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kwkids.com Newsletter - September 2008
Featured Activities & Outings for September
The back to school bells sure signal that the season of splashing and playing outside day in day out has come to an end. September also means meeting ‘old’ friends, starting new after-school activities and re-joining playgroups for the little ones. The weekends in September are also filled with many wonderful family events.
 Thank you to those who visited our booth at the KidSpark Festival on Sunday, August 17! We had a blast and enjoyed seeing so many of you! Our young visitors enjoyed creating their very own pet rocks! If you did not have a chance to stop by and would like to get instructions on how to create one at home, please click here. Do you recognize the Yellow Ducky seen on the left? Somebody left it behind at our booth at KidSpark. Don’t worry, the Yellow Ducky has been having fun but would like to return to its rightful owner. Please call 519-571-8827 or email (jana@kwkids.com) to arrange its return.
- Happy Grandparent's Day! Did you know that the second Sunday in September is the National Grandparent's Day that was officially established in Canada in 1995? Let's make all grandparents feel extra special and appreciated on this day! If you would like to celebrate this day by doing something special in our community you may want to take the grandparents on an excursion to St. Jacobs on the old fashioned steam train departing from the Waterloo Station this Saturday at 10am, 12pm and 2pm. Grandparents ride free with their granchildren (this Saturday only)! On Sunday, September 7, The Art Studios on 22 Regina St. N. will be hosting the Grandparent's Day Tea Party. Bring your grandparents and enjoy delicious food while painting your own pottery!
- The fall fair season is upon us! If you would like to experience a truly historic fair, take a short trip to Doon Heritage Crossroads on September 14. The 1914 Fall Fair will let you experience an old-fashioned fall fair.
- The annual Mighty Machines Showcase will take place at Chicopee tomorrow, Saturday, September 6 starting at 10am. It will be a safe place to touch various construction and other service vehicles and talk to the people who operate them. Advance tickets are available at local Home Hardware stores. Another noteworthy event for kids who are interested in big machines is the 4th Annual Fire Prevention Week Open House on September 20 from 10am to 2pm at the Waterloo Regional Emergency Services Training Centre. Lots of great activities and demonstrations are planned there along with a FREE BBQ and refreshments!
- The annual Word on the Street Festival at Victoria Park on Sunday, September 28 is a gathering of authors, organizations and readers who are passionate about the written word. This year it promises once again to be a great family event with chalk art on the street, performances, face painting and more fun activities. For full details on this and other festivals (Applefest, Stratford Garlic Festival, Birtch Farms Apple Festival, Local Motion Festival, The Gig Children's Art Festival, St. George Apple Harvest Festival, Heart & Hand Festival, Everdale Carrot Fest and many more!!), please visit the kwkids.com Festivals page.
- If you are stuck for what to do on a rainy day with children under the age of 6, consider visiting one of the local Early Years Centres. There are two YMCA Early Years Centres located in Waterloo. One is located at the corner of University and Bridge St. and the other is at 719 Erbsville Rd. The Our Place – Family Resource and Early Years Centre is located at 154 Gatewood Road (corner of Queen's Blvd. and Westmount Rd.) in Kitchener. The Cambridge Family Early Years Centre is located 149 Ainslie St. N. All locations offer many wonderful FREE programs for children, parent workshops, and drop-in play programs where you can mingle with other parents while your kids develop social skills and take advantage of the many resources available to them.
Please visit the kwkids.com event & program calendar for full details on many upcoming events & programs or visit the September At a Glance page if you'd like to see a quick overview of events taking place during the month of September.
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Ask the Pro - Family Finances Specialist
The kwkids.com Family Finances Pro Steve from Bentley Financial returns with important information for parents. Visit the Family Finances & RESP page for more questions and answers on family finances.
September 2008 Question: Our oldest son is heading off to University. We established an RESP for him when he was born. Time has flown by and now that his is he is off, are there effective strategies on how to use his RESP funds?
Answer: Now that your son has graduated from high school and is heading off to his first year of university, there are definitely some strategies on how best to use the funds accumulated in his RESP to pay for his educational costs. The way money is withdrawn from the RESP can either cost or save money. Here’s a quick course in withdrawal strategies:
1. Limit initial withdrawals. The government restricts the withdrawal of plan income and government funds (including the Canada Education Savings Grant or CESG) to a maximum of $5,000 in the first 13 weeks of you his program. You can obtain extra cash to supplement the $5,000 by redeeming some of your RESP contributions, but try to avoid doing that because removing contributions early stunts the plan's tax-deferred growth.
2. Seek permission for an early withdrawal. It is possible to exceed the $5,000 limit on the withdrawal of plan earnings by requesting permission in writing from the Minister of Human Resources. This avoids withdrawing plan capital (and potentially having to repay some of the CESG monies), but be sure to make your request as early as possible to receive a response and find out whether or not this strategy can work before the school year begins.
3. Make the right withdrawals to avoid paybacks. You may be required to refund some of the CESG grant money if there are any earnings remaining in the plan after your son completes or leaves university. To avoid a potential CESG payback, be sure to use the plan's earnings before withdrawing contributions.
4. Take advantage of tax savings. The earnings withdrawn from the plan will be taxed as part of your son’s income - meaning they could be effectively tax-free because your son's income is likely to be very low.
5. Get everything in order as soon as possible. Before releasing any plan earnings, your RESP carrier will require proof of enrollment from the post-secondary institution. To be sure you'll have the money when your son needs it, get that documentation to the plan carrier as early as possible.
6. Take advantage of left over contributions. If, at the end of your son's post-secondary experience you find yourself in the happy position of having contributions remaining in the plan, you can use that money as you wish. Transfer the cash to another child's plan, withdraw it for your personal use or you may be able to transfer it to your RRSP if you have contribution room.
An RESP is a vital tool for offsetting the rapidly rising cost of education. Bentley Financial can help you explore the many strategies for funding a post-secondary education for your children. If you would like further information, please email Bentley Financial at info@bentleyfinancial.ca or call us at 519-404-4864 (1 888 88 BENTLEY toll free).
| Ask the Pro - Naturopathic Doctor
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Dr. Joanna Thiessen George Street Naturopathic Medicine answers another question asked by one of the kwkids.com visitors. Visit the Ask the Naturopath page for more questions and answers on naturopathic medicine.
September 2008 Question: My son is starting school this September. I have looked at the supermarket for ideas of things to send in his lunch, but many of the snacks seem so high in sugar and artificial ingredients. What are some healthy snacks I can give him?
Answer: The key to creating healthy snacks children will crave is making them as fun and engaging as the glitzy commercial stuff—a challenge, considering that most parents don't have multimillion-dollar budgets. (Of course, restricting children's television viewing limits their exposure to these junk products—but that's a subject for another article). What's more, these foods are perfect for parents too.
The following are some ideas (note that some of these snacks contain nuts and are therefore not appropriate to send to nut-free facilities...but can be enjoyed freely at nut-allergy-free homes!):- Fruit kabobs. Buy some shish kabob skewers and create colourful strawberry, pineapple, grape, kiwi, and apple kabobs which kids can grab and go. Kids have fun making them, as well.
- Ants on a log. Take celery sticks and smear them with cream cheese or nut butter (no sugar added varieties) and sprinkle with a line of raisins.
- Seasoned nuts. Nuts, especially walnuts, are rich in omega-3 fatty acids. Mix with 100% raw honey and cinnamon and bake at a medium-low setting for 10 to 15 minutes.
- Seeds. Seeds are a rich source of vitamin E and some, like pumpkin seeds, have omega-3 fatty acids and important nutrients like zinc and iron. Roast seeds yourself for extra crunch and less refined salt.
- Veggies and dip. There is no excuse for not having fresh vegetables on hand. Buy pre-chopped, pre-washed bagged veggies if necessary. Any trans-fat free dip is fine. Children need high quality fat for neurological development, and fat helps you absorb many nutrients in vegetables so don't concern yourself over the dip. Carrots and hummus are a delicious combination. Hummus is available in most grocery stores and is rich in protein. Surprisingly, carrots are tasty dipped in nut butter as well.
- Dried fruit. No sugar added of course, and ideally sulfite free.
- Smoothies. Whey or rice protein, berries, plain whole milk yogurt, and water. Other options include: banana, greens powder, peaches. Protein smoothies make an excellent breakfast.
- Rainbow melons. Slice honeydew, cantaloupe, and watermelon to make a candy-colored natural treat.
- Star fruit sandwiches. Place banana slices between sliced star fruit.
- Trail mix. Mix dried fruit, seeds, and seeds.
- Roll ups. Layer thinly sliced turkey breast (ideally nitrate free), spinach leaves, mayonnaise (ideally soybean oil free) on a sprouted grain or whole grain tortilla. Roll up and slice into tasty disks. Roll ups also work with tuna salad, refried beans, and spreads such as hummus.
- Fruit leathers. A much wiser choice than the exceedingly popular fruit snacks and fruit roll-ups without the added sugar. Available in bulk quantities at Costco. Beware the 'fruit juice' sweetened fruit snacks, if you read the label you will see that there is still a lot of sugar in these—another misleading marketing tool.
- Leftovers
Any snacks containing refined sugar should be kept for special occasions rather than daily indulgences. Also, avoid juice because it is merely a concentrated form of natural sugar without the benefit of fiber; also many varieties contain added sugar; if juice is given, dilute it 50% with water. Remember…we are what we eat – so let's be healthy!!
In health, Dr. Joanna Thiessen (ND, Doula)
Disclaimer: The information presented herein is not a prescription and does not substitute the consultation of a health care practitioner. |
All the best,
Jana
Tel: 519-571-8827
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