turn 18.

When queried about whether they had talked about the election in school, Nicole said, “Yes, in a magazine. They have John Kerry riding an elephant and George Bush riding a donkey.”

In the election at the Santa Barbara facility, Monroe 1st grader Celena Rose had only 37 of the other girls join her in casting a vote for Bush. Harding School 4th grader Mercedes Padilla went with the 76-vote majority, because, “Kerry wants the world to be respectful.”

“He’s going to be a good president,” added Grace.

We’ll find out on Nov. 2 how in sync the girls are with the rest of the country. Nine of them voted for Ralph Nader.

For a chance to talk politics with some of the girls, why not join in the first annual Girls Inc. 5K Family Fun Run/Walk at the Lemon Festival on Saturday at Girsh Park. Registration begins at 7:30 a.m. with all proceeds going toward the final $1.25 million needed of the $7 million Capital Campaign to build a Girls Inc. facility in Goleta. For more information visit www.girlsincsb.org, call 963.4757 x14 or email edarby@girlsincsb.org.

Originally published in South Coast Beacon on October 14, 2004.

Ellwood teacher gets an A+ for Energy

While most teachers were kicking up their heels with joy at the end of the last school year, Ellwood’s Deborah Gans was digging hers in … to submit a last minute grant application. The effort paid off: last week global energy provider BP awarded Gans $10,000 to help teach her sixth grade students about energy and how it affects their lives.

The end of the school year is crazy for teachers, especially those with graduating sixth graders. “It’s total chaos,” said Gans, who didn’t even think about the “A+ for Energy” application until about June 22. It was due the end of that month. Gans said she just started dreaming about what she would do with her class if she had that $10,000, an unheard of program budget in these tight economic times.

Among the wish list projects Gans and her class will now get to see happen: the creation of solar cars and a solar car raceway; field trips to oil rigs, a sanitation plant and a landfill; creation of an electronics circuitry lab; and water wheels and wind energy demonstrations.

The other Ellwood sixth graders will also benefit from Gans’ grant. Each class will get its own electronics lab, digital camera and other specialized equipment. Sixth grade students will also design an online scavenger hunt and a coloring book for the primary students, to help share what they’ve learned about energy use and conservation.

Gans also plans to get the other Goleta Schools in the act by challenging them to a competition to cut the most electrical and water usage and recycle the largest percentage of reusable material. “The winning school gets a prize … it’s going to be an ice cream feed,” she said.

BP’s A+ for Energy program awarded $2 million in cash grants to 1,075 California K-12 teachers who use innovative ideas to teach kids about energy and energy conservation. The winning teachers and their principals, including Gans and Ellwood School Principal JoAnne Meade Young, attended a celebratory awards event Oct. 5 at Universal Studios’ Globe Theatre.

“The party was really nice and they even paid for our substitutes,” said Gans, showing off fun pictures of herself and Young starring with Marilyn Monroe, the Nutty Professor and Doc Brown from Back to the Future. “My favorite picture is actually this one,” she said. “They had a red carpet for us.”

“The program is all about enhancing teachers’ efforts to create a spark in a child’s mind, encouraging them to reach further, be creative and excel,” said Irene A. Brown, BP’s Director, California Community Relations.

Gans was the only South Coast teacher selected from more than 5,000 applications from all over California. Each grant recipient will also get a scholarship to attend a five-day energy training conference hosted by the National Energy Education Development (NEED) Project in Long Beach in the summer of 2005.

“BP (probably best known to Californians probably through ARCO, its West Coast gasoline brand) knows that teachers set the standard for excellence in education,” said Brown.

Sounds like an A+ to us.

Originally published in South Coast Beacon on October 14, 2004.

What Do They Mean?

Decoding the language of housing

Are you confused by the bureaucrat-speak often used to describe various housing elements and policies? We were, too, so we put together a glossary to help you understand the language.

Affordable Housing

In the city of Santa Barbara the term means households should not be required to pay more than 30 percent of their gross monthly income on rent and utilities, or 35 percent on house payments, homeowners’ association dues, insurance and property taxes, and that the unit should remain affordable to subsequent residents or owners throughout the term of the affordability controls. Specific affordability requirements vary depending upon whether the housing is for rental or sale.

Area Median Income (AMI)

The Housing and Urban Development Department determines the “Area Median Income” for areas throughout the nation, and updates the figure approximately yearly. Municipalities use this figure as a basis for calculating the maximum rents and maximum sale prices permitted under various affordable housing programs. The current annual AMI for a family of four in this area is $64,7000.

The city of Santa Barbara uses the following guidelines to define income:

Income Percentage of Category/Area Median Income

Very low Income 50% or below

Low Income +50% – 80%

Moderate Income +80% – 120%

Middle Income +120% – 160%

Upper-Middle Income +160% – 200%

Density Bonus

When a municipality allows development of a greater number of units than would normally be allowed under the existing zoning. In general, as a trade-off, some of the units on the site are then subject to rent restrictions or resale controls.

Inclusionary Housing Programs

Designed to increase the availability of housing opportunities for middle-income and upper-middle income households. Programs, which vary throughout the South Coast, include requirements for larger projects to provide a specified number of inclusionary units within the project or pay in-lieu fees to be used toward producing more housing at an alternate site.

Sweat Equity

A term used by Habitat for Humanity in which recipients of low-cost housing are required to put in a certain number of hours of labor to build the house.

Originally published in South Coast Beacon on October 7, 2004.

From the Single Files

What did Vieja Valley’s Ashley Scatena learn on The Bachelor? The reality of life is preferable to TV.

A kindergarten teacher straight out of central casting, Vieja Valley School’s Ashley Scatena is sweet, petite and charming. So what was she doing starring on ABC’s comical catfight “reality show,” The Bachelor?

It wasn’t to meet the man of her dreams.

It wasn’t the money; the women aren’t paid to participate. They even have to supply their own clothes.

It wasn’t the potential stardom; unlike many bachelorettes, Scatena has no ambitions to become an actress or a model.

Scatena was simply motivated by the opportunity to get a behind-the-scenes look at a reality TV show. She said the whole process was fascinating.

“I can’t watch a show the same way again,” she said.

She was particularly struck by how long it took to film a single scene. For example, the rose ceremonies — during which the women find out if they’ve been chosen by the bachelor to go on to the next round — took about nine hours to film and resulted in only about nine minutes of airtime.

Last week’s rose ceremony was the last one for Scatena, since Byron the bachelor did not choose her to continue.

While Scatena felt badly about not staying on longer, she was hardly heartbroken. She said she knew right away that the Las Vegas fisherman wasn’t the man for her, but figured she might as well enjoy the experience.

With 25 women sharing three small bedrooms and two bathrooms, and completely cut off from the outside world — no phones, no Internet, no television, no books, no magazines — it’s no wonder they became close friends.

“We spent 23 hours a day talking and getting to know each other. It was just a great way to bond with women my age,” said the 31-year-old. “And I realized that we’ve all had the same dating experience all over the country.”

Scatena’s looking forward to November, when the women will film a “Girls Tell All” episode and give the inside scoop on their experiences on the show. Right now they are not supposed to be talking among themselves, to help keep up the suspense — as well as the secrecy — of the show.

As for the over-the-top drama of some of the women, Scatena said they were mostly just playing to the camera and giving the producers what they wanted.

But being dramatic was the last thing Scatena wanted. Ever aware of her role model status — especially among her previous students — she was very careful not to do anything she would regret.

“These kids are my biggest fans, and they don’t even care that I was on TV,” she said, as two little girls shyly presented her with some yellow leaves. “Yesterday I got a marble and a paper clip.”

It’s hard to be a diva in a class full of 5-year-olds.

“My students are my saving grace right now,” she said. “When everything else is crazy you can come in here and tie 10 pairs of shoes and blow someone’s nose and open their string cheese, and you forget all about The Bachelor.”

Originally published in South Coast Beacon on October 7, 2004.

St. Vincent’s project digs into future for housing

170 affordable units will be ready in 2006

The largest affordable housing project in Santa Barbara’s history broke ground Wednesday. When completed in early 2006, the St. Vincent’s affordable housing project will provide 170 new low-cost rental units to the community, 95 of which will be reserved for low-income seniors, and 75 of which will be for low-income families.

The project, located at 4200 Calle Real near Highway 154, has taken more than seven years of planning, fund raising, negotiating and coordinating between St. Vincent’s Daughters of Charity, Mercy Housing, the city, the county, the Hope and Santa Barbara school districts, builders Melchiori Construction and Walton Construction, and various other government and nonprofit entities.

“Although they say it takes a village to raise a child, apparently it takes a universe to raise a house,” Sister Amy Bayley of Mercy Housing said as she thanked the many people who worked to bring the project to fruition.

The total combined cost of the housing development, improvements ments to existing administrative buildings, creation of an adult day health center, and establishment of an operating endowment is estimated at $57 million.

“Rejoice with us. The dream of providing a safe haven for families and seniors is finally becoming a reality. We are thrilled that we are able to respond to this need for the Santa Barbara community,” said Sister Alicia Martin of St. Vincent’s.

Part of the reason the project took so long to break ground was its 19-acre site, which has a creek running through it. The property also had to be annexed from into the city from the county in order to make it eligible for redevelopment agency funds, said city housing and redevelopment manager Dave Gustafson.

Mitigations to the school districts were another factor that had to be negotiated. Because the property feeds into the Hope Elementary School District and the Santa Barbara High School District, they will share the $400,000 development fee to help offset the cost of providing additional classrooms, teachers and other support for the students the project is expected to bring.

The Hope district only has three schools, so the impact of the estimated 60 additional students is much more significant than it will be on the high school district. In recognition of this, the St. Francis Hospital Foundation generously pledged an additional $150,000 to help the district, said school board member Michael Underwood

Even though St. Francis Medical Center closed before the St. Vincent’s project got off the ground, its owner, Catholic Healthcare West, still met the financial obligation to the schools, said Bayley.

The site is currently zoned as part of the Vieja Valley School District, although that might change.

“The board is always looking to make sure that the socioeconomic balance is spread as equally as possible within the district … so that will be something that we be re-evaluating … in addition to our enrollment that we have, and the availability at each of our three school sites,” Underwood said.

Mercy Housing will act as landlord for both the senior and the family units, and expects to begin taking applications late next year. Households with incomes at or below 60 percent of area median income ($38,820 for a family of four) will be eligible for the two-, three-, and four-bedroom family units. The one-bedroom senior apartments will be available to seniors with a head of household 62 years or older, with incomes at or below 50 percent of area median income ($22,650 for a one-person household or $25,900 per year for a two-person household).

Originally published in South Coast Beacon

Polo club hosts president’s cup this weekend

Santa Barbara Polo and Racquet Club, courtesy photo.

Santa Barbara Polo and Racquet Club, courtesy photo.

There’s still time to check out the “sport of kings” at the Santa Barbara Polo & Racquet Club. Continuing its 94th season, this Sunday is the United States Polo Association President’s Cup. The Wickenden Cup, held in honor of Ernest Wickenden, the very first local “star” polo player, will be on Oct. 10 and Oct. 17. All games take place at 1 p.m. and 3 p.m. at the 3300 Via Real in Carpinteria. General admission is $10 and kids under 12 are always admitted free.

Fans are also encouraged to come out on Saturdays for the next three weekends to see the teams in competition between 10 a.m. and 4 p.m. Although the announcer isn’t there to give viewers a blow-by-blow account, it’s still an exhilarating sport to watch.

Polo is one of the oldest sports in the world, with its beginnings in either China or Persia nearly 6,000 years ago. Each team is made up of four players, who each have six horses for just one game, so they have a fresh horse for each seven-minute “chukker.”

While watching the horses perform is exciting, the highlight for many is the Sunday half-time “Champagne Divot Stomp” where patrons are welcomed onto the field for a complimentary glass of champagne, or sparkling cider, while helping to push the divots from the horses hooves back in place on the field.

Originally published in South Coast Beacon on September 30, 2004.

New housing inches its way into town

Housing projects from Habitat for Humanity, the Mental Health Association and Hillside House are all inching their way to reality. Here’s an update on these three projects:

Habitat for Humanity of Southern Santa Barbara County cleared a final hurdle to start with plans to build three homes for low-income families last week when the U.S. Housing and Urban Development Department (HUD), backed by the Santa Barbara City Council, gave its final approval of a $240,000 loan to aid in the purchase of land on Via Lucero near upper State and Calle Real. It will be the first major building project for Habitat for Humanity here. Escrow was cleared last week.

Supported by local churches, corporations, foundation and individual donors, Habitat for Humanity has raised 70 percent of the nearly $800,000 needed to pay for materials, design and permit fees.

“I am looking forward to seeing many community volunteers out there swinging hammers,” said Mayor Marty Blum.

The organization will now recruit volunteers to help build the houses and determine who will live there. A requirement for homeowners is they must contribute 500 hours of “sweat equity” for construction.

The Mental Health Association in Santa Barbara County’s “Building Hope” capital campaign to build up to 50 units of housing has raised 58 percent of its $4.1 million fundraising goal, organizers announced this week. Half of the homes will be reserved for MHA clients and half for affordable housing for downtown workers.

As I understand it, in the recipe of capital campaigns, reaching that 58 percent goal is really significant, said executive director Annemarie Cameron.

The total project cost is $17.3 million but with the City of Santa Barbara’s commitment of $4.6 million in Redevelopment Agency funds, bond financing and the donation of all development costs by Bermant Development Company, only $4.1 million will come from fundraising.

In addition to housing, the new facility at 617 Garden St. will also accommodate the MHA offices, a resource center for families and the Fellowship Club, where people with mental health disabilities can meet for social time and life skills learning.

Hillside House and partners Bermant Development Company and the County Housing Authority have been working closely with neighbors and the Planning Commission to develop a master plan for the site at 1235 Veronica Springs Road. The conceptual proposal for the 26.74 acre site, reviewed by the Planning Commission this week, included 38 residential buildings with up to 127 homes, public pedestrian, equestrian and bike trails and 17.74 acres of open space with 9 acres developed.

I think the neighbors are not as worried as before, said Kirsten Ayers, spokeswoman for the development group.

The project is planned in two phases to ensure that the 59 residents of Hillside House will be able to remain on the property continuously. Groundbreaking is not anticipated until early 2006.

This story contains additional reporting by Sally Cappon.

Originally published in South Coast Beacon on September 23, 2004.

The first steps are the hardest

Photo by Tolmacho, Pixabay.com.

Photo by Tolmacho, Pixabay.com.

Whether starting out or starting over, the joy is in the journey.

I just started kindergarten for the third time, and it doesn’t get any easier. I also started writing this column at least three times and I’m not sure it got any better.

Firsts are not my bests. I probably had more butterflies in my stomach the day Koss and his humongous Yu Gi Oh! backpack walked into Vieja Valley School than when I first set my own shiny black Mary Jane-clad feet into Washington School almost — oh, my gosh — 36 years ago.

The reason I’m writing this column is because my dear friend and colleague, Sally Cappon, abandoned me to write a book, sort of like Koss’ preschool friends abandoned him for different elementary schools. I don’t know what I’ll do without Sally to help me spell Devereux and Glen Annie or her encyclopedic knowledge of Fiesta.

Change is hard. I was just starting to get the hang of my first kindergarten classroom at Crown Pointe Elementary in San Diego. Then my dad selfishly took a job at Santa Barbara City College and moved us here midyear, without a second thought as to who I would sit with at snack time. Thankfully Mrs. Moropoulos (whose son, Craig, is now the football coach at Santa Barbara High) was looking out for me that first day. She let me have the special honor of assisting her by wiping off the blackboard and cleaning the erasers.

There are no more erasers to clean.

Koss has a whiteboard in his classroom, two computers and 19 kids he didn’t know until that first day. I was terrified, but he took it in stride, promptly befriending Ben and Bob and telling me he wished he only had three letters in his name.

One of the most wonderful and alien things about being a mom is re-experiencing some of the memories of my childhood through the eyes of a little boy. Even though the chairs have shrunk enormously, they’re still made of that artificially shiny wood. I can almost feel my bottom skating across the seat every time he sits down.

Koss is fitting easily into his new school and tells everyone who asks how much he loves it. As I agonize over the contents of his Pokemon lunchbox (do I give him the Goldfish crackers I know he’ll eat or the celery sticks I wish he would), he sings his new songs (“To stop the bus in cases of emergency, you pull the cord …”) and chatters about how much better Ms. Geritz sings than I do. In reality, everyone sings better than I do, but he never noticed this in preschool, when all the bus did was have its wheels go round and round.

Koss is becoming more and more independent every day, which simultaneously thrills and kills me. It seems like yesterday I brought him home from the hospital and he already wants to be dropped off in the school parking lot to walk to class alone (over my dead body!).

While Koss learns to pronounce L’s and R’s in a way that people other than his dad can understand, I’ll be working on a way to put my own observations into a forum that entertains more than just my husband. I’ve got high hopes for this column, but even higher hopes for Koss as he sets off on this lifelong learning adventure.

But until he learns to read, I’m counting on the rest of you.

Originally published in South Coast Beacon on September 23, 2004.

Firefighters Alliance benefit features Travolta film

Santa Barbara Firefighters Alliance to host the premiere benefit of Ladder 49 at the Arlington Theatre Sept. 30

Ladder 49 poster

Ladder 49 poster

What started out a few months ago with a simple drink at Holdren’s, is quickly igniting into a new nonprofit, the Santa Barbara Firefighter’s Alliance.

“We should really try to do something to support the firefighters,” was Betty Stephens‘ initial thought after meeting with City Fire Captain Franc Chacon and County Fire Captain Dave Sadecki last spring. The idea quickly uh, caught fire, and soon Stephens had herself a working board of volunteers eager to assist local fire agencies by raising money to buy them the up-to-date equipment and safety gear the government no longer provides. The alliance also wants to assist firefighters and their families who suffer catastrophic circumstances.

The firefighters are always doing so much for everyone else, it’s just time we did something for them, said Stephens. “They’re the most humanitarian people as a group that you can find. … I think the firefighters are sort of like Sara Lee. Nobody doesn’t like Sara Lee and nobody doesn’t like the fire fighters.”

Many of the board members have themselves experienced the dangers that firefighters face every day. For example, Seymour Fletcher had his home on Refugio Road threatened by the recent Gaviota fire and Margie Niehaus and her husband survived the attack of the World Trade Center on Sept. 11, 2001.

It’s actually amazing what a broad spectrum of the community has have become involved in the organization because they’ve been touched by the work that firefighters do, said board member Andy Rosenberger.

Supporters include the students at Santa Barbara High’s Multimedia Academy. Senior Aimee Pepper designed the organization’s logo and is working with fellow seniors Chase Kidd and Michael Vierra to develop a website.

Initially the group planned to have its first event — the Fireball 2005 — in January, but board member Bruce Corwin, who owns the local Metropolitan Theatres, was able to get Touchstone Pictures to donate the firefighting-themed film for a benefit performance next week.

“We weren’t even counting on this Ladder 49 premiere,” said board member Arlene Geeb. “It’s just a wonderful thing that happened.”

The benefit screening of the film, which stars John Travolta and Joaquin Phoenix, will be held Sept. 30 at 7:30 p.m. at the Arlington Theatre, with a Chief’s Reception at 6:30 p.m. Tickets are $25 for general admission and $100 for preferred seating and the reception. Tickets are available at the Arlington Box Office, Ticketmaster outlets, by phone at 963.4408, or online at www.ticketmaster.com.

For more information about the Santa Barbara Firefighters Alliance call 967.6294 or 685.1432.

Originally published in South Coast Beacon

What’s your time worth?

Euro Coins Time Is Money Currency. maxpixel.freegreatpicture.com.

Euro Coins Time Is Money Currency. maxpixel.freegreatpicture.com.

Time and money are intricately linked and almost no one feels as if they have enough of either. While time spent working generally earns you money, increasingly people are investing that money to buy back some of the precious bits of their days.

The gateway to paying for convenience is often through the belly. Even people who wouldn’t dream of paying for a car wash or a manicure are willing to fork over the cash for pizza delivery.

“Our job’s basically to make your life easier,” said Pizza Mizza co-owner Sean Ebadi, whose company delivers beer, wine, ice cream, DVDs, diapers, cigarettes and other items along with pizzas. He estimates about 20 percent of his customers use the extended delivery services, with families as his largest clientele.

“I love all the delivery options in Isla Vista,” said Katie Davis, a mother of two who lives in nearby Storke Ranch. Her family also eats out a lot and when they do eat at home she often relies on prepared foods.

“When I’m busy, cooking is the first thing to go,” said Helen Evans, a single mother of two.

Eric Thomas, co-owner of Store 2 Door, has made a business out of shopping for other people. While the majority of his time is spent purchasing and delivering groceries, he’ll also pick produce at a Farmers Market, get prescriptions at drug stores and select gifts at department stores. Many of his customers began the service when they were sick or recovering from surgery, had new babies or other reasons they couldn’t leave their houses, then converted into regulars as they got hooked on the convenience of leaving the shopping to someone else.

Businesses are also taking advantage of these timesaving services. When Leslie A. Lund started Lundann Express more than 20 years ago, her business was primarily errands and deliveries. Over the years she’s picked up and/or delivered a bird from the veterinarian, a poodle from the groomer, urns of ashes from the airport, and even a six-pack of Budweiser (on doctor’s orders) to a patient at the hospital. Now, however, most of her revenue comes from businesses, which book her drivers for regular daily pickups of documents, mail and bank deposits.

“Companies don’t want to pay their secretary to do something we can do more efficiently,” said Lund.

Once considered a luxury, home-cleaning services are now moving into the realm of necessity, said Joanne Stafford, owner of the Cleaning Dolls. Over the past 14 years she’s seen a dramatic increase in business, more than 50 percent, she estimated.

“Stress has really played an extra role in people trying to keep all those balls in the air,” she said, adding that her service really increases the quality of life for people. “It frees them up to spend time with their kids.”

Davis agrees. “I resisted having a house cleaner at first, it was really hard to change,” she said. “But now I can’t imagine how I lived without it.”

Some cleaning services also provide laundry service, a temptation in itself.

“I try to buy all of the same kinds of socks, so I don’t have to match them and I send my shirts to the dry cleaners, so I don’t have to spend time ironing them,” said Dr. Michael Bordofsky, a father of four.

Several area dry cleaners also offer pickup and delivery service, making the process even more convenient. Davis takes laundry efficiency a step further by only buying wash-and-wear clothing. “No ironing, no dry cleaning, period,” she said. It’s survival of the fittest at her house. If a label says, “dry clean only” she’ll throw it in the washer and take her chances.

While most of us would love to stop doing laundry, sometimes even fun chores like walking the dog need to be delegated to others. That’s where Suzy Godsey comes in. Her company, the Happy Dog, will exercise dogs, housesit for them and occasionally even take them to the vet. She said her typical customers are working professionals who just need some help.

Paperwork is another time-consuming area some people are willing to pay to avoid. While CPA services are becoming standard at tax time, many people are also turning to automated bill pay or money managers to deal with their monthly expenses. Ph.D. Organizational Services, owned by Dawn Hampton, takes this service a step further by managing people’s health insurance claims for them.

Hampton’s clients are typically professional people who are extremely busy and want to make sure they are getting what they’re supposed to from their insurance.

“Life is so busy, you can’t read all the documents that come in the mail,” she said. “Having someone else to deal with it gives you piece of mind. … It’s definitely less stressful to just give it to me and let me worry about it.”

Talking dollars and cents with children

My grandpa used to tell me “money doesn’t grow on trees.” Now we have to teach our children it doesn’t grow from ATMs either. Here are some ways to help teach kids the value of money.

• Communicate with children as they grow about your values concerning money — how to save it, how to make it grow, and most important, how to spend it wisely.

• Help children learn the differences between needs, wants and wishes. This will prepare them for making good spending decisions in the future.

• Separate the concepts of investing and saving. Teach savings with the traditional piggy bank or passbook savings account. Don’t forget to add interest in the form of a few pennies for every quarter they save.

• Let your children make money decisions from an early age. Sit down and work out a budget based on necessities and discretionary choices.

• Make sure your child understands the connection between work and paychecks and taxes.

• When your child is at an appropriate age, encourage him or her to get some work experience.

Originally published in South Coast Beacon on September 23, 2004.