Allen Family Magazine issue 6

24
Residential Customer Allen, TX PRSRT STD U.S.POSTAGE PAID McKinney, TX Permit No 146 November/December 2008 magazine Dreaming of a Green Christmas A Gift in Every Jar Holidays for Divorced Parents ANNUAL Cover Photo CONTEST

description

Allen Family Magazine issue 6

Transcript of Allen Family Magazine issue 6

Page 1: Allen Family Magazine issue 6

Residential CustomerAllen, TX

PRSRT STDU.S.POSTAGE

PAIDMcKinney, TXPermit No 146

November/December 2008

m a g a z i n e

Dreaming ofa Green Christmas

A Gift inEvery Jar

Holidays forDivorced Parents

ANNUALCover PhotoCONTEST

Page 2: Allen Family Magazine issue 6

2 Allen Family Magazine November/December 2008 www.northtexasmagazines.com

Table of ContentsNovember/December 2008 - Issue 6

Publisher/Editor:Vanessa Ximenez

[email protected]

Art Director:Marlina Rahman

[email protected]

Photographer:Michael Rivera

[email protected]

Contributing Writers:Janet GroeneJodi Helmer

Heidi Smith LuedtkeMarcia Lynne

Belinda MooneyDiane O'Neil

Brette SemberMartha Wegner

North Texas Magazines, Inc.972.547.6261

www.northtexasmagazines.com

5 Make a Gingerbread House and Make a Memory

10 Dreaming of a Green Christmas Make your holiday celebrations more eco-friendly

12 A Gift in Every Jar

20 Holidays for Divorced Parents

22 What to Teach Your Kids About Credit

Features

Allen Family Magazine is a product of North Texas Magazines, Inc.Copyright 2007, exclusive of proprietary ads and artwork designs. All rights reserved. No portion may be reproduced in whole or in part by any means without prior written permission from the publisher. Placement of advertising is not a personal endorsement by the publisher or its representatives, and no liability arising therefrom is assumed.

5

12

20

Make a Gingerbread House and Make

a Memory

A Gift in Every Jar

Holidays forDivorced Parents

On the Cover:Finley is a happy 17 month old who loves

puppy dogs and books.

Cover Photo:Michael Rivera

www.michaellouisphotos.com

Page 3: Allen Family Magazine issue 6

972-727-3941www.allendentist.com

300 W. Boyd DriveAllen, Texas

(Next door to the Allen Post Office)

Cosmetic Dentistry • General Family Dentistry • Sedation Dentistry

Discover Drs. Jeff and Steve Williams

and their special brand of quality care

at Allen Dental Center.

We use only the highest-quality dental

products and services, and we will

strive to provide you the level of treatment and comfort we

would want for our own family.

The Williams Family

Page 4: Allen Family Magazine issue 6

4 Allen Family Magazine November/December 2008 www.northtexasmagazines.com

Publisher’s Note

Photo Submission Guidelines:

▪ Send or drop photos to: North Texas Magazines, Inc. 808 S. College Street, Suite 112 McKinney, TX 75069

▪ Include name, age, and phone number on the back of each photo.

▪ Kids must be residents of Allen area and between the ages of newborn - 16 years.

▪ Photos must be received by December 10, 2008 and will not be returned.

▪ One photo per child.

▪ Cover winner will receive a free professional photo shoot and will appear on the front cover of the january issue.

2009 AFM Cover Photo Contest

It’s the most wonderful time of the year! And with that being said, it’s time to begin preparations for all this season brings – baking, parties, decorating, shopping, and a little time for reflection. However, this year may be a little different than previous years regarding finances and budget. While there may not be as much disposable income, you can still have the best holiday season ever! On page 12,

read about Gifts in a Jar. Rather than buying the typical tie or perfume, you can create gifts that are not only perfectly packaged, but also delicious. With gifts in a jar, simple ingredients and a few instructions will provide a unique present that is sure to be a big hit. In addition, the whole family can take part in the preparations. And speaking of fun for the entire family, on page 5, read about Making a Gingerbread House with your kids and making lots of exciting memories. Whether your children choose to create a traditional house or plan for something off-the-wall, they are creating memories that will last a lifetime and traditions they’ll pass onto their children. Finally, if you are a divorced parent and will be coordinating a holiday schedule with your ex-spouse, on page 20, read about simple strategies to ensure happy holidays for everyone involved, especially your children.

Happy Holidays!

Vanessa Ximenez

Page 5: Allen Family Magazine issue 6

www.northtexasmagazines.com November/December 2008 Allen Family Magazine 5

Make a Gingerbread House and Make a Memory

The holiday season is all about making memo-

ries with our families. And there is no better

way to do that than spending time together

making gingerbread houses. Not only do you

get to spend time with your kids but you have a

work of art when you are done.

Included here are two recipes - one for those of us who are short on time or have very young children. Graham crackers make wonderful prefabricated gingerbread walls. The other is for those who want to go the whole route, from start to dazzling finish.

Keep in mind you can use any candies or decorations you want. Those listed are suggestions.

Easy Gingerbread Cottages by Nestle©

Supplies:• A sturdy piece of cardboard or a wood board, approximately 12 inches x 12 inches • Wrapping paper to cover board (optional) • Double-sided cellophane tape • Cellophane tape • 1 pint milk carton, emptied

• 1 box of 2 1/2 inches x 5 inches graham crackers • 1 16-oz can of pre-made frosting. White for snow and any accent color you choose. • 1 14-oz. bag of flaked or shredded coconut • A variety of NESTLÉ Candy. We suggest: NESTLÉ JINGLES, SPREE Candy Canes, Mini Chewy SWEETARTS in Holiday Dispensers, Giant SWEETARTS, SNO-CAPS, WONKA GOBSTOPPERS, WONKA NERDS Ropes.

Instructions• Empty contents of carton and tape carton opening shut.• Cover the cardboard or wooden base with wrapping paper (Optional). • Secure carton to base with double-sided tape. • For the sides of the cottage, carefully break 4 graham cracker sheets, along the scored line, into fourths, for a total of 12 pieces. Set aside. • For the roof of the cottage, break each graham cracker sheet in half along the scored line for a total of 2 pieces, one for each side of the roof. Set aside. • Now frost the entire carton. Place 3 of the smaller graham cracker pieces, horizontally, onto each side. Place 2 of the larger graham cracker pieces on each side of the top of the carton, to create the roof.

By Belinda Mooney

Page 6: Allen Family Magazine issue 6

6 Allen Family Magazine November/December 2008 www.northtexasmagazines.com

• Using the frosting as “glue”, place SNO-CAPS in rows to create snow covered roof shingles. Wrap the NERDS Rope around the edges of the side of the carton and secure with frosting. Place 3 red Mini Chewy SPREE in the center above the NERDS Rope. Repeat on other side of cottage. • For the front of the cottage, use 5 green Mini Chewy SPREE to create a round wreath below the center of the NERDS Rope. Break off 2 rounded ends of unwrapped SPREE Candy Canes and put them together to create a horse shoe shape for the front door. • Unwrap SPREE Candy Canes and break them into 2-3/4” lengths. You will need four of these pieces. With frosting, glue one SPREE Candy Cane piece under the roof and one at the base of the cottage on both sides (the sides which do not have the NERDS ROPE decoration). Secure 2 to 3 red Mini Chewy SPREE to each side to represent windows.

Now it’s time for the landscaping:• Frost the board. • Using green foil wrapped NESTLÉ JINGLES, use frosting and “glue” one on top of the other to create trees. • Make a colorful “cobblestone” walkway using Mini Chewy SWEETARTS kept in place with the frosting. • Break unwrapped SPREE Candy Canes into 1” pieces to line the walkway. Use 3 to 4 pieces on each side. • If desired, line the edges of the cardboard base with NERDS Rope.

Sprinkle some shredded coconut “snow” around and your cottage is ready for visitors!

Traditional Gingerbread HouseThis traditional gingerbread house is courtesy of Del Lago Resort’s Executive Chef Mike Wallace.

Before you get started, use cardboard or heavy poster board to draw out your templates. Test by taping the pieces together. If the cardboard house stands, it is a safe bet that your gingerbread house will too. • Roof - Two rectangles (11” X 7”) • Sidewalls - Two rectangles (5”X 8”) • Frontandbackwalls - (Base 5”, total height 9”)

Dough ingredients:• 1 cup soft butter • 1 - 3/4 cup brown sugar • 1-1/4 cup white sugar • 2 tablespoons molasses • 6 eggs • 6 cup all-purpose flour

Directions:1. pray non-stick spray onto baking sheets and pre-heat oven to 325 degrees. 2. In a large bowl, cream the butter and sugars. Beat in the molasses and eggs.

• 2 teaspoon baking soda • 1 tablespoon ginger • 1 tablespoon cinnamon • 3/4 tablespoon allspice • 1 teaspoon nutmeg

Stamped Concrete & Exteriors of Texas“Family owned & operated for 31 years”

“Let one contractor help you create your outdoor living paradise”

Your Vision • Our Creativity • Your Backyard Oasis

Licensed • Certified • Bonded

Stamped Concrete• Patios• Driveways• Slabs• Pool Decks• Retaining Walls

Outdoor Living• Arbor, Cabanas• Custom Built-ins• Grills, Bars,

Kitchens• Pools, Spas• Waterfalls, Ponds,

Stonework• Lighting• Fire Pits

Acid Stains• New, Existing• Custom Scoring Designs• Borders• Restoration, Resealing

972.672.5359 • [email protected]

Page 7: Allen Family Magazine issue 6

www.northtexasmagazines.com November/December 2008 Allen Family Magazine 7

Harmony Family Health

• Holistic Family Practice• Patients of All Ages• Medical Acupuncture• Alternative Vaccine Schedule• Orthopedics - Waterproof casts• No Scalpel Vasectomy• Prenatal Ultrasound

Daniel J. Chartrand, MD

406 West Main Street • Allen, Texas 75013www.harmonyfamilyhealth.com(972) 977-7496

photo by Wendolin Mercado - www.wendolin.com

3. In another bowl, sift dry ingredients. Gradually add the dry mixture to the molasses mixture and knead into a smooth ball. Cover and refrigerate for 30 minutes.4. On a floured surface, roll out some of the dough to a 1/4 inch thickness. Use the templates to cut into desired shapes and place on baking sheet. 5. Bake in the oven for 15-20 minutes. Place on racks to let cool completely.

Icing Ingredients: • 3 large egg whites, room temperature• 4 3/4 cup powdered sugar• 1/2 teaspon cream of tartar

Directions:1. Place egg whites in bowl. Add cream of tartar. 2. Sift sugar directly onto egg whites. Beat four minutes with electric mixer on high speed. The mixture will thicken as you beat it and when finished should be the consistency of mashed potatoes. 3. Place a piece of plastic wrap directly over icing while using to prevent air from drying it. If icing becomes too firm, simply beat a little water into it.

Decorating:1. Place the icing in a pastry bag and generously squeeze it in a 90 degree angle along your base. Place one side wall and the back wall in the icing and hold till it sets (approx. 15 minutes). Repeat with remaining walls.

2. Let the walls set for at least 30 minutes before attaching the roof.3. Use the extra dough for chimneys, windows, doors, etc.4. Stained glass windows can be made from crushed hard candies. In the unbaked dough, cut the window hole and sprinkle in the candy pieces. Bake the candy chips with the gingerbread house to create a stained glass effect.5. When house is thoroughly dry, any and all types of candies can be used for decoration. Just let your imagination run wild. Use the remaining icing to attach the candy decorations.

NOTE: The icing is not for eating, it contains raw eggs.

Belinda Mooney is a freelance writer mainly focusing on parenting and family issues.

Page 8: Allen Family Magazine issue 6

8 Allen Family Magazine November/December 2008 www.northtexasmagazines.com

JustacrosstheOklahomaborderandashort2.5hourdrivefromAllen,TexasisafamilygetawayfewpeopleknowaboutinNorthTexas.Formyfamily,it’sourweekendhomeawayfromhome.

Typically, my two kids (Tyler, 12 and Emma, 9) are glued to the TV, a video game or the family computer. As an active mom, I’m always looking for a way to stay connected with my husband and children, without connecting to an electrical outlet.

A few years ago, a friend of mine suggested I travel northward to McCurtain County, Oklahoma… to the Beavers Bend State Park and Broken Bow Lake area located in Southeast Oklahoma.

On that advice, we went… and we fell in love with the entire county. There are quaint little towns like Idabel, Broken Bow, Valliant and Hochatown that offer shopping, great restaurants, museums, water activities, hiking, biking…. you name it. McCurtain County offers something for the entire family – both outdoors and indoors. Thankfully, it is everything the mall and typical family getaway isn’t.

Since that time, we’ve made it a point to visit once or twice a year. Adding to the attraction and allure of McCurtain County are their “Indian Summers.” Due to the foliage and soil content, McCurtain County stays “green” deep into the fall. But when fall does hit usually around the second week in November… it is a county-wide splash of showing fall foliage that is second to none.

Being a creature of comfort, I was thrilled to learn that McCurtain County features a wide variety of lodging – ranging from the small and rustic cabins, to a lodge overlooking the lake, to motels and large and luxurious cabins in the deep pines. You’ll find clean, comfortable cabins with spacious rooms, big beds, brand new and clean show-ers and hot tubs. Thanks to my wonderful husband, who is willing to watch our children, I’ve been able to plan a few “girls weekends” with a few friends. We leave our “mom” duties at home, rent a great cabin, visit the local winery and take a break from the routine.

My husband and I were married on Valentine’s Day. We’ve found the winter months of January and February in McCurtain County to be the ideal place for that fireplace-romantic-husband-and-wife weekend.

Real mountains, luxury cabins and a family getaway are2.5 hours away from Allen, TX. - By Marcia Lynne

Ideal Family Getaway

In today’s tough economic times, we love the idea of an affordable “staycation” that’s less than a gas tank away. Located in the Kiamichi Mountains, your family just won’t believe that a place so wonderful and beautiful is so close to home.

A couple of restaurants you will want to check out are Steven’s Gap Restaurant, Highway 259 North, Broken Bow, OK 580-484-6350 and a little more upscale Abendigo’s in Hochatown, OK 580-494-7222.

As for a wonderful cabin, your family will enjoy staying in the OKeHI cabin rented by The Cabins in Broken Bow - www.cabinsinbrokenbow.com. 580-212-3555.

For more information on McCurtain County, Oklahoma, visit www.mccurtaincountygetaways.com.

Marcia Lynne is a free-lance travel writer based in the DFW area.

Couples will find the secluded cabins in the tower pines of McCurtain County, OK.

the ideal romantic getaway.

The fall foliage and changing colors in McCurtain County, OK. are among the country’s best - just a short drive northeast of Allen, TX.

Just one of the many affordable and luxuriously appointed cabins available for a weekend

getaway in McCurtain County, OK.

Outdoor

1. Bald Eagle watching along the sheer cliffs of Mountain Fork River

2. Pet a snake at the Beavers Bend Nature Center

3. Scenic wildlife viewing drive in the Ouachita National Forest

4. Family hiking along the David Boren Trail at Beavers Bend

5. Picnic under the cypress trees along the Mountain Fork River

Historic

1. View Indian Artifacts at the Indian Memorial Museum

2. Visit Oklahoma’s oldest standing church, Wheelock Church

3. See a dinosaur at the Museum of the Red River

4. Tour the majestic Barnes-Stevenson House

5. Tour Waterfall Creek Pecan Farm in Idabel

FamilyActivities

1. Watch a live radio show on Broadway Street in Broken Bow

2. Feed goats at Honey Bear Ranch

3. Watch chainsaw sculpting at Hochatown Junction Station

4. Make arts and crafts at Beavers Bend Nature Center

5. Listen to campfire stories at Beavers Bend Nature Center

Marcia’s top 15 free family activities in McCurtain County:

Page 9: Allen Family Magazine issue 6
Page 10: Allen Family Magazine issue 6

10 Allen Family Magazine November/December 2008 www.northtexasmagazines.com

‘Tis the season to be kind to the environment. Instead of faux Christmas trees, energy-draining light displays and gifts wrapped in eight layers of paper, celebrate the season by making a few eco-friendly changes to your holiday celebrations.

Not sure where to start? Here are a few tips for a green Christmas.

Go online to check the proofs of your holiday card photos Sending cards with family photos is a great way to spread

holiday cheer – and much more personal than store-bought cards.

Instead of having the store print a copy of your photo proof,

check it online. Proofing your holiday greetings electronically will

help cut down on the use of chemical inks and heavy-duty photo

paper. Once you’ve picked the photo for your holiday cards, only

order as many cards as you plan to send to eliminate waste.

Order LED holiday lightsTurn your home into one of the most festive and eco-friendly on the

block with LED holiday lights. Most retailers stock energy-efficient

holiday lights made with light-emitting diodes, or LEDs, that are

90 percent more efficient than traditional Christmas lights and last

longer – up to 10,000 hours compared with 5,000 hours for incan-

descent bulbs.

Put your holiday lights on timersLeaving your holiday lights turned on 24 hours a day will

quadruple your energy costs - and create four times the pollution

– as leaving them on for six hours. Set your timer to turn the lights

on at dusk and leave them on until you go to bed. You’ll be able to

enjoy the lights all evening without burning energy overnight.

Make plans to carpool to a Christmas party or holiday church servicesCall family and friends and suggest going to a Christmas party

together, instead of driving separately. Or, call an elderly member of

your church and offer to pick her up for holiday services. You’ll re-

duce your carbon footprint and help spread the spirit of the season.

Decorate with natural materialsYou can make beautiful holiday decorations with items found in na-

ture: A bowl of evergreen boughs and fresh fruit, a basket filled with

fallen branches, winter berries and pinecones and seasonal plants

like poinsettias make inexpensive holiday décor. Once the holidays

are over, your decorations can be added to the compost pile.

Use eco-friendly packing materials to mail giftsMail your holiday gifts in boxes padded with recycled newspaper or

the leftover paper in your shredder. You can also use real peanuts

and include a note asking the recipient to feed them to the squirrels

once the box is unpacked. These green materials will protect your

packages just as well as bubble wrap or Styrofoam but have none

of the negative impacts on the environment. Styrofoam accounts for

up to 25 percent of the waste in our landfills. When it’s burned,

Styrofoam releases over 90 different toxins including dioxin, a

known carcinogen.

Buy a cut Christmas treeNearly all cut Christmas trees were grown on tree farms, which

means that their stock is replenished yearly and forests aren’t

depleted. Cut trees are a much greener choice than artificial trees

Dreaming ofa Green ChristmasMake your holiday celebrations more eco-friendlyBy Jodi Helmer

Page 11: Allen Family Magazine issue 6

www.northtexasmagazines.com November/December 2008 Allen Family Magazine 11

that are made with petroleum-based materials and often shipped

thousands of miles before they reach your living room. Unlike

artificial trees, which eventually end up in the landfill, cut trees can

be recycled after the holidays.

Create a homemade garland for the Christmas treeAn old-fashioned string of popcorn and cranberries will look great

on your tree. Once the holidays are over, you can hang the garland

in an evergreen tree in your backyard and let the birds feast on your

creation. An added bonus: It’s a great afternoon craft project for

the entire family!

Shop for holiday gifts that don’t require batteriesNearly 40 percent of all battery sales occur during the holidays.

Eventually, worn out batteries end up in the landfill where they leach

toxic metals into the soil and groundwater. You can help keep bat-

teries from going to the landfill by choosing holiday gifts that don’t

require batteries. If you do buy gifts that require batteries, give

rechargeable batteries.

Wrap presents in gift bagsOnce you tear the wrapping paper off of a holiday gift, it ends up

in the recycle bin but gift bags can be used over and over again.

Look for gift bags made with recycled content or purchase plain

paper bags and decorate them yourself with recycled holiday

cards. If every family in the U.S. reused two feet of holiday ribbon,

it would save 38,000 miles of ribbon – enough to tie a bow around

the entire planet.

Recycle your Christmas treeAfter the holidays are over, don’t put your Christmas tree at the curb.

Instead of taking up space in the landfill, trees can be ground into

woodchips and used to mulch your garden or prevent erosion at a

local watershed. Go to www.earth911.org and enter your zip code to

find out where to have your Christmas tree recycled.

Jodi Helmer is the author of The Green Year: 365 Small Things You Can Do to Make a Big Difference (Alpha, 2008). Visit her online at www.green-year.com.

Yuri Cook, MD,FAAP Kim Smith,MD,FAAPBoard Certified Pediatricians

Amber Holifield, MS,PA-C Sabrina Dorris,MSN,CFNP

1111 Raintree Circle, Ste. 290Allen, TX 75013

P:214.644.0280 www.raintreepediatrics.com F:214.644.0294

AcceptingNew Patients

Page 12: Allen Family Magazine issue 6

12 Allen Family Magazine November/December 2008 www.northtexasmagazines.com

Every year around this time I ask myself the

same question: “What to give Great Aunt Edith

for Christmas?” Not to mention the question

of what to give the next-door-neighbor, my

daughter’s piano teacher, and our babysitter,

who is celebrating Hanukkah. Somehow,

buying another tree ornament, box of candy,

or gift certificate seems just a little boring

and uninspired.

This year I am pleased to say I have discovered the perfect gift

and it comes in a jar. Not too surprisingly, it is called a “gift jar”.

Just what is a gift jar? It is a 1-quart glass jar (commonly referred

to as a “Mason jar”) filled with ingredients for making cookies,

soups, or beverages. The jars are assembled in layers, making

for a beautiful effect. Then the jar is screwed shut and decorated

with a square of fabric and a brightly colored

ribbon. The recipient follows the instructions

on the attached card, and soon he or she has

a batch of home-baked treats, courtesy of her

favorite student. The advantages? First, we all love to eat, and

these recipes yield treats that are indeed, very good to eat. Sec-

ond, for the person who is exhausted at the end of the day (and

aren’t we all?) it’s a delight to know that the job of making home-

made cookies for the family is already halfway done. Finally,

this is a project that the giver, your child, can really involve him/

herself with. My children, ages 10 and 14, and I had a great time

creating these gift jars. After realizing that these gift jars would be

great for not only neighbors, but also tutors, babysitters, teachers,

and great Aunt Edith, we knew we would be making lots of them.

So we formed an assembly line filled with brown sugar, flour,

candies, and cocoa, and baking soda. What could be more fun?

And the response? David’s karate instructor said these were the

best cookies (the M & M cookies, recipe to follow) he had ever

eaten, and asked for the recipe! Christine’s piano teacher told her

that she didn’t want to make the cookies just yet - the jar was just

too beautiful.

Here’s what you’ll need for each jar: the ingredients listed in the

recipe, a 1-quart wide-mouth glass jar with a screw-on top, a 7 x

7 inch piece of fabric, and a 48” length of twine or yarn or ribbon.

Also, you will be making a tag for each jar which will supply the

name of the cookie recipe, and the list of ingredients that must be

added to the mix (eggs and butter, for example), and the bak-

ing instructions. The tag should be made from a piece of sturdy

paper on which you will write out (or print out) the instructions.

A Gift in Every JarBy Martha Wegner

Page 13: Allen Family Magazine issue 6

www.northtexasmagazines.com November/December 2008 Allen Family Magazine 13

O.K., now you have the supplies, here’s what you do. Assemble

the ingredients in each jar in the order specified. Do not change

the order, it may spoil the effect. After pouring in each ingredient,

be sure to press it down firmly to form an even layer. Before add-

ing the next ingredient, wipe the inside of the jar with a dry paper

towel, to keep the sides clean. After all the layers of the mix have

been added, simply screw on the top of the jar.

Center the chosen fabric square on the lid of the jar and secure it

with a rubber band. Then wrap your chosen tie around the rub-

ber band twice and knot the tie to hold it in place. Using a hole

punch, make a hole in the tag and slide it through the hole, tying it

off with a bow.

That’s it! You’re done. You’ve had fun, you and your child feel

a sense of accomplishment, and you have a beautiful gift, a gift

you will be proud to give.

I’ve included 3 recipes that our family found to be both beautiful

to look at and good to eat. One is for cookies, one is for brown-

ies, and one is for some delicious breakfast muffins. There are

countless recipes that you may wish to try; we’ve included some

resources in the sidebar. A word of advice: if you are trying out a

new recipe, make the recipe for yourself first. If the jar is beautiful,

but the end results are not, everyone will feel disappointed. You

want to be sure you're giving a gift that tastes as good as it looks.

M & M COOKIE MIX(adapted from a recipe at www.mms.com)

Jar Ingredients:

• ¾ cup all-purpose flour

• ½ tsp. baking soda

• ½ tsp. salt

• ½ teaspoon ground cinnamon

• ½ cup chopped walnuts

• 1 cup M & M’s chocolate Mini Baking Bits, divided

• ¾ cup firmly packed light brown sugar

• 1 ¼ cups uncooked quick oats

Directions:

In medium bowl combine flour, baking soda, salt, and cinnamon.

Layer ingredients in this order, pressing firmly between each lay-

er: flour mixture, walnuts, ½ cup M & M’s, brown sugar, remaining

½ cup M & M’s, and oats. Secure the lid; decorate.

Tag instructions:

In addition to the contents of this jar, you will need to add the fol-

lowing ingredients:

• ¾ cup butter

• 1 large egg

• ¾ tsp. vanilla extract

Program Enrichments• Music • Chapel Time• Technology • Library• Spanish • Bible Verses

Now Enrolling• 1, 2, 3 and 5 Day Classes Available• 18 months through 5 years of age• Hours: 9:00 am - 2:00 pm Monday

through Friday

6601 Custer Road, Plano, TX 75023972.491.0510

Visit our website for additional information

www.crumc.org/crcds

TLC Pediatrics, P.A.“Where Kids Come First”

Daniel J. Moulton, MD, FAAP • M. Jeanette Saik, CPNPBoard Certified Pediatrics

Presbyterian Hospital of Allen1105 Central Expressway North • Suite 250 • Allen

Accepting New Patients• Well Child Exams & Immunizations

• Newborn Care

• Sports & Camp Physicals

• Same-Day Sick Appointments

Call for Appointment or“Meet the Doctor” Info

972.747.KIDS (5437)

Page 14: Allen Family Magazine issue 6

14 Allen Family Magazine November/December 2008 www.northtexasmagazines.com

Preheat oven to 350°. Lightly grease cookie sheets; set aside.

In large bowl beat butter, egg, and vanilla extract until well

blended. Stir in contents of jar until well blended. Roll into 1” balls

and place about 2” apart on prepared cookie sheets. Bake 12-15

minutes. Yield: 4 dozen cookies.

SANDCASTLE BROWNIES MIX(from “The Mason Jar Cookie Cookbook” by Lonnette Parks)

Jar Ingredients:

• 2 ¼ cups sugar

• 1 ¼ cups all-purpose flour

• 2/3 cup unsweetened cocoa powder

• ½ cup chopped pecans

• 1 tsp. baking powder

• 1 tsp. salt

Layer the ingredients in this order: pecans, cocoa powder, sugar,

salt, baking powder, and flour, pressing firmly between each

layer. Secure the lid; decorate.

Tag instructions:

In addition to the contents of the jar, you will need to add the

following ingredients:

• ¾ cup butter, softened

• 4 eggs

Preheat the oven to 350°. In a large bowl, cream the butter and

eggs. Add the contents of the jar, and stir until well mixed. Pour

the batter into a greased 13 x 9” baking pan and bake for 20-25

minutes until the edges are light brown in color. Cool completely

in the pan before cutting into bars.

Yield: 2 dozen brownies.

APRICOT-WALNUT MUFFINS(from “The Mason Jar Soup-to-Nuts Cookbook”

by Lonnette Parks)

Jar Ingredients:

• 1 ½ cups all-purpose flour

• 1 cup oatmeal

• ½ cup chopped dried apricots

• 1/3 cup chopped walnuts

• ½ cup brown sugar

• 2 tsp. baking powder

• ¼ tsp. baking soda

• ¼ tsp. salt

Layer the ingredients in this order: walnuts, apricots, brown sugar,

oatmeal, salt, baking soda, baking powder, and flour, pressing

firmly between each layer. Secure the lid; decorate.

Tag instructions:

In addition to the contents of the jar, you will need to add the

following ingredients:

• 1 cup milk

• ¼ cup melted butter, slightly cooled

• 1 egg, slightly beaten

Preheat the oven to 375°. In large bowl, cream the milk, butter,

and egg. Add the contents of the jar, and stir until just mixed. Do

not overstir. Spoon the batter into greased or papered muffin tins,

filling each cup 2/3 full. Bake for 20-25 minutes, or until a tooth-

pick inserted into the center of a muffin comes out clean. Cool 10

minutes in the tin, remove, and cool completely.

Yield: 12 muffins.

• TheMasonJarSoup-to-NutsCookbook,

by Lonnette Parks, Square One Publishers, 2004.

• TheMasonJarCookieCookbook,

Lonnette Parks, Square One Publishers, 2002

• GiftsfortheCookieJar:

CookieRecipesforIngredientsinaJar,

Lia Wilson, Cookbook Resources, 2002

• www.creativeladiesministry.com/jarrecipes.html.

From the “Creative Ladies Ministry”, this site has

countless links to other sites featuring gift jar recipes.

Martha Wegner is a freelance writer whose work can be found at www.marthawegner.com

Looking for more recipes?Here are some great resources:

Page 15: Allen Family Magazine issue 6

www.northtexasmagazines.com November/December 2008 Allen Family Magazine 15

BORN FABULOUSELdORAdO PLAzA

2821 CRAig dRivE • MCKiNNEy214-544-7539

A girl should be 2 things....

classy and fabulous – Coco Chanel

Bring this ad for 20% off any purchase

(excludes tutu’s)

Page 16: Allen Family Magazine issue 6

16 Allen Family Magazine November/December 2008 www.northtexasmagazines.com

Are you frustrated to hear your child mutter,

“Why bother? I won’t make the team” or

“It doesn’t matter. I can’t get an A”? Children

today face enormous academic and social

pressure, but an attitude of passive resigna-

tion isn’t healthy. Dr. Martin Seligman, lead

researcher for the Pennsylvania Resiliency

Project and author of “Learned Optimism:

How to Change Your Mind and Your Life”

describes three benefits of optimism you’ll

want for your child: Better health, greater

academic and extracurricular performance,

and the motivation to keep trying when times

are tough.

Optimists experience less physical distress in challenging situ-

ations than pessimists and have stronger immune systems, ac-

cording to 25 years of research conducted by Dr. Michael Scheier

and his colleagues at Carnegie Mellon University. Optimists live

longer and happier lives. In addition, optimists are achievers.

Studies show optimistic youth get higher grades and perform

better in athletic competition than pessimists, even when they are

led to believe their earlier performance was not so good. These

benefits are fueled by optimists’ tendency to give extra effort in

challenging situations – optimists believe hard work pays off.

While genetics play some role in determining kids’ attitudes, there

is good evidence we can help kids look on the bright side more

often. Seligman calls this “psychological immunization” against

depression. Here are some strategies to help your child think and

act optimistically in today’s pessimistic culture.

Practice Thought Watching. Learn to spot your child’s negative self-talk. Kids often express

negative thoughts aloud: “My hair looks ugly,” or “I don’t have any

friends.” Help your child reject unfavorable thoughts. Stop and

discuss his internal dialogue. Encourage your child to police his

thoughts for “bad beliefs” by acting as his very own thought cop.

Model optimistic self-talk. Talk with your child (over breakfast, or on the way to school)

about what might happen today. Perhaps you have an impor-

tant meeting or are attending a playgroup together. Share your

excitement with your child. Say “I’ll have a chance to present my

ideas,” or “I might make a new friend.” Don’t be afraid to men-

tion coming events that concern you, but focus on potential joys,

rather than fears of the unknown.

“I Think I Can!”Eight Ways to Encourage Optimism in Your Childby Heidi Smith Luedtke

Page 17: Allen Family Magazine issue 6

www.northtexasmagazines.com November/December 2008 Allen Family Magazine 17

Make a mantra. Remember The Little Engine That Could? He puffed faster and

harder saying “I-think-I-can, I-think-I-can” until he succeeded. What

phrase motivates your family in challenging times? Inject some

humor and say your slogan together when times are tough (you’re

climbing a big hill, walking a long way, or stuck in slow traffic). You’ll

end up laughing about how silly you all look and show your child

you’re in this together. Social support boosts optimism.

Take action. Try new things – even scary ones. Go someplace new. Cook and

eat a new food for dinner. When you meet someone new, be the

first to introduce yourself. Discuss with your child the benefits of

openness to new experiences. If the new food tastes icky or the new

park is less fun than the old one, focus on what you learned. Perhaps

say, “Now we know how much we like the slide at our park,” or “Wow,

that tasted yucky! But it will make us strong and healthy.”

Change your child’s explanations for adversity. Even for optimists, things don’t always turn out great. What

matters is how kids make sense of undesirable outcomes. Move

from global, personal evaluations to more specific, situational ones.

For instance, “I failed the test because I’m dumb and I’ll never be

good at math” is pessimistic, but “I failed because I didn’t understand

the problems and need more practice” allows active coping. To help

your child make the switch, ask guiding questions, such as “What

other explanations can you think of?” and “What can you do differ-

ently next time?”

Focus on improvement. Optimists know getting better is a process. Encourage your child to

adopt this approach by commenting on his improvement, not just

the outcome. Say “You really improved your sprint from the starting

line” or “Your spelling has really improved since the rough draft”

rather than focusing on his place in the contest or grade on the

report. Follow progress visually using a simple chart. Then, when

challenges arise you can point out how far he’s come and

encourage persistence.

Be a skill-builder. Kids’ skills develop incrementally. Read a book or watch a video

together that teaches a skill your child wants to develop. Encourage

him to ask an expert for advice, if you know one. Practice the skill in

a simple way then move up to bigger challenges. Reinforce the idea

that your child can learn to do just about anything.

Recognize good when it happens. Some emotion researchers believe we are genetically programmed

to pay more attention to bad news than good – learning from bad

news helps us survive dangerous situations. But focusing on what’s

wrong diminishes all that is going right. Before bed, play the “three

good things” game. Both you and your child list three good things

that happened today and describe how you felt about them. You may

be inspired to list three good things you anticipate tomorrow, too.

An optimistic attitude encourages positive action. By encouraging an upbeat approach, you give your child the key

to a healthier, happier, more productive life. Optimists’ dedicated,

persistent action can change the world for the better, and I believe

our kids will do just that.

Heidi Smith Luedtke, PhD is a psychologist and freelance writer from Alex-andria, VA. You can find her blog on parenting and leadership at www.Leading-Mama.com.

Bright Side Books for KidsPreschool• WhenPigsFly (by Valerie Coulman, Lobster Press, 2003) Ralph, a determined cow who wants a bicycle triumphs

over naysayers.

• TheLittleEnginethatCould (by Watty Piper, Grosset & Dunlap, 1978) A little blue train climbs a towering mountain others won’t

attempt to deliver toys to good children.

Ages4-8• LittleLiamEagle (by Nancy McGrath, BookSurge Publishing, 2008) A young eagle bravely soars past his fears with his

parents’ encouragement.

• Stitches

(by Kevin Morrison, Ambassador Books, 2003) Stitches, a baseball, dreams of the big leagues – but a

stitching defect sends him down another path to his dreams.

Ages9-12• BecauseofWinnDixie (by Kate DiCamillo, Candlewick, 2000) Ten-year-old Opal overcomes sadness and makes new and

unusual friends because of a big, ugly dog named Winn Dixie.

• DaretoDream!25ExtraordinaryLives (by Sandra McLeod Humphreys, Prometheus Books, 2005) Biographical sketches of famous artists, athletes, thinkers and

inventors inspire kids to persist in the face of adversity.

Page 18: Allen Family Magazine issue 6

18 Allen Family Magazine November/December 2008 www.northtexasmagazines.com

Is this the year you’ll introduce your children

to silent sports? It’s a safe bet they won’t

miss their iPhones as they paddle into the

outback. Skimming across shining lakes,

through tangled mangrove forests and down

hushed rivers, the world is your oyster.

How can you keep your family comfortable and safe?

General Canoe Types

Canoes come in four basic categories. A cruising canoe is

sporty but efficient, ideal for a racing and mild whitewater.

A recreation canoe is agile too but steadier for all-around family

trips. You’ll need an expedition canoe for canoe camping and

exploring all types of waters. It has more space for camping gear

yet it’s reliable in many wave conditions. A touring canoe

combines the qualities of all types, allowing you to carry a

moderate amount of camping gear and still encounter a variety

of paddling conditions.

Special canoes are made for marathon, racing and whitewater

conditions but let’s assume for now you want an all-around, fam-

ily canoe for a few hours of easy paddling each day and enough

space on board for a cooler and picnic basket.

Most canoes have single seats fore and aft, and that’s ideal for

a parent and any child old enough to handle a paddle. (The adult

can steer from the stern and also provide most of the thrust).

Also available are canoes with seats for paddlers fore and aft plus

a middle seat wide enough to hold two youngsters. A larger family

is best outfitted with more than one canoe.

First, ask yourself where you’ll store the canoe(s) at home and

how you’ll get them to the water. Don’t buy more canoe than you

can manhandle off and on the roof rack of the SUV or store on a

boat trailer in your yard (deed restrictions may apply). Here are

things to consider when you’re shopping for a canoe.

About Materials

Aluminum is tough and light. Polyethylene is strong, low cost and

it “gives” up to a point if you ram something. Light, strong, most

repairable and usually the most costly are composite canoes in

which layers are built up out of high-tech materials such as Kev-

lar, fiberglass or Royalex.

Wood or wood and canvas canoes are traditional, an excellent

choice for a parent-child building project. They take a lifetime

of maintenance but that’s part of the love affair with this time-

honored choice. Sunlight is murder on wood finishes so it’s best

if you can store a wooden canoe indoors.

The Right Canoe for Your FamilyBy Janet Groene

Page 19: Allen Family Magazine issue 6

www.northtexasmagazines.com November/December 2008 Allen Family Magazine 19

A Canoe Glossary

• Caddy is a set of wheels placed under a canoe or kayak to

wheel it around on land. If you get a folding caddy you can

carry it on board, always prepared to haul up on a beach.

• Cartopper kits offered by the manufacturer of the canoe or

kayak offer the best fit for a secure ride.

• Chine refers to the place where topsides meet the hull.

Little, soft or no chine means a rounded bottom. Hard chine

(pronounced shine) refers to a sharp angle.

• Color. In cold weather paddling, dark colors absorb the sun’s

heat better. A dark canoe also makes a better shelter if you

camp under it in cold weather. Bright colors, especially yellow,

make you more visible in a rescue situation but can be glary on

the eyes on long, sunny voyages. Forest green or camouflage

blend better with the environment.

• Depth is the distance from the top of the hull to the bottom of

the bilge. More depth in the center adds interior space plus

stability. More depth at the bow means it will slice more

sharply through waves and spray.

• Draft refers to the amount of water required to float your boat,

as in, “It draws XX inches” or “Its draft is XX inches.”

• Entryline is the term for the sharpness of the bow is as it

enters the water. Some materials adapt better than others for

shaping a sharp entry line, which in turn affects efficiency

and tracking.

• Flotation in modern canoes and kayaks is usually enough to

keep them afloat even when filled with water. You can also add

flotation bags to lighten the vessel further for whitewater use.

• Freeboard is the amount of hull showing above the waterline.

The heavier the load, the the less freeboard you have and the

greater the chance of swamping.

• Kneepads allow paddlers to spend long hours on their knees,

paddling at maximum effort.

• Livery is a place where canoes are stored and rented. Most

outfitters are also willing, for a modest fee, to provide return

service to your car if you launch your own canoe and require

pick-up downstream.

• Paddles come in many styles, sizes, colors and materials and,

like the vessel itself, should be chosen for the mission. The

paddle you choose for slalom competition is different from the

one needed for expeditions.

• Repair-ability. Can you patch the material yourself or are

high-tech repairs required to exotic new materials?

• Rocker. Picture the way the hull rises from its deepest point to

the top of the bow and stern. The more “rocker” the canoe has,

the more easily the hull will turn but the less willing it will be to

go in a straight line. In a slalom you want a lot of rocker; for

cruising you probably want as little as possible.

• Seam construction is dictated by the construction material but

do look for high strength and watertight integrity at seams.

• Safetyperimeterlinesare grab lines that allow you to right

a capsized vessel even though you’re in the water yourself.

These lines are also handy for tucking in small items or maps.

Fittings should be strong, clean and low profile to prefer snags.

• Seats should have proper support for the back, legs and hips

for long hours of paddling.

• Rudders are available on some kayaks to aid maneuvering

and stability. They’re operated by foot pedals and can be

retracted in shallow water.

• Skeg is a fin that drops down at the stern of a kayak to in

crease tracking ability. When it’s up, the kayak is more

maneuverable. When it’s down, it’s easier to paddle a stready

course.

• Skidplate is a reinforcement at the bow in case of a bow-on

crash. It can squelch performance but is a plus in rocky rapids.

Order the plate from the boat manufacturer, who will supply the

best match for your boat.

• Stability. Primary or initial stability refers to how steady the

vessel rides when it’s upright. Secondary or final stability

refers to its resistance to capsize. A wide hull may have very

good primary stability (for boarding, for example) but poor final

stability (such as when a passing boat throws you a big wake).

• Tandem means a two-person canoe or kayak with seats fore

and aft. Canoes with three or more seats are also available.

• Thwarts are braces or bars that run crosswise. When weight

is distributed across the hull it’s said to be athwart.

• Trim is balance bow to stern. You want the vessel to ride

level, so you load it evenly (including the weight of your own

body) to achieve this balance. Here’s where sliding seats come

in. Good trim is always important; in frisky winds and seas it’s

especially important.

• Tumblehome refers to the curve of a canoe hull as it comes

back in at the gunnels. It determines how far out you have

to reach to paddle. Extreme tumblehome is best left to experts

because it makes handling trickier.

• Width. The narrower the hull the farther you can push it per

stroke, but also the more easily it will tip. A wider, more stable

canoe requires more paddle power. Measurements at the

waterline determine how the vessel will paddle, ride, and

recover its equilibrium.

Accessories

Wish lists for canoe and kayak users know no end, but some

items are best ordered at the time of purchase to get the right

mount or match for your vessel. (See Skid Place above). Con-

sider a spray skirt, which fastens to the cockpit coaming of a

kayak to keep the paddler dry. A flush-mount deck compass is

offered by some manufacturers. Also available OEM may be a

bilge pump. You’ll also need the right tie-downs and rack for car-

topping and a life jacket for every soul on board.

Janet Groene’s books include ABCs of Boat Camping, Creating Comfort Afloat and Living Aboard. She blogs at www.CampAndRVCook.blogspot.com.

Page 20: Allen Family Magazine issue 6

20 Allen Family Magazine November/December 2008 www.northtexasmagazines.com

For most people, the holiday season is

a joyous time of year. It means celebrating,

eating delicious food, and spending time with

the people you love. Most of all, the holidays

are about children. Whether your child is four

or eighteen, they’re the ones who love the

magic the most. Kids are what make the

holiday season the most special.

For many divorced families, the holidays may not be as joyful as

they once were. Usually, both Mom and Dad would like the kids

to spend the entire holiday season with them, but that can’t hap-

pen anymore. The children spend a portion of the time with Mom,

and another portion with Dad. Since they can’t all be together at

the same time anymore, the kids are shuttled between the two

homes. That’s hard on the kids.

The following are some tips that can help make the holidays less

stressful for divorced families:

You and Your Ex We all know that it’s best for the children if we can get along with

our ex-spouses. Parent education classes, which all divorcing

parents are required to attend, repeatedly stress the importance

of getting along with your ex. We’re told to never speak badly

about the other parent in front of our children. During the holi-

days, it’s even more important to do your best to get along with

each other.

Do it for the kidsIf they see their parents arguing and complaining about each oth-

er from Halloween through New Year’s Day, their whole holiday

season will be ruined. Children of divorced parents need to know

that they have permission to love both mom and dad. That’s what

best for the kids.

Schedules Both money and time seem to be in short supply during the

holidays. We all spend too much time running frantically from this

mall to that toy store. The kids feel it too; the older ones have

the stress of finals, and the younger ones wish they could have

a little more of our time. It can be crazy! One very important tip

is to make sure you and your ex arrange the holiday visitation

schedules well in advance. It’s vital that the kids know where

they’re going to be for each holiday. Communicate the schedule

to your children as early as possible, so they know exactly what to

expect. And, don’t change the schedule at the last minute!

Most divorced parents who live fairly close to each other alternate

holiday time with the kids. One year Thanksgiving may be with

Mom, and the next year Dad’s cooking the turkey. Other parents

might swap Christmas Eve and Christmas Day.

Holidays for Divorced ParentsBy Diane O'Neil

Page 21: Allen Family Magazine issue 6

www.northtexasmagazines.com November/December 2008 Allen Family Magazine 21

Divorced parents who live

in different states may

have a little more difficult

time figuring out the

schedule. My son goes

to visit his dad and his

grandparents for his en-

tire winter break. I miss

him terribly; I really want

him to be with me for the

holidays. But then, after

a couple deep breaths, I

remember that he’s with

me for forty-eight weeks

out of the year. It’s ok

for him to spend a White

Christmas in Minnesota

each year.

Gifts

I love to buy Christmas gifts for my kids. If I had my way, I would

buy all the hottest toys, new clothes, and also that new car for

my eighteen-year-old. Then reality sets in. I need to budget my

holiday gift giving, for my children and for everyone else on my

list. I set aside a certain amount of money to spend on gifts for

my kids, and I stick to it.

Over the years I’ve learned that it isn’t the dollar amount of the gifts

that make the holidays special. The most important things are the

traditions; spending time together, baking treats, and

cutting down a Christmas tree.

But we know that all kids love to open presents. The best

possible thing you could do, is work with your ex regarding

holiday gift-giving. Try to follow these tips:

• Don’t try to outdo each other when it comes to buying gifts.

How expensive an object is really isn’t that important. If

you start playing this game, you’ll only end up hurting your

checking account.

• Talk to your ex about what you plan to buy the children. The

kids don’t need two of the same item. Make sure you’re both

getting them something they’ll use.

• If your child would like a larger item that is not within your bud

get, you could consider buying it with your ex. This would be a

great way to show your child that his parents are still able to

work together and get along.

While we miss our children terribly when they’re not with us, it’s ok

to enjoy a little bit of “me” time. Plan to do some things that you

always wish you had the time to do. These could be some projects

around the house, or a couple of really fat books you can dive into

with no interruptions.

Diane O'Neil is a freelance writer and single mother of three.

Page 22: Allen Family Magazine issue 6

22 Allen Family Magazine November/December 2008 www.northtexasmagazines.com

Most of us probably headed out into the

world without a very good understanding

of how credit really works and how to use it

responsibly. If the recent credit crunch is any

indication, this country has a real problem

with credit. The average U.S. household

carries $8000 in debt on their credit cards,

and has 12.71 credit cards. There are

1.3 billion credit cards in use in the US at this

time. 43% of U.S. households spend more

than they earn each year. We spend a lot of

time on religious education, instrument

lessons, sports practice, dance lessons, not to

mention SAT prep course and possibly tutors

in specific subjects to help our kids learn and

grow, yet not many parents spend a lot of time

helping kids learn about money and credit.

Start YoungYour five year old doesn’t need to know a lot about credit. At this

age, he’s still trying to learn to count money and is finding out

how to spend it. Help your preschooler learn to save money.

If he gets $20 for his birthday, suggest he save half and spend

half. Start a piggy bank or even a real savings account for your

child. Learning to save is an important skill and one that does

not come naturally to many kids. Saving, is after all, a kind of

impulse control. Just as you probably don’t let your child eat all

his Halloween candy in one sitting, you shouldn’t let him spend all

his money at once either.

Young children can start to understand the concept of credit.

After all, your child has seen you use credit cards, so it’s a good

idea to explain what it is. Tell your child that the credit card

allows you to buy things all month long and then pay for them all

at once at the end of the month. Tell him if he bought a piece of

gum from you every day of the week for ten cents but you let him

use credit, he would have to pay you seventy cents at the end of

the week. It’s the same concept – buy now and pay later.

Encourage Kids toThink about MoneyWhen your child is of elementary and middle school age, you

know he understands how money works, but he still needs

to be taught how to think about money. Explain to your child

what a budget is - you as an adult have to create a budget for

the household and can’t run out and spend every paycheck on

clothes, video games, or candy because otherwise there wouldn’t

be money to pay for electricity, gas or food. Encourage your

child to make thoughtful purchases (avoiding impulse purchases

What to Teach Your Kids about CreditBy Brette Sember

Page 23: Allen Family Magazine issue 6

www.northtexasmagazines.com November/December 2008 Allen Family Magazine 23

when possible). Savings should be something that your child is

expected to create and maintain. Encourage him to watch his

savings grow and praise him for doing so.

If your child wants to purchase something she doesn’t have the

money for, allowing her to borrow it from you is fine, as long as

you set up and enforce a repayment schedule. This is a great

way to help kids learn credit in a hands on way. Help your child

understand what purchases are beyond her means. If she wants

to buy a $100 item, but only earns $5 a week in allowance, it will

take her 20 weeks (almost five months) to pay that back.

Moving Towards More ResponsibilityBy the time your child has become a teen he will hopefully have

learned a lot of financial lessons from you. However, these are

the years during which you can have the most impact on how he

will manage money as an adult. Encourage your teen to set up a

budget that includes expenses such as school lunches, entertain-

ment, gifts for friends and family, and savings. Give your teen an

allowance or require him to use money from a job to cover these

expenses. Help him understand how to use the money carefully

so all expenses can be met (he will need a budget). Give your

teen the register from his savings account and teach him how to

balance it against bank statements and keep it up to date.

Once your teen is driving (and is even more independent) you

might want to consider having a card issued to him from one of

your credit card accounts. You will remain the accountholder,

but he can be listed as an authorized user. Sit him down and

talk about how you use credit. Explain that credit cards are a

convenience that allow people to pay for things with one bill at

the end of the month (and yes, you should be paying that balance

off each month and teaching your teen to do the same). Tell him

what expenses he is authorized to put on the card (maybe you

will want to limit it to gas or school supplies). Expect him to retain

the receipts and be prepared to provide an accounting of exactly

how he used it. If you will allow him to use the card for personal

discretionary spending (like movies or eating out), you can expect

him to pay you back for all items charged to the card by the date

the monthly bill is due.

Doing this gives him the power to use a credit card, but with your

close oversight and guidance. Many teens get their first individual

credit card in their own name when they go off to college, so this

allows him to try a credit card with training wheels before then.

Explain That There is OversightTeens also need to understand what credit reports and credit

scores are. A credit report is like a report card for how well you

pay back your loans and credit cards. It shows late payments

or missed payments. A credit score is like an overall grade for

how well you manage your credit. This is real life though and

not school and every mistake you make with credit will haunt you

for at least seven years (the length of time an item remains on a

credit report). If you have bad credit, you won’t be able to get a

car loan or a mortgage when you want it. Teach your teen to get

his free credit report every year from all three major credit report-

ing agencies at www.annualcreditreport.com. Show him your

own credit report and explain how to read it.

Brette Sember is a former attorney and mom of two children. She is the author of The Everything Kids’ Money Book and The Complete Credit Repair Kit and has taught a course about credit and debt for Barnes and Noble University.

Ten Rules to Teach Your Teens about Credit and Debt:

1. Credit is not evil or bad, it is just a useful tool adults can

take advantage of.

2. Using a credit card is a real loan. It is not “free money” or

a license to spend.

3. Credit cards can be very convenient and helpful if you use

them correctly.

4. The balance on a credit card should be paid off every

single month. If you don’t pay off the balance on a credit

card, you will pay a very high interest rate.

5. You should never buy something on a credit card if you

don’t have the money to pay for it.

6. It is ok to take out other kinds of credit – such as car loans

or mortgages – without paying them off immediately, but

you must be sure you can make the monthly payments for

the entire length of the loan.

7. If you pay a credit card late, it will damage your credit rating

and make it harder for you to get other credit.

8. Make sure your teen understands that student loans are

not forgivable in bankruptcy – any school loan your child

takes out will have to repaid. The same is true of tax debt.

9. Any time you spend beyond your means you are guaranteed

to end up with debt you cannot pay. Teens need to be re

minded to think about the future and how a big purchase

today will leave them strapped for cash a month from now.

10. Store cards that offer “no interest and no payments” for six

months or a year are a great deal – but only if your teen

divides the amount charged by the number of months the

offer is in effect and pays that sum each month, so the

whole debt is paid before interest kicks in. If any debt

remains after the free period, interest is charged on the

entire purchase.

Page 24: Allen Family Magazine issue 6

214-495-9911406 W. Main Street

Allen, TX 75013www.allenbirthingcenter.com

I trust in my body. I trust in the process. I trust in my baby.

Honoring the Spirit of BirthCollin County’s only birth center serving families throughout the Metroplex

If you’re looking for a Dallas midwife, please come in and take some time to get to know us! As the premier birth center in North Texas, our clientele have come from Dallas and all of the surrounding cities, including McKinney, Denton, Fort Worth, and Highland Park. We’ve even had people travel from California, Colorado, Oklahoma, and South Carolina specifically to birth at Allen Birthing Center.

Here you will find out why someone chooses a natural birth with a certified nurse-midwife (CNM) in a freestanding birth center. In addition you will see why healthy women are choosing a Dallas midwife for their gynecological, well-woman, and annual physical services.

At Allen Birthing Center, we• Honorwomen• Respectindividuality• Welcomenewbornssacredly• Provideanurturingenvironmentforthosebelieving in pure health of body, mind, and spirit.Maternity & well-woman care you can trust

Amy Giles, CNm • BeCky Burpo, CNm • Betty HoffmAN, CNm