Yo’ Mama
A Magazine by Young Mothers for Young Mothers
In this issue: Sticky Fingers Report Card On Poverty Emergency Preparedness
Plus our feature section on
Money $3.00 Volume 2, Issue 6, Spring 2007
Inside Yo’ Mama News & Views
Letter from the editor
Relationships
Got Milk! Yo’ Mama is looking for contributors! News From The Hood
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Health & Safety
On Tha Real: Young, Hot and Single Beauty 101 Important Numbers Melody’s Menu: Cream Apricot Chicken Fitness Tips The Welcome Policy Children’s Fitness Tax Credit
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Parenting
Parent 2 Parent: Sticky Fingers Tales In Transit: Turn Around at the Turnstile Kids In The Discovery Zone Never Forget the Dream
Education
Politics 101: Jordan’s Village Fashion 101: Maternity Wear 72 Hours: Emergency Preparedness Emergency Preparedness cont...
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Feature: Money
Education Level vs. Income Level How to Begin Establishing Credit How Much Does Post-Secondary Education Cost? What Does Money Mean to You? The DL on RESP’s: Note the Grad Hat Report Card on Poverty Report Card on Poverty cont... Get Your Money Right Conference Quick Ways of Making Cash The Benefits of Working Creating a Last Will and Testament Can C.A.S Help Save You Loot?
Resources
Young Parent Resources and Contacts Programs Around The City
Words & Wisdom
Book and Movie Reviews From There To Here: Caroline Sneath Contests: Kids Funny Photos & Word Search Poetry: Ride Or Die Chick Away She Cries Can’t Buy Me Love Intoxicated
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Yo’ Mama is produced and distributed with the support of:
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Toronto Police Services Board
Toronto Youth Challenge Fund
News & Views Letter from the editor
Yo’ Mama’s People
Editor-In-Chief: Amanda Cain Layout Design and Art: Amanda Cain
Hello readers, I have more updates! We have been working very hard to have our youth run magazine as dope as humanly possible. I’m very happy to announce that The Toronto Police Services Board and The Toronto Youth Challenge Fund are new funders of this great magazine! In this edition you can expect to see drawings by our new illustrator Krystallé Thompson. We’ve started several new columns, the first, News From The Hood, will feature interesting programs operating around the GTA. The second is Beauty 101, featuring do it yourself tips and useful information to keep you looking gorgeous all year ‘round. The third is Fashion 101 where design rules and fashion is a must! The fourth is Politics 101 which will discuss issues we face on the daily and how the government is involved. The fifth is a kids book review section where our children will review books in their own words...no more guessing when you hit the book store. We’ve also added in two contest sections in the back of the magazine. A word search and a candid kids photo section. See page 37 for details. And as if that’s not enough, I am proud to present our new sister magazine, Solace. Solace will now be inserted in each upcoming edition of Yo’ Mama. Be sure to soak up all of the wisdom and knowledge the writer’s are kickin’. As always, we’re on the lookout for events and issues to address. Please contact us with any of your ideas. Be sure to also keep your eyes open for contests within the Yo’ Mama pages. I hope you enjoy this edition. If you’d like to send in your comments or would like to participate with us, please feel free to contact me at acain@literatureforlife.org or 416.203.9830. Peace,
Amanda Cain Editor-In-Chief - Yo’ Mama, how u feelin’? -
“I worked hard and sacrificed to get what I get, Ladies it’s not easy bein’ independent....depend on no one else to give you what you want” - Destiny’s Child
Cover Photography: Rebecca Maralit Contributing Writers: Trinity Abbott Melody Boreland Amanda Cain Javon Cain-Allen Hermina Campbell Jacqueline Graham Trina Ivany Ju-lee Kerr Jessica Khan Lindsay Kretschmer Deb Scorsone Vanessa Young Contributing Illustrators: Krystallé Thompson Contact Information: Literature for Life 7 Labatt Ave., Suite 208 Toronto, Ont. M5A 1Z1 Tel: 416.203.9830 Fax: 416.203.2597 Email: staff@literatureforlife.org Web: www.literatureforlife.org Charitable # 89431 8617RR0001 ©2007 Literature for Life Publications ISSN 1712-2643 The use of any part of this publication reproduced, transmitted in any form or by any means, electronic, mechanical, photocopying, recording or otherwise stored in a retrieval system without the prior written consent of the publisher is an infringement of copyright law. The opinions expressed in Yo’ Mama are those of the respective authors, and do not necessarily represent those of Yo’ Mama or Literature for Life. Yo’ Mama and Literature for Life will not be liable for any losses or damages, howsoever sustained, by any persons, they may result, due to reliance on the information, ideas, activities or products mentioned herein. Yo’ Mama strives to provide practical, safe and accurate information at all times, but we encourage all readers to seek professional advice where appropriate.
Yo’ Mama Spring 2007
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Relationships
Got Milk! Written by: Ju-lee Kerr My bundle of joy was less than a month old and we were getting used to our new lives as parent and child. It was a grey day in December and I had made plans with a new friend of mine to meet at the Rivoli in downtown Toronto. I was nervous since this was a kind of, sort of date, but excited about the prospect of actually meeting new people. All this confirming that life wasn’t necessarily over now that I was a mother at the tender age of 18. The wind chill that day was in the negatives and so I layered it up (a trick I was taught by a real Canadian about keeping warm in the frozen months). My hair was done, face put on and diaper bag packed, everything was in order, nothing forgotten. We headed out for the breezy walk down Queen and although my lips were turning a grayish shade of blue I was sweating from anxiety under 4 layers of wool, cotton and polyester. My son was sound asleep, cuddled up to his teddy and wrapped up in blue and yellow blankies. Around me was the bustling of a town, a town so new to me. The snow that was sprawled across the ground was, at some points, brown and slushy, but still had the ability to fascinate me. Even the ankle deep puddles made me smile when accidentally stepped into. As my hips swayed from side to side and my auburn hair blew widely with the tremble of the wind I anticipated my kind of, sort of date and hoped that he would like me and visa versa. We arrived at the restaurant and I headed straight for the washroom to fix up my tangled locks and cover up my blue lips and cherry nose. All looked good. The kid was still sleeping with a priceless grin nestled on his round, chubby face. I checked my posture, shrugged my shoulder blades down my back and took in a giant breathe that almost made me dizzy, but felt great none-the-less. Creeping slowly beyond the ladies room I began scanning each table for my “friend”… bingo – he was perched on his seat like a soldier guarding Buckingham. His wavy, dark hair framed his handsomely flawless face and his crystal eyes matched his olive skin perfectly. His body language screamed out ‘I AM TERRIFIED’, and the look upon his face shouted the same. 4
Yo’ Mama Spring 2007
His fear deposited a great, big smile upon my face and at the same time calmed the butterflies that were fluttering around in my belly. I approached him with ease and plonked down my things beside my chair. The gentleman inside urged him to pull out my chair and offer a massive hug that was firm and genuine. This was the first time I was able to believe that a man would actually want to date a single mom who happened to be a teenager too. I was thrilled. Our conversations rolled into each other in a good way and transformed into a deep sense of understanding. Our eyes were fixed upon each other as I told my stories and he told me his. I could tell he really liked me and I knew I liked him back. Between lunch and dessert my other half (my son, that is) woke up with tears and gurgles. It always took him a while to focus his eyes and figure out where he was. The strange glance he shot at my kind of, sort of date was odd, but not offensive – it made us giggle at the creature that was still so new to both of us. After a few minutes of cooing, the baby’s mouth started searching. Yep, searching for its lunch. I was unsure about how to deal with feeding at this public setting, since there was no where I could go for privacy. So with a blanket in hand and a swift motion, I attempted to squish any chance of a wardrobe malfunction. Perfect…mission successful. I began to talk about my choice to breastfeed and he was thrilled by it (or jealous, one of the two). He spoke of his yearning to have children and how wonderful it was that I had chosen to take it on without the security of a husband by my side. I always responded to a comment like that with “At least I don’t have to compromise.” The waiter interrupted us with the desert menu and I ordered the chocolate brownie with ice cream and caramel sauce and of course a cup of steeped tea. My ‘friend’, he was more of a coffee and cheesecake kind of guy. We continued to flirt and my son kept feeding when our waiter arrived with our treats and beverages. As he was delicately setting it out in front of us, my son began coughing uncontrollably on the let down of milk
that flooded his tiny mouth. His gags were concerning, but what was more concerning was the large, exposed breast and the flow of milk that was being propelled in every direction. My kind of sort of date, the waiter and our yummy deserts were garnished with the sweet milk of a mommy. Heads turned as I panicked, trying to bring air back to my infant’s lungs with no concern for my boob that was hanging out for all to see. Milk was still squirting and the pressure forced it out in perfect streams. I noticed the chaos in the region of my chest and, without hesitating held my child up to my chest to stop the milk from wetting us all, only then realizing what had just unfolded – Oh my goodness me, I wanted to curl up into a tiny, little ball and hide. Everyone at that table (some that were not) was stunned. I felt my face getting hotter and hotter as I pictured my red tomato head upon my sinking shoulders. I had no idea what to say, and as sweetly as he could, my kind of sort of date wiped away the last drops of milk left on his face and burst out into a chorus of laughter - a laughter that transferred to the soaked waiter and then to me. My kind of sort of date then picked up his fork and started eating the milky cheesecake with a huge grin upon his face and a sexy twinkle in his eye. He asked me if I do this on every first date, which made us chuckle even more. It turned out to be a great moment and needless to say, we are now husband and wife. We are best friends now even though he’ll never let me live that soggy day down.
Relationships
Feeling artistic? Have some poetry from back in the day you’d like to share? Ready to try your hand at putting your thoughts on paper? Love looking at life through a lens? If so, Yo’ Mama is looking for illustrators, writers, and photographers to join our dedicated paid editorial team. Contact Amanda Cain at 416-203-9830 or
acain@literatureforlife.org. Yo’ Mama Spring 2007
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Relationships
News From The Hood
Written by: Trina Ivany I Was Here. Now how many times have we seen this written somewhere? Many times this saying has been written by some teenager on a bath room stall or a park bench. But when have we ever seen it written and have it mean something? Well in Toronto five young women all under the age of 25 who are pregnant or parenting made this saying mean something. In partnership with the YPNFA (Young Parents No Fixed Address Network) and The NFB (The National Film Board), these women got the chance to share their stories. They showed their stories in forms of art. They had images, poetry and blogs showing what it is like for them living in lower income to no income around Toronto. These women have endured hardships. All have been homeless and have overcome there hardship enough to show a part of their lives.
The exhibit was called I Was Here and it was seen at Toronto City Hall, Toronto Free Gallery, St. Michael’s Hospital and the National Film Board Mediatheque. It has gotten people talking about issues that young mothers face in Toronto. The issues include but are not limited to are, Ontario Works, transitional housing, childcare, education and justice. Many people from respected fields such as lawyers, social workers and nurses came out to show their support and when they saw what was there they offered their resources to help out. The Mayor of Toronto himself David Miller was quoted as saying “I’m proud and honored to be hosting this exhibition which allows Torontonians to see and hear the deeply moving stories that these talented young women tell through their art.” I feel that these young women should be
comended for sharing their stories and that they should be honored for making a voice for the young women who go through the hardship they have. They show what you can accomplish if you are willing to move forward and not be afraid. At any given time in Toronto, there are 300500 homeless pregnant young women. This number alone should have people paying attention, however it’s a sad truth that society likes to turn a blind eye to these issues. I commend the women of I Was Here for bringing these issues forward to the public view. Their exhibit may be over for the moment but I’m sure it has made a difference, if only by making others see the real world or by having a women hear their stories and seek help. I don’t know about you but I hope this is not the last we see of these women and their art.
Did you know Jessie’s Centre for Teens is 25 years old? The Jessie’s Alumni Committee wants to throw a big reunion party just for grads.
But how can we invite 25 years worth of graduates if we don’t know where you are? Contact us and make sure we have your up-to-date information. In person: 25 Parliament Avenue at Queen Street, Toronto On the web: www.jessiescentre.org/grads By telephone: 416.365.1888 By email: jessiesalumni@sympatico.ca 6
Yo’ Mama Spring 2007
Relationships
Yo’ Mama Spring 2007
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Health & Safety
On Tha Real: Young, Hot and Single
Written by: Lindsay Kretschmer The other night I was absentmindedly setting the table for three. Silly me, cause’ for the last little while that figure has since been subtracted down to two. I shook my head at my mistake and my daughter who caught my emotion immediately jumped in to the rescue with a solution: “leave a setting for Sam” her imaginary friend she said. Ok fine I thought, why not? I mean damn Sam can be the man. Too bad he can’t carry in the groceries or take out the trash! I’m a new single woman, in fact, I haven’t really ever been single for long. This is the longest ever fo sho! I recently left a five year relationship that was headed for disaster and rather than salvage the wreck I decided that it was best to bounce. I never knew it could be so damn lonely out here though! It’s funny, cause when you are with someone, even if you don’t always see them, you know they are there. When three becomes two you become fully aware of how single you really are. Sure I have single friends but I never thought I would join them, but now here I am, new to the crew. Even while I was in a relationship I identified as being a single mom. The man I was with was not my daughter’s father and we didn’t live together. Since we split the single mom concept has evolved to the “single me” stage, 8
Yo’ Mama Spring 2007
in that I am feelin’ kinda lonely emotionally. I’m 24 and I have this huge fear that after I graduate from college and move into my career I will become so focused on my own personal building for my daughter and I that I might not have room for future endeavors in the relationship department. Nonsense! My friends tell me I am crazy, ‘cuz I’m still young, I am independent and attractive. I can’t even hear their talks ‘cuz everyday it seems like my long running personal joke about me ‘dying a crazy old woman alone with lots of cats’ is starting to seem more real. But before I hit the panic button completely I must admit that being single does have its benefits. For example I can now officially do the full head turn and check out a hot guy on the street, whereas before you give a subtle glimpse, naw I can now bust a full out ‘heavy’ type glance. I can now appreciate the smoothness of my crumb free counter as he is no longer here to sprinkle his mess. I can up and go where I want and when I want without having to report to anyone and best of all… I control the TV remote (it’s all mine!!!). On a serious note, above all and anything else, one of the greatest advantages is that I
have had the opportunity to focus on ME and do ME things. I am learning to enjoy my own solitude and freedom and knowledge in knowing that I can do this alone. I see my friends who are in relationships and they seem so damn happy! I envy them for being able to stay together and live together. Beneath that perfect surface they have their problems to just as I did with my Ex. Their problems serve as a reminder of what wasn’t working in my relationship and why it had to come to an end. Still, loneliness kicks in now and again, because the concept and routine of having someone no longer exists, but at the same time I am reminded that while I may not have a man in my life, I do have a little girl who fills my life with joy and laughter making it hard to feel sorry for myself. As Snow White said: “One day my prince will come,” and when he does, I’ll know. But for now you can see me strutting down the street with my sexy single swagger and who knows maybe one day I might stroll down the aisle with a sophisticated and not so-single strut. Whatever the future may hold I am prepared, even if it means stacking up on cat food for when I’m old!
Health & Safety
BEAUTY 101 Written by: Jessica Khan Okay ladies I have debated for sometime whether or not to do a “beauty / fashion” column for yo mama just because I didn’t know the interest level it would generate. But with a brand new year under way and spring- a time of renewal, slowly starting to melt the dull winter skies I thought this edition would be a great time to start. I truly believe that we being young and single moms deserve to look and feel our best. I am no expert but will do my best to provide knowledgeable and affordable tips to help us all feel great. With that being said this edition of our glam guide will focus on moisture and our skin because its never to early to start taking care of it. Your face Taking care of the skin on your face is so important and should start young. The suns harmful UV and UBV rays are out all year round (they can penetrate clouds) draining and eventually aging the skin. Experts suggest using sunscreen year round even in winter. I know we are young and aging is not a major concern at the moment but the way you care for your skin now will have an impact later. My suggestion againmoisturize your face every day. I use a cream with an SPF built right in which is about ten dollars at the drug store which may seem a bit pricey to some but it is well worth it considering you use only a small amount at a time so the bottle will last you months. Great Alternative: baby cream hey it does the trick, it is hypo-allergenic even the no name ones, and is light and gentle enough even for your face. Fact: sunglasses don’t only look hot they also help prevent the lines you eventually get around the eyes (crows feet) caused by squinting from the sun. Tip: as a precaution always read labels just in case, cause hey you can never be too careful especially when it comes to your skin.
Lips Don’t love lipstick, neither do I. Its kind of impractical if you have kids who are constantly touching your face and rubbing up against you. Lip gloss is all the trend right now anyway, and is lighter on the lips. But using a moisturizing lip balm (again with an SPF) helps keep those lips smooth and supple and are available for under 3 dollars, because hey your lips can age to. Tip: our bodies are made up mostly of water and a great way to keep you and your skin hydrated is to drink plenty of it. Your body I always buy the body wash for dry skin even if my skin doesn’t necessarily feel dry because it contains extra moisturizing emollients. Bar soap often dries the skin leaving it tight, dry and itchy. You can get a good body wash for around five dollars and a loofa (or those spongy things) from the dollar store, a must to lather up body wash properly. Right after your shower while your pores are open from the hot water baby oil works wonders, it will absorb in the skin leaving it silky and soft. And it cheap, again even the no name kind is hypoallergenic so it’s safe to use all over and for sensitive skin. Fact: As your skin grows and stretches (like when pregnant) moisturizing daily is known to help prevent stretch marks which we’ve all heard but is actually very true. As with your face we make so many facial expressions per day, moisturizing your face daily reduces the chances of future laugh lines and crows feet.
From head to feet With the winters wind and indoor heat its no wonder our hair can feel dry and brittle- using a ‘hair mask” (like a face mask but for your hair) is a great way to help improve the look and feel of your hair. It is basically a thick moisturizing conditioner that you leave in your hair for 3 to 5 minutes. They sell them at any local drug store for around five dollars or as an alternative using a conditioner specifically for dry hair and leaving it in for 3 to 5 works just the same. Tip: when rinsing out the conditioner, switch water to a cool rinse this helps to seal the hair cuticle. Toes Want to get those feet flip-flop ready, I’ve heard using Vaseline (which I am sure you have laying around the house) and socks work great. Before bed apply Vaseline to dry parts of foot and in between and around toes sleep with socks on and viola, moisturized feet by morning. For the daily preventive moisturize after every shower while your feel are more susceptible to moisture. I know we are all busy and get left as last priority, or often just don’t have the desire or energy, but taking good care of you and your body is essential for your overall health. (Mental and Psychical) Just love yourself and have fun and remember young, hot mama you deserve it!
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Health & Safety IMPORTANT NUMBERS
Melody’s Menu Cream apricot chicken
Child support guidelines 1-888-373-2222 Child support table Canada.justice.gc.ca/ childsupport Go to publications Go to simplified tables Downtown Legal Aid 375 University Ave. Suite 204 Toronto,Ont M5G 2G1 Telephone: 416-598-0200 Fax: 416-598-0558 Scarborough Legal Aid 1921 Eglinton Ave E. Unit 1A Toronto,Ont M1L 2L6 Telephone: 416-750-7172 Fax: 416-750-7184 North York Legal Aid 45 Sheppard Ave. E. Suite 106 Toronto,Ont M2N 5W9 Telephone: 416-730-1588 Fax: 416-730-1625 Etobicoke Legal Aid 5415 Dundas St. W. Suite 101 Etobicoke,Ont M9B 1B5 Telephone: 416-237-1216 Fax: 416-237-0301 www.legalaid.on.ca
Written by: Melody Boreland 2 chicken breasts 2 tbsp sour cream ¼ cup apricot fruit spread 2 medium cloves garlic minced ginger to taste optional dash of salt and black pepper dash of oregano and parsley 1) Cut chicken breast into strips. 2) Mix with ginger, salt, black pepper, oregano and parsley. 3) Heat oil in frying pan then add the garlic. Stir until golden brown. 4) Add the chicken and cook until the chicken is brown. Stir occasionally. 5) In the mean time, stir together the apricot and sour cream in a bowl. 6) Turn heat to low and add the apricot mixture and cover. 7) Cook until chicken is done, 15-20 minutes. 8) Sauce should be like gravy. 9) Serve with hot rice. Little known fact about apricots Apricots originated in China and from there traveled to Europe and the Mediterranean and then across the ocean to North America. In 1972 its appearance was noted in the garden of Spanish missions of California. Apricots, peaches and nectarines all belong to the stone fruits group. The name stone fruits have nothing to do with the texture of the fruits itself however they have a hard shell that protects the seed because the seed is poisonous. Apricots are rich in beta-carotene, Vitamin A, Vitamin C and dietary fiber. Apricots vary in sizes and taste. Unlike peaches and nectarines, apricots are small and golden orange to red orange colour, while peaches are dull and fuzzy and nectarines are shiny and smooth. North America regions that commercially grow apricots are California, British Columbia and Mexico. Other leading producers of apricots are Turkey, Italy, Russian, Spain, Greece and France. Apricots develop best in places where temperature doesn’t fall to –10 °F for long period of time and can tolerate temperature up to 100 °F. Apricots are available from May to August. British Columbia is the only place in Canada where apricots are grown commercially. Apricots can be used in many recipes that call for peaches or nectarines such as pies, desserts, salads or smoothies. It matches well with yogurt, meats, custard, topping for bread and pancakes, ice cream, sour cream, vanilla and almonds to name a few.
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Yo’ Mama Spring 2007
Health & Safety
FITNESS TIPS The Welcome Policy Written by: Ju-lee Kerr (Certified Fitness Professional & mommy) Have you been thinking about trying out a martial art or attempting a dance class? Well, “I can’t afford it” is not an excuse anymore. It’s time to move and enjoy that body of yours, hips, boobs and all. Toronto has been running a much needed program called the Welcome Policy for many years now. It’s awesome because it allows families like you and me to participate in City of Toronto programs either free or almost free, it all depends on your personal financial situation. The programs range from hip hop dance aerobics to camps for kids in the summer. Health club memberships and private studios are not cheap and require an annual commitment. With the welcome policy you get to choose programs four times a year, so if you decide the class is not what you imagined, you can change your program and try something else. Something that works for you and makes you smile. Here’s the deal. You provide evidence of your financial need (income stubs, taxes, letter from church, social worker etc.), along with a few other documents like: 1. Your ID/Birth Certificate 2. Your child’s Birth Certificate 3. Prove of address – a phone bill etc. for both you and your child. If you don’t have all or any of these documents, don’t hesitate to call the welcome policy helpline at 416-338-2000. They will try their best to sort out the problem and process your request. Also ask where you can pick up and drop off your application form in your area. It will most probably be at a civic or community centre.
You can also print it off at this site: http://www.toronto.ca/parks/brochures/ Welcome_Policy_Application_2003.pdf The form requests basic personal information. Fill it out and send it back either by fax, mail or in person. Allow 4 – 6 weeks to receive a confirmation letter in the mail. Apparently there’s a ton of paperwork that goes into it. While you are waiting for acceptance you can go ahead and get the Toronto Fun Guide from the community centre/library nearest you (It’s also online at the address below). You can choose one program for yourself each season, as well as two (one aquatic and one non aquatic) for each child. Programs for your kids are beyond important. Having your children experience team work in social settings will give them a sense of pride, security and confidence. It will keep them sharp and hopefully rob them of all their wiggles. That’s my plan, and I’m sticking to it. Apart from draining them of their energy, you will also be giving them independence and a healthy heart. Trust me, they will be way less cranky and you’ll get to see that gorgeous smile of theirs more often. It’s a great opportunity for you to try out things you’ve never done before. Adding activity into your day will make you a happier mom with less jiggle. Losing weight, sleeping better, relieving stress and feeling stronger are only a few of the benefits that you’ll experience. I bet you’ll meet other mothers and possibly make some lifelong friends. So no matter your situation, there is always a way. Check out this website and apply today: http://www.toronto.ca/parks/welcome_ policy.htm
Children’s Fitness Tax Credit As you may be well aware, obesity is becoming a much needed topic of conversation, and I don’t mean name calling. In our culture of eating for three and parking your wide load in front of the computer or television for hours on end, I am not surprised that the government now has called for a Children’s Fitness Tax Credit. Obesity in children is more than just a problem, it’s an early death sentence that parents just have to be aware of and do something about. You are more likely to become an overweight teenager if you are an overweight child. You are even more likely to become an overweight adult if you were an overweight teen. Even if you are merely 10 or 20 pounds overweight, your heart has to work a lot harder to pump your blood around your body in order to sustain your vital systems. Your quality of life begins to plummet as everyday activities become harder and harder. As your waist band expands, your hopes in being socially accepted diminish causing serious emotional and self esteem issues that will feed your need to eat. A vicious cycle if I ever saw one. The Children’s Fitness Tax Credit is a tax deduction that will pay back a portion for any program that is considered to significantly help your child stay active and healthy. Your child will be much happier as he/she learns how to work as a team, playing soccer or even learn valuable life lessons like the importance of know how to swim. You not only will enjoy the rebate next year, you will experience a noticeably happier child with a whole lot less stress. Resources relating to cheap ways to keep your kids going : http://www.canadiantire.ca/jumpstart http://www.ywcacanada.ca http://www.ymca.ca Editor’s note: Even private companies and organizations have a few subsidized spaces available. Just ask before the registration date and you may find your child enrolled in the program of their choice. Yo’ Mama Spring 2007
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Parenting
PARENT 2 PARENT - Sticky Fingers
Written by: Deb Scorsone
Check out the premier edition of Solace, free with this copy of Yo’ Mama 12
Yo’ Mama Spring 2007
When my child was caught stealing, I was convinced it was a matter of time before she married a guy named Clyde, changed her name to Bonnie and went on a cigar smoking, bank-robbing spree! I was also convinced that I was somehow personally responsible for her future as a hardened felon. I was much relived to find that an attempt at shoplifting or other petty theft is about as common in the 4-7 aged set as cutting their own hair or cheating at board games. The moral implications surrounding stealing certainly add to its upsetting nature. In the adult world, stealing is grounds to cut off communications with someone. When it’s your own sweet baby that is engaging in this activity, it is as important to keep your wits about you as it is to stop the behavior in its tracks. To begin the discussion of children and stealing, let’s look at common reasons young children steal. In very young children, the idea of ‘mine and yours’ has not been completely established and so stealing is more a question of picking something up and not wanting to put it down again. By the age of about 3, however, children begin to know that stealing is not acceptable behavior, just as they are beginning at this age to ask before grabbing toys and other personal space boundaries. In her book ‘The Parent’s A to Z’, Penelope Leach describes the common reason children steal. The major reasons she sites are: stealing as a ‘dare,’ or as a sort extreme game of cops and robbers. This is more likely to affect the pre-teen crowd, but it is as well to be aware of it. The reasons that are more likely to affect young children are: in order to acquire something that is seen by the child as a genuine need, for example, that hair tie, band-aid, or sticker set that is all the rage at school, but is outside the family shopping budget. To a child this thing may seem enormously important, and without an allowance, theft might seem a reasonable means to get it. Stealing in order to buy friendship is a second and more serious reason, and can be a warning sign that issues may be cropping up at school. This sort of behavior suggests selfesteem issues may need to be addressed along with discipline surrounding the act of stealing itself. The final, and most worrisome reason Dr. Leach mentions is stealing as a means of
acting out or obtaining some non-physical element that the child feels she is missing in her life. So when looking at theft, it is important to understand that it is not always a question of “see, want, take”, nor is it a simple issue of disobedience. It is crucial to ascertain why your child is stealing and to deal with it as a symptom of a greater whole. This does not, however, mean that discipline is not warranted. Theft, as with other anti-social behaviors, must be dealt with thoroughly and promptly so it does not become a long-term habit. The American Academy of Child and Adolescent Psychology suggests responses that encompass the following: 1. Tell the child that stealing is wrong. 2. Help the child to pay or return the item. 3. Make sure the child does not benefit from the theft in any way. 4. Avoid lecturing, predicting future bad behavior or saying you now consider the child to be a bad person. 5. Make clear that the behavior is totally unacceptable within the family tradition and the community. In a general discussion of discipline, my personal favorite parenting guru, Barbara Coloroso, gives four major guidelines in her best selling book ‘Kids Are Worth It’, the best discipline will: 1. Shows kids what they have done, 2. Gives them ownership of the problem, 3. Gives them options to solve the problem; 4. And leaves their dignity intact. The last of these guidelines is the one that I find the most important. I have rarely seen anything make a person tune out so quickly as speaking to them as though they do not deserve personal respect. An element that I feel is important to keep in mind when using discipline in parenting, is to make sure your child understands that the correction of the behavior is separate from your unchanging love for the child. So here I am at the end of my article, without a definitive answer to the question of stealing. The fact is I don’t have all the answers. I doubt anyone does in the end. Rather, I have attempted to give you, dear reader, information that may help in your individual search to parent in your individual situation, your child, who is, himself or herself, an individual.
Parenting
Tales In Transit: Turn Around at the Turnstile Written by: Lindsay Kretschmer The sun is blazing as I trot downstairs to leave my apartment. I open the door to exit and the bright yellow sun splashes over me making me feel warm and welcome. Today is gonna be great! I tell myself as I skip through side streets on my way to the subway. I decide I’d rather walk than wait for the bus that will take me three blocks to the station. I am lookin’ good, feelin’ great and the world seems to be smiling at me. I arrive at the station, reach into my big bulky (aka trendy) purse and snatch up my wallet to bust out my ticket. Grinning at the booth dude I drop it in and continue on my mer…. Wait! I am suddenly stopped dead in my tracks, turnstile frozen – time now standing still. I look at the booth dude to indicate the issue; he shakes his head and starts rambling muffles behind the Plexiglas. I’m like “dude, I don’t hear you what’s the beef?” I lean a lil’ closer so I can actually try to hear this man and he tells me to show him my student card…my student card? Damn! I knew I forgot something… you know when you just know? Yeah well it was back at home on my kitchen counter and I was already on the go so, I put on my most charming expression, smiled sweetly and calmly explained I had forgotten it and that I had no more change to deposit. He shakes his head no. Too bad. By this point I’m beginning to wonder if being cooped up in that booth didn’t put a big dutty rain cloud over his grumpy old head.
‘Cuz if he had dipped in the beautiful sun and spring air he would not be grillin’ me he’d be happy like the rest of us. People are behind me growing kinda impatient and there is no convincing this guy – so I decide to pull the “mom card.” I bust out the wallet again to revel an empty money compartment and a fat wad of pictures of my baby boy who is two. I explain that I am on my way to pick up my son and that I go to school at Humewood House where other teen moms go and that I do indeed attend school and that I am finishing my grade 11, but that in the midst of my hurry to leave I forgot to grab my student ID card. Bout’ seven minutes pass by and I am still standing here rambling to this dude, funny thing is he has gone from looking like “Eyore” to actually being intrigued by my story. He looks at pictures of my son Dominic ‘smiling on a swing’ and ‘pouting in his highchair’ and suddenly like magic he smiles and the turnstile unlocks! Alas I am free and on my way again, I look back mesmerized by this booth dudes change in attitude and gallop down the dusty stairs to catch my train, I’m smiling even harder now.
Did you know? Heinz is proud to be the only national baby food sponsor of the Children’s Miracle Network. You can help us support this worthy program by simply saving your Heinz baby food labels. When you buy Heinz jarred baby foods, toddler foods, infant or toddler cereals, save the labels/boxtops and send them to your local participating Children’s Miracle Network Hospital Foundation. Heinz will make a donation to the Children’s Miracle Network for each label collected! Through the Children’s Miracle Network, your Heinz labels will fund medical research, new equipment, and other critical hospital programs in your local participating children’s hospital. Since their partnership began in 1991, Canadian parents have helped to raise more than $2,000,000 for the Children’s Miracle Network, simply by collecting and submitting their Heinz baby labels! The Hospital for Sick Children Foundation c/o Label Savings Program Agincourt Civitan Club 76-180 Station Street Ajax, ON L1S 1R9 Yo’ Mama Spring 2007
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Parenting
K.I.D.Z Kids In Discovery Zone
Written by: Vanessa Young Everyone loves play dough. The feeling of squishing that soft dough between your hands can be very relaxing for many people. Play dough is a great inexpensive way for your child to build and enhance many different developmental skills. Depending on where your child is developmentally they can learn some of the following skills: fine/ gross motor skills, expressive and receptive language, simple math and reading skills (counting, measuring, letter recognition, following a recipe.) Play dough is really easy and quick to make.
Play dough recipe 1 cup of hot water (boiled) Half a cup of salt 1 cup of flour 1 tbsp of oil 1 tbsp of cream of tartar (optional ingredient, cream of tartar works as a preservative) * A few drops of food coloring or a kool-aid package. Kool-aid gives the play dough a great scent! **Helpful hint add the food coloring or kool-aid to the water prior to adding the water to the flour this gives the play dough even consistence in color. Start off by boiling the water in a pot. Add the salt and coloring to the boiling water. Remove the hot water from the burner. In a separate bowl add flour, oil and the cream of tartar. Don’t forget to let your child help add the ingredients. Another great way to get them involved is by creating a pictorial recipe so they can read the recipe by themselves. Once you’re done adding the dry ingredients, move the bowl away from your child and carefully pour the hot water in to the bowl and stir. Once the water cools off, begin to knead the mixture until it’s smooth (Allow your child help you knead the dough). Store the play dough in an air tight container or in a zip lock bag, it should be good for approximately one week.
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Parenting
Never Forget The Dream Written by: Trinity Abbott I grew up in a nice middle class neighbourhood. All the houses looked the same. All the neighbours were friendly. You could see all the kids in the area riding their bikes in the summer and building snow forts in the winter. Growing up there we felt safe, loved and had a sense of togetherness. Our parents sheltered us from the real world while gangs were forming and people were killing each other. We never knew what it felt like to live in fear, to feel hatred or racism. I dreamed of meeting a prince one day, falling madly in love and having my own children. It seemed like a simple enough dream, and which most of my friends succeeded in fulfilling… I was one that didn’t. I don’t exactly remember where I went wrong. I do remember that in high school it wasn’t cool to do your homework, it wasn’t cool to know the answer to a question a teacher asked and it wasn’t cool to just be yourself. It was cool however to skip class and hang out with the boys behind school and smoke. It was cool to go to parties, drink and have sex. It caught up with me however and by the time I was seventeen I was pregnant. My family was furious, my boyfriend was abusive in every way imaginable and my friends were busy picking out their dresses for prom and choosing their colleges… without me. I was hurt, I was angry and I was jealous. I was in no way ready to raise a child. My daughter now lives with her father’s family.
I have no idea what she looks like. I have no idea what her likes or dislikes are. I have no idea what they tell her about me, but the worst part of it is that I didn’t learn from the experience like I should have. Instead I got involved with another man who was equally abusive and two children were the result of the relationship. My son and daughter are eleven months apart and we are a different form of family than I dreamed of having when I was younger. I am a single mother in every aspect of the word. The children’s father lives in another country and we do not keep in contact with him, nor does he support us in any way. Both of my parents have passed away and now I live in Toronto housing. Although the building I live in is brand new and looks very nice from the outside, the residents know differently. We walk pass the drug dealers in the lobby, we hear arguments in the middle of the night and it’s become normal. We almost know the police officers by name when they are called out to our building. Our kids can’t play safely without worrying that gunmen may open fire at any given time. I look over my shoulder every time I leave my apartment.
I lecture my children every day about staying right by my side, instead of running ahead of me because I know I can’t protect them from stray bullets if they are too far away from me. I see the looks that the other parents give me when they find out where we live. I am now the one that is being prejudged and I now know the feeling of hate and anger. There are many times when I feel like I have failed my children, and just as equally, there are nights when I can’t sleep because I am thinking about ways to change the lives of my children and myself, but also the lives of the kids who are killing each other. The anger and the hate are fuel for me to go back to school. I want to be a child and youth worker. I want to get my kids out of here. More than anything I want to succeed so I can look at myself in the mirror. Sometimes at night I still dare to dream of prince charming coming to rescue me. Just now he’s a bit different then the one I dreamed of when I was a little girl. Yo’ Mama Spring 2007
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Education
Politics 101: Jordan’s Village Written by: Lindsay Kretschmer In June of 1997 a baby died. His name was Jordan Heikamp and he died from starvation in a shelter where he and his mother lived. This tragedy caused an outrage among the citizens of Toronto and neighboring cities and to this day has not been forgotten. In honor of baby Jordan Y.P.N.F.A (Young Parents of No Fixed Address) in partnership with Humewood House, Wraparound and other community support agencies, developed a plan to create a safe and stable living environment for young mothers and their children. This will be a place where young mothers, who are at risk of being homeless or are currently, will live and receive a broad range of supports relevant to their changing needs. Jordan’s Village is a transitional housing project for young mothers under 25years-old, who are pregnant or parenting. This project is made possible in a joint effort with TCHC (Toronto Community Housing Corporation), YPNFA and Humewood House. The TCHC will play an instrumental role in the development of this site which is located at 1900 Sheppard Avenue (near Jane Street). The building will be three storey’s high and will house 27 units, 23 of which will be one bedroom and four of which will be two bedrooms. Their will be on site laundry, offices for staff, a meeting room that can hold up to 100 people, a community kitchen and a multi-purpose room. The meeting room was designed so that it can be used interchangeably, in that it can be used for resident meetings, homework clubs, community gatherings and breakfast programs. The main goal of Jordan’s Village is to provide young women with a safe and supportive environment where they can begin to work on building their lives in 16
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preparation for independent community living.
as City Councillor Maria Augimeri continued to speak while I did.
With on site support and services to assist women in developing the life skills and resources they need to reach maximum independence the women have an even greater chance of succeeding in attaining their personal goals.
Councillor Augimeri was not only rude and disrespectful, but her contempt for the project and for young mothers was clearly evident. Her actions were anything but an inspiration to a room full of women who could have looked to her for inspiration because of the position she holds in city politics. Augimeri at one point stated that she grew up in ‘housing’ with a single mother, yet it was evident that she learned nothing from that experience for she certainly lacked any empathy.
The building of Jordan’s Village is soon to be underway, however, plans to build did not go so smoothly initially. After much debate from local residents in the Jane and Sheppard area in combination with city by-laws and need for approval Jordan’s Village grew. The city was not in favour of this project and one city councilor by the name of Maria Augimeri was dead set against it from the get go. I attended one city review requesting permission to build on the site where over 40 women and their children were seated for hours waiting to hear the outcome and to share their thoughts in support of Jordan’s Village. Community supporters and the YPNFA were also there in numbers, all to show support and fight to have this plan made possible. I sat and listened as community workers and young mothers exchanged stories and thoughts on the importance of such a project. Later, I myself took the podium and spoke to the council. As I spoke about what I know, I watched in disappointment
As the day wore on the women grew tired, angry and frustrated and rightfully so – here we were young mums and community workers alike fighting a cause that was more than worth it, only to face the rejection of a city councillor who clearly did not support the cause. That day we didn’t win. But after tireless work and perseverance from members of the YPNFA, the approval eventually did come because they never gave up hope. Jordan’s Village will soon be born and with it came a struggle, but in the end there was triumph, and Jordan’s Village will no doubt provide nothing less than the best for all those women and children who will one day live under that roof.
Education
Fashion 101: Maternity Wear Written by: Deb Scorsone There are many unusual things that a pregnant woman is allowed to do simply because she is pregnant. These things include eating asparagus at all hours of the night, or getting into near physical fights with shopkeepers over the cost of juice, or crying inconsolably at the movies, even when the movie is “The Muppets Take Manhattan.” But something you should not be entitled to get away with, especially when pregnant, is a crime against fashion! I know, you can’t see beneath your belly’s equator, it doesn’t matter what’s going on down there, right? WRONG! Just because you feel like an ungainly, top-heavy pomegranate with sore feet, it does not allow you leave to begin looking like one! Here are some simple tactics to help you look like that glowing expectant mother who hasn’t gained an ounce over 24 pounds, even though the mention of such a beast makes you want to foam at the mouth. Ditch the pajamas! While maternity clothing stores are expensive places, wearing oversized sweats is not a suitable answer to the problem. They may be comfortable, but pajamas, fuzzy slippers and uncombed hair don’t look good; this is so no matter what your pre-pregnancy style. And, while they may hide the baby bump for a little while, eventually you will begin looking like a half-pitched tent or a men’s laundry carousel.
that use patterns as an accent rather than attempting the giant cloud of flowers look. For eight ninths of your pregnancy, spandex is your friend. Some stretchy outfits can work well for your pregnant form without even being official maternity clothes. I know, I know: spandex is a privilege not a right. I’m talking regular clothes with a decent amount of stretch, not a hot pink floral exercise suit. Everybody loves a pregnant belly, and have you noticed the size of your boobs lately? Don’t be afraid to show your body a little bit. While you are pregnant, most of the body is firm enough that the frightening risks of wearing spandex, such as visible dimples and crease sweat, are avoided. Just remember to accessorize with scarves or jackets to distract from the less hot elements of the pregnant physique, like…your legs. Wear clothes that fit! Oversized floppy sweat suit = bad. Undersized garments what are bulging/tearing or scrunching to accommodate your figure = bad. Well fitting clothes that stretch to show your form = good. This would seem the simplest rule of all, yet, so many are caught unaware.
I know you can’t see them, but your legs are still a part of your body! Pregnant legs, as a general rule, are unsightly. In part this is because you can’t see to shave them all the way, but they are also likely carrying excess water. It may be hot out, and your youth may give your legs the edge over older pregnant legs, but think twice about that micro-mini. You may not see anything wrong, but that doesn’t mean you are in the clear. In case you are not sobbing uncontrollably yet, I will add this; eventually you will outgrow your maternity clothes. Calm down! This generally does not happen until the last month of your pregnancy, but even so, it is not the time to soldier on with your stretch marked tummy welling over your elasticized pants and below your shirt. At that point it is time to admit defeat and put on a bigger shirt. Wipe those tears away, just look at it as a sign that your baby will be a well developed strapping young child… hopefully with a smallish head. You looked good for the first eight and a half months of your pregnancy and it won’t be long now.
You can get away with non-maternity items such as a jacket or scarf, however, you will need maternity basics. Try to get a couple of pairs of pants and a couple of shirts. With a few basics, that are true maternity wear, you can accessorize around to make several different outfits. This generally means solid colors and simple lines. Patterns that kill! Horizontal stripes, or overly busy patterns can make even a slim pregnant belly look bloated. While a little bit of patterning can really make an outfit, it can also cause major problems. I generally try to stick to solids, or to outfits Yo’ Mama Spring 2007 17
Education
72 Hours Emergency Preparedness By Hermina Campbell Emergency Preparedness. Many of you may have heard something about this but are not really aware or even understand what this really is. Let’s say there is another blackout like back in 2003, what would you do? Do you have what it takes to survive it? What about your kids? Do you think you could get them through it? All our lives we are taught to be prepared just in case of an emergency. It could be the advice of keeping your cell phone on or having extra cash to get home. We all put emergency numbers on the fridge, for the babysitter, to let them know who to call and what to do in case of an emergency. Ok that’s all fine and dandy…..But what would YOU do in case of a fire, flood, blackout or other emergencies? Being prepared is more important than anything. Every year a national event called Emergency Preparedness Week takes place to create more awareness. These events take place every year in the 1st week of May. The idea is to have people more independently prepared. The Emergency Preparedness Plan is designed to equip families with ways to survive and even escape risky unplanned events. Activities take place all week long to allow practice as well the reduction of risks when the real emergency happens. Police officers, paramedics, firefighter and community centre’s all over Canada will take part in the week long events. Many colleges and universities will take part and hold events on campuses. The federal, provincial governments have all adopted Emergency Preparedness Week and the idea of EP has been around since 1995 but didn’t actually happen until 1996 when the first event week happened. 18
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Your emergency kit should include everything you may need to survive for 72 hours, such as: • Water – at least two litres of water per person per day (Include small bottles that can be carried easily in case of an evacuation order). • Food that won’t spoil, such as canned food, energy bars and dried foods (remember to replace the food and water once a year). • Manual can opener.
Activities and such became part of the idea to increase knowledge amongst individuals and to lower the risks in major disasters. Want to participate?
• Flashlight and batteries. • Candles and matches or lighter (remember to place candles in sturdy containers and to put them out before going to sleep).
If you would like to get involved in the EP week, you may go online (http://www. emergencypreparednessweek.ca/) or go to your local fire station to get information. These week long events are excellent opportunities to practice for you and your kids.
• Battery-powered or wind-up radio (and extra batteries).
The best way to participate is to come up with a plan at home and practice it there!
• Extra keys for your car and house.
When making a plan be sure to be very thorough. You and your family need to know where to meet up, where your exits are, and most importantly where you emergency kits are. There is a more thorough list provided by Get Prepared at www.getprepared.ca. Every Canadian household needs an emergency plan. It will help you and your families know what to do in case of an emergency. To create your emergency plan, you will need to think about: • where the exits are from your home and neighborhood • a meeting place to reunite with family or roommates • a designated person to pick up your children should you be unavailable • close-by and out-of-town contact persons • health information • a place for your pet to stay • the risks in your region • the location of your fire extinguisher, water valve, electrical box, gas valve and floor drain.
• First aid kit. • Special items such as prescription medications, infant formula and equipment for people with disabilities.
• Some cash in smaller bills, such as $10 bills (travellers cheques are also useful) and change for payphones. • A copy of your emergency plan including contact information. • It is always a good idea to have extra supplies on hand. Here are some recommendations: • A change of clothing and footwear for each household member. • Sleeping bag or warm blanket for each household member. • A whistle (in case you need to attract attention). • Garbage bags for personal sanitation. • Toilet paper and other personal care supplies. • Safety gloves. • Basic tools (hammer, pliers, wrench, screwdrivers, fasteners, work gloves). • Small fuel-driven stove and fuel (follow
manufacturer’s directions and store properly). • Two additional litres of water per person
per day for cooking and cleaning.
Education
72 Hours Emergency Preparedness
The basic car kit should include the following items:
Keep local shelter numbers available just in case.
• Food that won’t spoil, such as energy
Try to have a battery run radio available so that you are aware of any specific government instructions as well as to stay up-to-date with whatever may be going on.
• Water, • Blankets, • Extra clothing and shoes, • Candle in a deep can and matches, • First aid kit with seatbelt cutter, • Warning light or road flares, • Small shovel, scraper and snowbrush, • List of contact numbers, • Sand, salt or cat litter, • Antifreeze/ windshield washer fluid, • Tow rope, jumper cables, • Fire extinguisher, • Roadmaps, • Whistle; and • Flashlight.
For families with young children you may want to include other items such a baby food, diapers and wipes. Keep it as basic as possible.
Emergency (Ambulance-Fire-Police) 911 Directory Assistance 0 or 411
If you have a car, prepare a small kit and keep it in the trunk. Check off the items as you accumulate them.
bars and sports drinks,
Important Phone Numbers
Most importantly don’t panic! If your children see you panic then they will panic too. Try to keep calm and everyone occupied. Be safe! Here are some helpful websites to assist you in your planning. www.getprepared.ca www.safecanada.ca www.EPweek.ca
Community & Government Services Information 211 Tele-Health Ontario 1-866-797-0000 Poison Control Centre 416-813-5900 Children’s Aid Society of Toronto 416-924-4646 Catholic Children’s Aid Society (CCAS) 416-395-1500 Native Child & Family Services 416-969-8510 Jewish Family & Child Services 416-638-7800 Toronto Public Health 416-338-7600 Legal Aid 416-598-0200 Kids Help Phone 1-800-668-6868 Taxi Beck - 416-751-5555 Diamond - 416-366-6868 Royal - 416-777-9222
Try to teach you children how to call 911 for emergencies. Yo’ Mama Spring 2007
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Feature: MONEY
Feature: $ MONEY $ Everyday I’m husslin’ - Rick Ross So now everyone wants to take money - 50 Cent
And if you wanna get down, all you gotta invest is your time -Jay-Z
Cash rules everything around me, cream get the money, dolla dolla bill y’all - Wu Tang Clan
It’s funny how people switch when they get rich - Akon
Wanna get with me, no money, oh no, I don’t want no scrubs - TLC
I need a boss like hey! Who’s flossin like hey! Tossing dough like hey that drives me crazy! - Shareefa I’m willing to do what it takes, whatever the stakes in order to get myself some dollar bills - Ludacris
You helped me get the keys to that V dot 6, we was so happy poor but when we got rich, that’s when our signals got crossed - Jay-Z
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I don’t care if he young or old, just make him very rich, I just want someone that can spend dough - Lil’ Kim
The City of Toronto Has Loosened Requirements for Subsidized Daycare! Effective January 2007, the province of Ontario introduced income testing as the method of determining eligibility for child care subsidy. Families still need to be working, attending school or have special needs in order to qualify. Income testing is considered less intrusive and assesses parent contribution on income. The system is simpler, more transparent than the needs test which sets a fee by considering available income after comparing approved expenses against income. Under the new regulations families with net adjusted incomes (pre-tax) under $20,000 will pay no child care fees. Net adjusted incomes are determined by either, the Notice of Assessment (NOA) from families not receiving the Universal Child Care Benefit (UCCB) – refer to net income on line 236 or the Canada Child Tax Benefit (CCTB) may be used for families receiving the UCCB as adjusted income,
Feature: MONEY as the CCTB excludes the UCCB. Families with net adjusted incomes between $20,000 and $40,000 will pay 10 per cent of their income over $20,000 and families with incomes over $40,000 will pay an additional 20 per cent of their income over $40,000. Income testing began in January 2007. An additional feature of income testing is the removal of an asset ceiling. Previously, families with assets over $5,000$6,000 depending on family size were not eligible. New clients will be assessed under the new method of determining eligibility. Current clients will be assessed throughout the year as they become due for their annual reassessment.
Financial Terms 101
Annual Fee – An annual fee is a oncea-year charge imposed by many credit card issuers. The fee is in addition to the interest charged on purchases and cash advances. Annuity – A series of equal payments made at regular intervals, with interest compounded at a specified rate. APR (Annual Percentage Rate) – The cost of credit expressed as a yearly rate. This fee is in addition to the interest charged on purchases and cash advantages. Assets – Everything of value an individual owns, such as cars, art, bonds and RRSP’s.
Where families experience a significant (greater than 20%) reduction in income they may be eligible to be reassessed at a lower fee based on estimated current annual income.
Attorney - In this case it is not necessarily a lawyer, like you may initially think. A “Power of Attorney” is appointed to make important decisions about money and assets.
For more information on income testing and fee subsidies, please call the KIDSLINE at 416-392-5437.
Bad Debt – Bad debt is a term used by the credit industry for loans or debts which have been unpaid by the borrower or have gone into default. Bad debts are typically turned over to a collection agency to attempt to collect the outstanding balance of the loan or debt. Balance – The amount of money you have in your bank account. It can also refer to the amount owed to a credit account or loan. Beneficiary - A person named to receive assets or payments. Bequeath - To give away assets, gifts and/ or money within the confines of a Will. Capital – Capital refers to the cash reserves (savings), investments or assets possessed by an individual. Credit – The granting of money or something else of value in exchange for a promise of future repayment. Creditor – A creditor is the term used for the person or entity that is providing credit or a loan to a borrower at specific terms and conditions. Yo’ Mama Spring 2007
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Feature: MONEY
How to begin establishing credit Written by: Lindsay Kretschmer
Establishing credit is a necessary evil in life. Some believe that no credit is good credit, but that’s a lie. In fact no credit is almost equivalent to bad credit because as far as companies, banks and creditors are concerned – you do not exist and are therefore a risk. Establishing credit doesn’t mean you have to go out and apply for 10 Visa’s, but rather it means you need to find a way to make your mark in the stream of things by getting your name out there and showing you’re solid and reliable. One credit card with a low limit and interest rate is a great place to start, for example a student Visa. Your limit will likely be a maximum of $500 therefore you can’t go overboard and get in to debt should you feel the need to jack it up. Making your minimum payments on any and all bills and credit cards is a MUST, for every late or missed payment they add a notch on your credit score that lowers your rating. They who? You ask; creditors, the people employed by companies like Rogers, Bell, Visa and so on. These are the people paid to keep a track record of all of your transactions with regards to billing transactions. Many know them as pests, for they are often best known when they are working on collections a.k.a chasing people for money owed or outstanding debt. DEBT should not be a word in your vocabulary, and if it is, now is the time to start clearing it up in order to re-establish your credit. Bottom line people, is that without an average or exceptional credit rating you do not qualify to apply for loans, credit cards, mortgages (for future) or anything else that allows you the freedom to choose. Without credit you are limited in your choices and attaining future assets will be more challenging. No doubt you want a big crib on the hills and a nice whip to park in your driveway so if that’s what you want than start planning out the steps to attain these things now while you’re young. 22
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If you are in school and or on social assistance you may not qualify for credit cards just yet, but you can start establishing your reputation through your cell phone, cable, internet or home phone company now. Toronto Hydro and Enbridge are also great ways to earn points with creditors providing you make your minimums and pay on time. Those two factors play the biggest role in developing and establishing credit because companies aren’t so much concerned with if they get all their money, but more to the fact they want “some” and they want it on time. If you are reading this and thinking ‘damn, my credit is already ruined because of that massive cell phone bill from back when’ – don’t be discouraged. While you may already be in debt and have collections calling, truth is there’s hope for you! One place to start is through a non-profit debt management organization. You may see the big ads on buses and trains, if you do – jot down those digits and give them a holla. They can assist you ‘free of charge’ in finding ways to manage your debt and make payments, they can also advocate on your behalf and negotiate with whoever you owe money to and in some cases get your debt reduced. If you’re in debt, squash it as quickly as possible and begin building your credit. If you have no credit, now is the time to start establishing it, as it will no doubt take you farther in the future. To find out what your credit score is and what your credit report contains or to obtain a copy, visit the Equifax website at www.equifax.ca. You can also visit the credit education centre on the site to learn more about the effects of your credit report.
Financial Terms 101 Credit Bureau – An organization that compiles credit information on individuals and businesses and makes it available to businesses for a fee. Credit Report – A loan and bill payment history, kept by a credit bureau and used by financial institutions and other potential creditors to determine the likelihood a future debt will be repaid. Credit Union – A federally regulated cooperative financial institution that is owned by the people who use it’s services. Creditworthiness – A term used to describe the state of, or a condition of, an individuals overall credit. Individuals who have established credit and maintained a positive credit history are considered to be creditworthy. Default – A default is a failure to meet a payment or fulfill a credit obligation. Deposit – Money you add to your bank account.
Feature: MONEY Financial Terms 101
How much does post secondary education cost? Written by: Lindsay Kretschmer Elementary, middle and high school were all FREE, 100% pure and free education. College and university….now that’s a whole different set of rims – ‘cuz really really, it is mad expensive to go to post secondary school. The cost to complete a 2-3 year diploma may be high, but than so are the odds that you will find a better paying job in your chosen field. So truly do not allow the cost to frighten or detour you from achieving your goals to become what ever it is you so desire to do, because in the real world money is what you will require if you want to get ahead in terms of lifestyle. Money is made by working at a job that can take you above and beyond the everyday average. I will not sugar coat the reality of the typical “student life” indeed it is a challenge financially, but the rewards make it worth it. You might have to take out a student loan from OSAP, but again, think of it as an investment in your future, because that is exactly what it is. OSAP will grant a single parent with one child up to $18,000 annually (per 2 semester year). This money covers all of your costs, and then some for most and for where you might meet any short falls there are tons of scholarships, grants and bursaries available both through your school of choice as well as outside.
Direct Deposit – A method that your employer or government agency might choose to give you your paycheque or benefit cheque. With direct deposit, funds are electronically transferred and directly deposited into your account. Down Payment – A portion of the price of a home, usually between 3 – 20 per cent, not borrowed and paid upfront.
often speaks louder than experience. There are probably dozens of things you are expert at that you could throw on your resume under “experience” but an employer at a well paying job is going to skim that section and narrow in on the education piece in order to determine your potential. For example you are an expert parent, lets say you applied for a job at a daycare. The salary for this job is above $30,000 and you have no post secondary background, but the next applicant does, she’s got her ECE diploma. Who do you think the employer is gonna hire? You or the other girl who spent two or three years in college? You know what there is to know, cuz you work on the front lines as a mom every single day dealing with your own children, but in reality that comes second to the person who studied it. Education is everything in the eyes of an employer and without it you come second. So let the cost factor slide and consider the long term potential of gettin’ learned so that you can drop it on ‘em in your first major interview.
Remember the slogan: “Be Cool, Stay in School”? Well I invented a derivative: “”Be Kool, Go To School” – I know I know, corny and not so clever – but really I’m trying to convince you of the importance of getting an advanced education despite the cost – you cannot put a price on your future. There are fine lines between education levels and income levels. And the more educated you are the better chance you have to find a well paying job. Fact is without an education you do not qualify for a long term position within any company or organization unless you got it by fluke. A minimum wage income will take you decades to save for a car, house or any assets like that.
Let that résumé shine like it should and get paid. Average Annual College Costs
Society recognizes your work worthiness based on your background and education
Finding a Job in Your Chosen Career? PRICELESS
Tuition $3,000.00 + Books & Supplies $2,000.00 After-hour Babysitting $500.00 Phone, Internet and Cable $1,600.00 Rent $10,000.00 Food $2,500.00 Hydro $800.00 Daycare $1,000.00 Transportation $1,200.00 Credit Cards $800.00 Clothes $500.00 Miscellaneous $400.00
Executor - A person who was chosen to carry out the instructions of the recently deceased. Same as Attorney. Estate - Everything you own. Including property, bank accounts, cars, comic book collection, anything that is justly yours, or any debt you may have accumulated. Finance Company – A company that makes a loans to individuals. Financing Fee – The fee a lender charges to originate a loan. The fee is based on a percentage of the loan amount; one point is equivalent to 1 per cent. Guardian - A person appointed to care for minor children left behind by the recently deceased. Good Credit – A term commonly used to mean that one’s credit has been handled responsibly and that payments have been made on time. Gross Income – The amount of income earned before any deductions such as taxes or union dues. Inflation – An increase in the general level of prices. Interest – A fee for the use of money over time. It is an expense to the borrower and revenue to the lender. Also, money earned on savings account. Investing – The act of using money to make more money.
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Feature: MONEY
What Does Money Mean to You? Written by: Ju-lee Kerr Not only is money represented by numbers and digits, it also symbolizes a deep emotion within us that can often cause conflict and frustration. The feelings you possess about money can make or break your bank account or even relationships around you, if you don’t take a serious, retrospective look at all that has added up. Take a step back, open your mind and spend a little time thinking about what money really means to you. WARNING: This may cause feelings of irritation, frustration, embarrassment or even anger. Thinking back to my childhood I notice several conflicting messages that I received throughout my young life. On one hand my mother was always a hard worker, a smart saver and a modest spender. She would definitely spend her cash on her kids but rarely did she get herself that new pair of shoes she desperately needed. To some extent it seemed a little too unselfish for her well being. So the message I got from her was work, save and spend only what you need to (possibly to a fault). Turning around to see my father’s spending habits was like Yin and Yang. His business plans were extravagant yet most times unrealistic. His drive to hang on to a job was low and when it came to taking risks, he was the king of the hill. His gadgets and toys were always amusing, although not practical in a sense that he was living beyond his means. I don’t know if he saved money, I do know now that he is in grave debt that is causing him much stress as it torments him every time he checks his mail. From my father I learned to buy funky things that I enjoyed, take monetary risks and pretend that debt couldn’t possibly happen to me. As I sit here trying to honestly portray to you what money means to me, I have to say 24
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that I can be stingy sometimes yet giving other times. I don’t have a savings account although I do have an emergency stash that hopefully I’ll never have to use. I can be a frivolous spender when it comes to my weaknesses; clothes and restaurants, although I will also hibernate and not spend a penny for months at a time. I’m a bargain hunter at its best but I have also spent a pretty penny on my own business, which is understandable. I believe in a way I rock back and forth with my attitudes toward money, which I’m not so sure is a good thing at all. Now close your eyes and look back to when your parents were teaching you about money. What types of things did you see them do? Did they work as a team? Were they’re messages conflicting? Did they fight about money a lot? Did they ever sit down to teach you how to save, do your taxes, write a check to pay a bill? Try to be as honest as possible when answering these questions. It is a sad thing that most parents don’t take the time out to teach their kids how important it is to be smart and organized with your money. I believe that it is even sadder that schools don’t teach us these vital life skills of how to live in this society so focused on capital. Jot down your ideas that have manifested from your trip down memory lane. Now take a quick look at the list below: 1. 2. 3. 4. 5. 6. 7. 8. 9. 10.
Security Necessity Comfort Love Power Control Freedom Happiness Opportunity Luxuries
Obviously there are more meanings that exist, but to narrow it down choose for yourself two or three from the list, number one being your most dominant meaning. When, where and how were you taught to feel this way about money? Who taught you this and were/are they successful at maintaining a satisfying financial life? Does money bring up feelings of guilt or worry? How and when do you choose to spend money? It’s interesting to know that, on average, North Americans spend 10 per cent more than what they earn. This means that most people are living with some kind of debt, a debt that could add up really quickly and become a very serious emotional problem. Debt can be responsible for reported cases of stress which shows itself in the form of insomnia/interrupted sleep, eating disorders, alcohol/drug abuse, Nicotine addiction, obsessive shopping/gambling (ironically enough) etc. etc. Another reason people may find themselves in a rut is because the majority of people don’t physically budget. They may guesstimate but rarely do they sit down to bring it to life. Our world of invisible money may be fun when purchasing a car but could also prove very dangerous for your emotional well being and your mental health if not tracked and managed properly. Once you have determined what you believe money means to you, it is wise to relate the same subject to you spouse or partner. Finances are one of the leading causes of divorce or break up. When you embody conflicting ideas and attitudes about money, it makes it extremely difficult to work together as a team especially if you are sharing a bank account. Talk to your partner about this and discuss the similarities and differences you have about the subject. See if you can help each other grow smarter with your money.
Feature: MONEY
T he DL on RESPs: Note the Grad Hat! Written by: Lindsay Kretschmer When they said kids cost money, they didn’t lie….Did you know that by the time your child is ready to go to college or university it will cost double or triple what it costs now? That’s a lot of money when you consider tuition for one year of college is about $3000+ right now. Not to mention books and living costs! Ok so here is the part where I ask you, my dear reader, if you have yet to establish an RESP a.k.a Registered Education Savings Plan. I know you got all those little flyers and pamphlets about RESP investments from the hospital and if you didn’t you got jipped on the freebie samples and handouts ‘cuz that’s where they start to get you. There is a vast array of different RESP providers, some private and independent and some through banks…so they are widely available. But hold up wait! Before you go runnin’ for the “sign me up” sheet you better do some homework on RESP’s and their providers. Things to consider are how long the provider has been established and what the fees and rates are. The younger your child is when you start and RESP, the better your rates are in terms of how much you have to pay. The older your child gets the more you have to pay on a monthly basis. Also, peep the reputable and long standing providers ‘cuz they are the ones likely to be in business in 20 years when you want your money. RESP’s may sound like the last thing on your list of things to shell out loot for right now, I mean come on Ma, you got bills and rent and a million and one other things to buy and pay out. So why even stress about forking out an extra $25-$50 a month? I’ma tell you why.
Because if indeed you want your child to succeed than they are going to need an education and that is only free for so long. It simply makes sense to save cents and begin planning for these future endeavors now. A few things to know: RESP’s can be started by anyone such as mom, dad, grandparents, etc. Your child will need a social insurance number. RESP’s are tax-sheltered…in that you can contribute up to $4,000 yearly and not one cent can be taxed (until you reach $42,000 total max.). RESP’s are paid by monthly installments that can come directly from your bank account for as little as $10.00 per month. Once you reach a certain amount the government will contribute up to $9000 in addition you your contribution. Ontario Works, Child Care Subsidy, EI and ODAP will not touch this area of investment. (they will not deduct). Your child does have some time after finishing high school before jumping right into college or university, for most it is up until age 25.
Financial Terms 101 Joint Accounts – Credit or bank accounts that are held or owned by two or more persons. In the case of a joint account, all parties are held equally responsible and liable for payments and assets accumulated. Last Will and Testament - Instructions set out by the recently deceased regarding distribution of assets along with final wishes regarding minor children and final resting place. Living Will - This document appoints a reliable person to make health care decisions according to one’s wishes. In case the maker of the Will is unable to communicate his/her final wishes due to incapacitation or coma etc. Late payments – A terms used for loan or credit payments that do not reach the lender or creditor on or before the payment due date. The indication of late payments on a credit report are very damaging to an individual’s credit report. Lien – A creditor’s claim against a property, which may entitle the creditor to seize the property if a debt is not repaid. Loan – Money you borrow from a bank with a written promise to pay it back later. Banks charge you fees and interest on loans. Money Order – Similar to a cheque, a money order is used to pay bills or make purchases in cash where cash is not accepted. Many businesses sell money orders for a fee. It’s best to shop around for the best price.
You choose your monthly installment rate and you can increase it at any time.
Mutual Fund – A pool of money managed by an investment company. Needs – Needs are the things in life that are required for basic survival. Examples include, shelter, food and clothing.
You can cancel your plan at any time…but be forewarned that you may lose some of your money to service fees and those can vary in degree.
Net Income – The amount of money paid to an employee after taxes and other deductions have been subtracted. Net income is commonly referred to as take-home pay. Yo’ Mama Spring 2007
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Feature: MONEY
Report card on poverty Written by: Ju-lee Kerr Recent studies show that over 17 per cent of Canadian children live below the poverty line. A sad and appalling number that a country like us should be embarrassed to reveal. In one of the wealthiest countries in the world, almost one out of every six children in Canada is living in poverty. There are many factors that influence child poverty, a cycle that can become a vicious reality to generations of social groups. I don’t believe that the Canadian government has done as much as they could to end the matter but at the same time I am not surprised since many political figures in many parts of the world place their poor on the back burner as they obsess about the capital and those that contribute toward the economy. Because of this perturbing occurrence, over 1.2 million children have suffered. If Canada has successfully reduced poverty among seniors, why is there a setback on saving the country’s children? Many people are at risk for poverty, unfortunately this epidemic has usually shown to invade the lives of only a few, very distinct type of people. Single mothers, not only have to deal with the stigmas of discrimination and oppression they are more likely to live way below the poverty line as Ontario Works makes it difficult for them to climb out of their rut. Poverty promotes depression and stress, substance abuse and/or other addictions, which in turn promotes an unstable household that will have to work so much harder to create a life of happiness. Don’t get me wrong, there are many young mums that have leaped way beyond these hurdles. The idea of overcoming the hardships of poverty is what I am trying to set inside you as you read on. Get mad so that you will get out and do something about it. Women who support one or more children can have difficulties simply finding jobs, I mean come on, it’s a risky business hiring a woman that probably has to miss many days of work due to sick kids, welfare and subsidy meetings, PA days and dental appointments. Think of how maintaining a job and caring for their children at the same time could affect their ability to make it to work on time, concentrate to their fullest and increase productivity simultaneously. It is quite clear that there is a hesitation hiring ladies in the child-bearing years no matter what social class, as threats of having to pay out maternity leave bounce around in your interviewers head, just wait until he hears you already have a child, or two, or three. Immigrant families are also at great risk. Even though we live in a cultural mosaic, there will always be hints of racism, prejudice and discrimination in the workplace. Imagine how difficult it is 26
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moving to a different country. Now consider the stress of having to find a job, a livable home, schools and childcare for your children. The whole time you are still taking care of your family, missing home and wondering if the move was really worth it. Immigrant families are more likely to have two full time working parents that are labouring for minimum wage. Any post secondary education and schooling that they may have achieved in their home country is almost void once they get here to Canada. Even doctors have a hard time working in their field of expertise. When you have people working for almost nothing there is no accountability on the employers part to actually pay them more. I would like to see minority groups affected by poverty to stand up and give them no choice but to listen and react. Oh, but then again poverty can strip a person of his/her dignity and pride, causing her to either be overly aggressive or extremely unassertive, to a fault. Aboriginals have always had the short end of the stick, not only in Canada but other countries like the United States, Australia and South Africa. Since the time the Europeans met the Natives, First Nations were treated in inhumane ways. They were torn from their culture, taken away from their parents at young ages and placed into the school system that white people thought would be appropriate. No better way to break down a society than to take away it’s children, their future. Apart from introducing deadly diseases and alcoholic beverages, the Native people were forbidden to practice their religion and daily rituals. There is no surprise to me that this pain from the past still exists. 1. One in eight Aboriginal children are disabled – that is double the rate of other Canadian kids. 2. Almost half of all First Nation children need basic dental care. Dental problems not only affect the health of your teeth and gums, it can be responsible for all sorts of other diseases. Periodontal infections of the mouth can actually contribute towards heart disease, stroke and diabetes. 3. Toxic mould takes over 1 in 2 Aboriginal homes. Mould is extremely dangerous causing a compromised immune system, hemmoraging of the lungs, asthma and sometimes even death. 4. Almost half of First Nations kids live in a single family home. That is two strikes against them. 5. 40 per cent of Natives living off Reserves, live in poverty.
Feature: MONEY Ontario has the largest poverty gap in all the Provinces of Canada. The poverty gap can be briefly described as the space that exists between the very rich and the very poor. You’ve probably heard the saying ‘the rich get richer and the poor get poorer.’ Well in Ontario, that is exactly what is happening. Over the past 10 years, the poorest 10 per cent of the population have experienced an 18 per cent increase in their income. Over the same 10 years the richest 10 per cent of people have seen almost a 50 per cent increase. The gap is growing larger and the poor are definitely not getting richer. Some studies have shown that the top rich make up to 82 times more than the poorest of the poor. What is going on in this province? So after dissecting the situation and analyzing who is at risk for poverty the question arises, “What is the government doing about it?” Being an Ontario Works participant myself, living below the line, I have first hand experience on how they like to handle their affairs. They’ll issue about $500 for rent to a single mother with one child (what kind of place could you possibly live in?), barely $450 for basic needs like food, clothing, toiletries etc. You have the luxury of only paying $2 for prescription drugs which is definitely a bonus and much appreciated. Welfare will issue some extra cash for school supplies if you’re attending full time, and they’ll dish out a couple of hundred for a haircut and appropriate interview clothing one time. Every November you get $100 for a new snow suit, boots, hats, scarves and gloves for your little critter. If you’re moving, you can apply for a fund that will help you out with first and last months rent along with any furniture you may need in your new place. So let’s see maybe $1000 a month, if you’re lucky. In terms of cut backs, Ontario Works has made many. The most mind boggling one of all concerns the National Child Benefit Tax. If you are participate in Ontario Works, your NCBT check of somewhere around $250 per month for one child is divided by two and taken off your check. So the government gives you $250 to help take care of your kid and then takes $125 back the next month. Politicians have promised for a long time to rid the system of that clause. However, they still enforce the clawback.
The risks for heart disease, stroke and diabetes have dramatically risen, alarming the government to quickly act. This credit will help pay for kids programs that significantly improve their physical wellbeing. I am very much for this new program as it will help many people in poverty in the sense of stress relief, social acceptance and physical health. So as 472,000 children live in poverty in this spectacular Province of Ontario, we wonder exactly what we can do to help the situation. Our future depends on a change in our behaviour towards those less fortunate than ourselves. It is our responsibility, poor or rich to want things to change so badly that we will not stand for anything less. Vote for the government that has realistic ideas for raising the line of poverty above pathetic and challenge them if promises are broken. Support programs that intend to help those with little financial well being but most of all respect all human beings, rich or poor, small or big because ‘he has a heart like you have a heart’.
PROVINCES WITH HIGHEST CHILD POVERTY RATES P.E.I: ALBERTA: MANITOBA: QUEBEC: NEW BRUNSWICK: ONTARIO: NOVIA SCOTIA: BRITISH COLUMBIA: SASKATCHEWAN: NEWFOUNDLAND & LABRADOR:
10.8 % 14.5 % 19.2% 15.6% 16.5% 17.4% 18.1% 23.5% 20.1 % 23.1%
In Quebec they have established a system that works very well. By drastically lowering the price of child care to parents depending on their individual income, they were able to create a system that helps raise people out of poverty rather than trap them within the realm. Some families pay $5 a day for daycare, whereas here in Ontario you could pay up to $800 per month. Subsidized childcare is an option although it is invasive, humiliating and a constant threat as it conflicts with the procedures of Ontario Works at times. It is definitely worth a shot, but be patient and willing to spend time working at it. A very recent government effort to help the financially challenged, is the Children’s Fitness Tax Credit. This idea stems from the problem of overly sedentary children in our society today. Yo’ Mama Spring 2007
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Feature: MONEY Financial Terms 101 Pretax – A person’s salary before provincial and federal taxes are calculated.
GET YOUR MONEY RIGHT On Saturday, October 28th, 2007, Ryerson University hosted the Hip-Hop Summit Action Network’s (HSAN) first Canadian Hip-Hop summit on financial empowerment in Toronto: Get Your Money Right. The swarm of participants had started at 7 am, in hopes of seeing their favourite artists and getting some in-depth information on how to make positive changes to their financial situations. “HSAN is a non-profit, non-partisan national coalition of Hip-Hop artists, entertainment industry leaders, education advocates, civil rights proponents, and youth leaders united in the belief that Hip-Hop is an enormously influential agent for social change which must be responsibly and pro-actively utilized to fight the war on poverty and injustice” - www.hsan.org. Panelist included: performers Remy Ma, Lil’ Mo, Hi-Tek, Chris Brown, MC Lyte and Saukrates, model Melissa Ford, video director Mr. X and Hip Hop icon Russell Simmons. All voiced their suggestions on how to gain money and how to hold on to it. The summit featured frank and open discussions on financial literacy. Topics discussed included: the basics of banking, home ownership, repairing bad credit and understanding credit scores, entrepreneurship and vehicle financing. Mc Lyte posed this question on behalf of Yo’ Mama to Remy Ma, a former single teen mom. “What can young women do in particular to achieve financial success, when they’re working with limited budgets, Remy replied “It’s all about how you spend your money. Pay your bills on time so you 28
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don’t incur late payment charges. Know your budget...I know we all want to look fly, but is it worth it to get your hair and nails done if there isn’t any food in the house. No, it’s not. You’ve also gotta think long term. Spending money on your man, verus banking it for a house - what would you rather choose. Make wise money decisions.”
Principle – The actual amount of money borrowed or the amount of the loan that has not yet been paid back to the lender. The principal balance of a loan is the borrower’s debt. Promissory note – A written promise on a financial instrument to repay the money plus interest. Registered Retirement Savings Plan (RRSP) – A tax-deferred investment and savings plan that serves as a personal retirement fund offered by banks, brokerage firms and insurance companies, to which individuals can contribute each year on a tax-deferred basis. Return – The profit made on an investment.
Melissa Ford also commented that it costs a lot of money to look as fly as the women in the video’s. “Remember, we’re models, we only wore the clothes and bling in the video. As soon as the shoot was done, we take it off and give it back to the stylists.” Mr. X also stated “Hip-hop itself doesn’t promote the best financial awareness, the message in most rap songs is all about how much everyone is spending. But they’re not spending it, their record label pays upfront for everything and the performers have to pay it all back. I have huge budgets to rent props from houses to cars to jewellery. It’s all rented.” Russell Simmons and Saukrates both indicated that credit cards are a bad idea for people who work from a strict budget. Their advice, only use them when you know you
can pay it back in a month. Visit www.hsan.org and download the Get Your Money Workbook.
Safe Deposit Boxes – A fireproof locked box that is available in various sizes for a yearly rental fee. It provides you with a secure compartment within the bank’s vault for the storage of valuables, such as passports, jewelry etc. The keys remain solely under the client’s control. Savings Account – A service depository institutions offer whereby people deposit their money for future use and earn interest. Secured Credit Card – A credit card that is backed by collateral (usually cash). Wants – Wants are the things in life that are not essential for survival but are desired for comfort, convenience or status. Withdrawl – The process of taking money from your bank account. You do this by writing a cheque, using an ATM or giving a teller a withdrawal slip. Financial 101 terms were provide courtesy of HSAN and Ju-lee Kerr.
Feature: MONEY
Quick Ways of Making Cash
Written by: Hermina Campbell So spring is here and summer is coming and we all need some extra cash. The kids need new clothes, some of us want to join a gym and there are so many events we all want to attend. So what does one do really? Well ladies have no fear; I’ve got a couple ways to help you make some quick cash. 1. Babysitting. This is probably one of the easiest ways because we have children. Ask you friends and family if they need babysitter. That’s always the best place to begin. Step 1 - make sure your home is safe and fit for additional children. Prepare activities and other things to do to keep the kids occupied (bored and restless children equal chaos!!). Step 2 - make a couple of flyers advertising your new service. Put them up in you local daycare centre or laundry room. Make sure you outline the times you are available as well as a good time to be reached. Describe yourself without out being too descriptive for example: Young mother of one available to baby-sit...etc. Leave the price open for negotiation that way you don’t lose any potential clients. 2. This one is probably a given. Get a parttime job. Fix up your resume or get someone you know to go over it and help you update it. Be sure to outline all of your skills. Hand out your resume at the mall or stores and supermarkets in your neighborhood. Summer is coming up and many recreational centres are looking for day camp staff. This is a good choice because of the free trips you can go on with the centre, as well as free enrollment in any of their programs. It’s also an excellent way to help you become or stay active 3. Do hair. This one is for those super talented people who can work magic on hair. So you may not be able to do hair in a salon, but everyone knows you can hook those braids up. Maybe you know how to put in a weave and make it look magnificent! With talents like this how can you not think money? Once again like baby-sitting, hair styling is a service. A bankable service. So ladies get your flyers together and put them up in your building, at the local daycare, and supermarkets. This is definitely the season when everyone needs their hair done so you might as well get paid for it!
4. Walk kids to school. Ok this one isn’t time consuming at all. It’s very simple and something that a lot of parents would really appreciate. We all know how mornings can be really difficult when we are trying to get somewhere early and still get the kids to school/ daycare on time. Now if in the mornings you don’t have to leave too early and you can take the time out to take a couple of kids to school, this might be the money maker for you. All you have to do arrange with parents a drop off time and you can walk those kids to school. Same with after school, all you have to do is walk those kids home and make sure they get there safe and charge an affordable fee. 5. Be an independent sales person. This is for those who love cosmetics and like feeling like an entrepreneur. Avon and Mary Kay are decent money makers if you are willing to put the time in. They have wonderful perks and freebies that you can earn while selling the product. You will always make money off everything you sell. They do have fees to join but it is worth it. With this particular venture it is important to be very organized and good with numbers. The good side to this is you make your own schedule and you are your own boss. 6. Become a tutor. We all agree that we want the best for our kids. We obviously want our kids to get good grades in school, but sometimes we need a little assistance with that. Now think about how much tutors get paid. This is something you can do. You can take the time out to read to a small child and help them with their words. Maybe even gather a small group of kids and help them understand basic math. You can charge the parent a small fee and also help kids in the community brush up on school. 7. Garage Sale. Ok ladies it’s time to declutter your homes. Go though all your old clothing and see what can be sold and what should just be thrown away. Do the same with your children’s toys. Anything that is dirty can simply be washed. Be careful of anything thing that maybe rusting or broken. You don’t want to sell anything thing that can be potentially hazardous to someone else’s health. Carefully launder stuffed animals or pillows in case of dust mites. Next find a location to have your sale and be sure to check the weather in case of rain. Now create signs
inviting people to your garage sale. Put them around you neighborhood. Don’t forget to put the time, place, date and most important the LOCATION! This idea will definitely help you with spring cleaning all while making some quick cash. 8. Be a personal chef. This is definitely for those who know how to throw down in the kitchen. If you know anybody who gets home late and doesn’t seem to be eating well this is a great money maker for you. Offer to cook dinner for that person for a small fee. You be doing a great service for someone and they will definitely appreciate it. Make sure the meals are balanced with vegetables, meats and grains. Be aware of allergies and the people’s particular tastes towards spices. This is a little bit time consuming so you can definitely charge a little bit extra based on the meal and/or how often you will be cooking for this person. 9. Be a movie extra. So you want to be a celebrity? Movies are filmed all year round in Toronto. So why not get into them? Of course you have to start small, so begin by being a movie extra. Look in the newspaper or in the YellowPages for an agency. Be sure to go onto the internet and research the agency. There are many fakes out there so it’s very important to do you research. Once you find an agency they will call you in for an interview. Sometime you may have to pay
a small fee. This will be to cover costs of photography. The fees should not be more than $300. Anything higher than that, it’s possible they are jerking you around. 10. Walk a dog. Last but definitely not least. If you like dogs, this is for you. Put signs up around your neighborhood and go for it. It is nice if you have experience, that way you will feel more confident with the dog. The most
you will have to do is walk the dog around the neighborhood. Oh yeah and clean up after it if it leaves a little mess, if you know what I mean! I hope that these ideas are helpful and you are able to make some quick cash soon. One of the best ideas is to send in your poetry and articles ideas to ‘Yo Mama’ and who know maybe you to can write for the magazine. Good luck ladies and make that money! Yo’ Mama Spring 2007
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Feature: MONEY
The Benefits of Working
Written by: Hermina Campbell So now you know a lot of quick ways of making cash. But what is it good for if you don’t know what to do with it or the right ways of using it. Money is very important but it’s nothing if you don’t know how to reap its benefits. So here we go, these are all the benefits of making money. 1. Independence. It’s important to all of us. Money can create that. It allows you to depend on yourself and flexible enough to set your own goals and achieve them. It can allow you to afford to get yourself out of a bad situation. The independence you gain from money is purely materialistic, however it’s up to you to appreciate what you have when you have it. 2. When you make money you can plan more for your children and yourself. Take classes in something you’ve always wanted to try. Maybe join a gym. Observe the things your child maybe interested in and act on it. You are able to nurture you child dance talents by being able to send her to classes. Or you can afford to have your child learns skills that help them in the future such as CPR. You can also plan family activities, such as taking trips to places they have never been. A mini vacation always does the family good. 3. Saving money is a big deal. You never know what might happen to you or them. As a parent it is imperative that you be prepared. Saving money for a rainy day is like bringing your umbrella with you when you go out in the rain. Open a savings account and keep it locked so you won’t be tempted to debit money out of it. If you haven’t gone to college or university yet, this could be the right time to save up for it. You’ll have less of an OSAP loan to pay back. 4. Canada has a system in place that allows you to save for your child’s education. You put a certain amount in every month and when your child turns 18 they will match it. Whatever college or university your child may want to go to, most of it will be paid off by whatever you’ve saved. It’s the perfect way to get started from now so you won’t later feel the strains of tuition cost later on. Your children will thank you for it.
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5. Money gives you a lot of flexibility, to buy clothes when needed, to order food when you’re tired, or to get a massage when you simply want to relax. When you need a night out you can afford to pay someone to watch your kids or to take the kids to a movie. School trips are always coming up and you don’t want to not send your child on those trips. You can also spontaneously take your family out when you feel like it. 6. When you are actively making money it is very self-satisfying. You feel like you are doing your part. When you can do things you might not have done otherwise when you were not making money, it’s a really good feeling. You become less stressed out when bills are paid, rent is paid and there is food in the house. You are also setting a good example to your children. You are in a position to teach them about money and the importance of it. 7. Open bank accounts for them and give them an allowance. Show them that it is important to pay themselves first and save the rest. Go to the bank and let someone there speak with them about what they can achieve with their help. 8. Set goals with them as well as goals for yourself. Together with one another’s encouragement it will be close to effortless to achieve them. Make sure the goals are realistic and reachable. The goal shouldn’t take to long to achieve. You want the financial goal to be attainable.
9. Start your own business. Maybe this is the time when you can start that business you’ve been talking about. The extra money may allow you to finally get the equipment or supplies you might need to get production started. Seize the day! 10. Budget. When the money starts rolling in don’t get too excited. Remember you must budget yourself so that that money lasts. Make sure you pay your bills. Make sure there is food in your home and most of all make sure your rent is paid! Money is nice but it wont mean anything if your not handling your finances correctly. 11. Pay yourself first. When paying you bills and making your plans, be sure to pay yourself first. You always want to have money on you just in case of anything. It could be the cab fare that gets you and your kids’ home in that snow storm, or that cash to pay a baby-sitter while you take that extra shift at work. Any which way you look at it be prepared and pay yourself first. I hope that this helps you understand the benefits of making money. It is very important to be realistic with financial goals. Always think of the future when you think money. As parents it is definitely a necessity to have money in this country. When times get hard never give up, always keep trying because it will always pay off. There’s a saying that goes; the darkest hour is just before dawn.
Creating a Last Will and Testament Written by: Ju-lee Kerr Take a seat and a deep breath in. Imagine your child being placed in foster care for months, simply because you didn’t take the time to make up your Last Will. It’s a horrid situation that you wouldn’t want your child or children to have to deal with in their lifetime. It’s bad enough that they just lost their mother, think of the stress they would face being taken from the family they know and forced into the system. Without a written Will, your child would have to wait until the government decides where he or she ends up. Don’t fret, you may have already decided long ago that writing your Will was just way too complicated a task for someone like yourself. Not the case at all, even if you’ve scribbled some last wishes on a piece of paper and signed it, chances are it will hold up in court granted you follow a few rules pertaining to the writing of your Last Will and Testament. Vital things to consider: 1. The very first thing you need to do is clearly identify yourself, your City and your Province. You must include the date. These things become the base of your Will. 2. It is important to revoke any previous Wills, Executors, Guardians and/or Attorneys in order to validate the most recent Will. (Those that apply to you) 3. Appointing an Executor should be done with tremendous caution. The executor has massive power to decide the distribution of money and assets. This person should be someone you trust to make wise decisions on your behalf. Once you have decided on an Executor, you need that persons’ permission before you appoint him in your Will. An alternative Executor can also be appointed in case your first choice Executor dies or is incapable of acting as Executor at that time. 4. Indicating payment for your outstanding debt is a smart and moral thing to do. Debt that is accumulated during your lifetime that is not paid off could possibly be turned over to your loved one.
5. Bequeathing your belongings means that you state what goes to whom, whether it is money, furniture or your clothing and CD’s. Be specific in order to avoid any rivalry between parents, siblings and/or children. Your stuff is yours to give to whomever you think deserves it. (In the case of a joint bank account, the ownership automatically becomes that of the surviving partner.) 6. It is time to appoint a Guardian for your child/children. The most important thing you could do. Just like the process of appointing Executor, you need to take some time deciding who you want to raise your children if you happen to die before they reach age of majority. You need to get this person’s permission in order to finalize in writing. You would normally instruct your Executor to distribute funds for your Guardian on behalf of your children, to make sure that your children are financially supported until they reach a certain age, usually 18 years old. You can also instruct that any extra cash to go to your children once they have reached an age that you believe they would be able to make responsible decisions. Another way of insuring that your money is used wisely is to request it to be invested in a trust, possibly toward your children’s education. Be specific with every wish and every word. 7. It is vital that you have two witnesses present at your signing of your Last Will and Testament. These witnesses can be anyone over the age of 18 but cannot be a beneficiary in your Will. These Witnesses must sign at the end of the document as well as yourself, in the presence of each other. Your Living Will is a document that describes to your Attorney what you would want your doctor and family to do if you were unable to communicate your wishes through spoken word, writing or gestures. If you’re involved in a horrific car accident and are in a vegetative state with little hope for recovery, would you want life sustaining machines to keep your heart beating? Who would you want to take care of your child? What if you will never come out of it, do you want them to pull the plug? Disturbing, yet serious questions to ask yourself. Remember the Terry Shiavo case? One day, out of the blue she just fell to the floor, was rushed to hospital and from that day on she was hooked up to feeding tubes. Her parents were certain that she knew where she was and who they were, although her husband was not so confident of that. She was brain damaged and unresponsive and was kept alive for 15 years after her collapse. After many court cases and much controversy,
Feature: MONEY Terri Shiavo’s feeding tube was removed, a painful experience for everyone involved. She was finally put to rest three days after. In cases of creating a Living Will for yourself you may need a little bit of legal advice. There is a chance that your wishes may not be executed if you are not concise. Your doctor, hospital or even family may be against your final wishes making it harder for them to carry through. You can be specific – what treatments you would want and which ones you wouldn’t. Update your Living Will every five years, according to new Scientific technology. A Living Will is also the perfect spot to communicate wether or not you would like to donate your organs; it could save someone’s life. Other things you need to know: 1. In Ontario you appoint a continuing Power of Attorney for Personal Care. Appoint someone who knows you well, what you want and has the strength to follow through. Be specific and do not leave anything out. 2. Attorney of personal care must be at least 16 years and not be paid to provide health care, residential or social services to you. 3. Your attorney, family, doctor or bank should have a copy of your Will and your attorney should know where the original copy is. There are three ways to cancel a Will.
1. To physically destroy it. 2. To compile a new Will and revoke all previous Wills. 3. To get married. Once you are married you have to rewrite your Will. If you die without having a Last Will and Testament, the government will assign a default Will to you. In other words, the courts will decide every last detail about your estate, burial and dependants. Don’t let that happen, it is not their decision to make. You can find many types of templates on the internet by searching “Last Will and Testament – Canada”, through Will packages you can buy at bookstores or by contacting a lawyer who can guide you step by step as he verifies its validity (see Legal Aid). The Office of the Public Guardian and Trustee can provide forms providing you with information you will need or call 416-314-2800 to order a copy. Yo’ Mama Spring 2007
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Can C.A.S Help You Save Loot? Written by: Jessica Khan When asked to investigate how The Children’s Aid Society (CAS) can save young moms (those with direct involvement) money. I didn’t realize the complexity of what I was asking. The question really became could CAS save you money? And the answer just wasn’t that simple. It was truly challenging because the CAS is pretty tight lipped about their finances. Intentional? I couldn’t say for sure, but as with anything core funded by the government it all boils down to politics. Hesitant to ‘advertise’ I was told, maybe that’s why it was so difficult to get a concise answer from them confirming or denying whether the help/money exists. On the contrary what I was trying to do was advocate on their behalf and shed some positive light, because I first hand know the negative stigma’s associated with the agency. Most people view their involvement as intrusive and usually anything but helpful. I wanted to better research and focus in on the positive aspects to help inform their clients on how they can fully utilize and effectively benefit from the services that the CAS offers. Being a former client myself, I reflected back on my own experience and personal feeling’s aside, I could never disregard the many ways in which they helped me. My involvement with them started out different then most they came into my life at eleven, when me and my young single mother’s relationship began to spiral out of control. Trying to keep peace (and myself) in the my mom’s house, my caseworker felt my mother and I could use some time apart while I did 32
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something fun and productive. They paid to have me enrolled in a drama camp and then an overnight summer camp and then even provided my mom with a brand new stroller for my baby sister. When their attempts failed to keep me at home and I myself entered into care I eventually became pregnant with my son. Of course I had several housing issues arise because I was so young (14), still in care and couldn’t stay in a regular placement while pregnant. So I ended up in maternity homes and shelters. Children’s Aid advocated on my behalf so I could get in to one of Toronto’s better shelters. And anyone who’s been in that situation knows you don’t usually have a choice especially when it comes to women’s shelters. They wrote letters on my behalf, that I was a responsible young parent in urgent need of housing, to help me obtain subsidized housing on a priority basis. While in the shelter they paid my storage fees until I secured my apartment, bought Christmas gifts, and gave my son a brand new high chair. The point I am trying to make is that I know for a fact the funding exits. Though I didn’t always agree with the dynamics of the ‘system’, being in care had its benefits. But I didn’t want to base this article solely off my own personal experiences, precisely why I wanted to speak with caseworker(s) to get there angle on what each client is eligible for. I contacted about ten different workers from Children’s Aid (Metro, Native, and Catholic) and its affiliated sub-divisions and from those who chose to respond gave no dollar amounts because apparently there is none. My understanding is there is no formal
budget set-up for those with casual dealings with them. Eligibility is assessed from case to case and by need. Crown wards, meaning CAS has become legal guardians in which case they provide financial assistants similar to social assistance (cannot receive both) until 18 providing persons are working or attending school. While in temporary care, CAS will provide some assistance, but again it goes on a case by case. And in all cases I am told that CAS will help network, advocate, and provide connections or referrals if and when available for any client in need (food banks, bus tickets, cribs). In the end some of the best information came off the Children’s Aid Foundation web site which I wish someone had given me sooner (www.cafdn.org) I urge everyone to check it out. There is a lot of general criteria on CAS scholarship and bursary applications, a list of funds set-up for camps, dental care, and tutoring. (But again even on this site they are reluctant to specify the criteria you need to meet in order to access). In the end my own relation with CAS gave me more insight then anything else on what CAS is able to do for their clients even if they are hesitant to verify. Having CAS involvement definitely has its drawbacks but at the same time there are ‘perks’. If they’re going to be involved regardless, my best advice is to co-operate and take advantage of their services and never burn any potential bridges.
Resources Young Parent Resource Centres (Shelters) for Pregnant Women under 21 within the GTA. Humewood House 40 Humewood Drive 416-651-5657 Massey Centre 1102 Broadview Avenue 416-425-6348 Rosalie Hall 3020 Lawrence Avenue East 416-438-6880 Bethany Home 450 Pape Avenue 416-461-0217 Beatrice House 177 Caledonia Road 416-652-0077 Places to Stay When Pregnant or Parenting, Any Age. Robertson House 291 Sherbourne Street 416-392-5662 For homeless pregnant women. Birkdale Residence Shelter for homeless women with children and homeless pregnant women. Located in Scarborough 416-392-5637 For referral call Central Family Intake (below) Central Family Intake Referral service to shelter beds Ask about couples program 416-397-5637
All services are confidential. No Health Card is required. Evergreen Centre 381 Yonge Street 416-977-7259 Doctor, dentist, hygienist & chiropractor Eyeglasses and foot care available Shout Clinic 467 Jarvis Street 416-927-8553 ext. 21 Full health and dental clinic Free birth control for clients St. Michael’s Hospital Women’s Health Care Centre 61 Queen Street West 416-867-7640 x 8044 Provides youth-friendly health care during pregnancy, gynecological services, counseling, education and referral to community resources. Ask about the Infant Passport (includes TTC & food coupons). Covenant House 20 Gerrard Street East 416-593-4849 Doctor available Monday & Thursday mornings Need ID Papers or Help Obtaining a Health Card and Birth Registration for Baby? Evergreen Centre 381 Yonge Street 416-977-7259 Milk Coupons Women less than 28 weeks pregnant 416-338-7600
Health Information Aids and Sexual Health Infoline 416-392-2437 Weekdays 9am - 11:30pm Weekends 11am - 4pm Toronto Rape Crisis Centre 416-597-8808 Assaulted Womens Help Line 416-863-0511 Street Outreach Services 416-473-8936 Monday to Saturday 8pm - 12 pm Services for street-involved youth. Motherisk 416-813-6780 or www.motherisk.org Information for pregnant/parenting mothers on harmful substances to their growing babies. Toronto Public Health Call intake at 416-338-7600 Individual or group programs for pregnant women & parents of children aged 0 to 6 years. Planned Parenthood of Toronto a.k.a The House 36B Prince Arthur Avenue (near St. George subway) 416-927-7171 Confidential primary and sexual health care services, counseling, education and outreach for youth aged 13 to 25. The Teen Sex Infoline 416-961-3200 Food Banks Call 416-392-6653 or visit www.foodshare.org Yo’ Mama Spring 2007 33
Resources Homeward Bound
Toronto Youth Cabinet
Job Fair with a Flair
This program provides supports through employment training, transitional housing, on-site child care, oneon-one counseling for the mothers and their children, and many other vital services. The program’s primary goal is to support 32 women and their children to move into independent housing and to have employment with family sustaining incomes within three years. Contact Jacqueline Whittingham, at 416-466-9299, ext. 3006 or homewardbound@woodgreen.org.
Currently looking for members, The Toronto Youth Cabinet has developed policies on issues such as housing and homelessness, youth and police relations, youth programs and services, schools, pools and the Toronto Transit Commission. Get political and make change! Gail Fowler at 416-338-5848 or gfowler@toronto.ca.
Workshops, resume critiques, referrals to services and a variety of employers. Bring resume to Albert Campbell Library on June 8th, 2007 at 10 am - 4 pm for you and Yo Mama. Contact Lorraine at 416-285-0025 x 235.
The Furniture Bank
This program is for ambitious young mothers ages 20 to 29, interested in going to post secondary school or starting their own business. The program will pay for applications to college / university as well as Womens Studies course at York University or Computer Training Courses at Seneca College. Contact Tonika Morgan, at 416-663-27-33 ext. 250 or tonikam@janeandfinchcentre.org.
Remix Project Currently looking for female participants, this program is open to youth ages 15 to 24 who have a vision of what they want to accomplish. Whether it is radio, music, film and television, animation and web design, graphic design, creative writing or photography, the Remix Project is designed to be inclusive of each youth’s needs by building supports and opportunities around them, based on their individual goals. Contact Kehinde Bah at 416-534-5206 or getatremix@gmail.com. Freedom Cypher Located in the westend of T.O., this grassroots youth leadership training program will employ young people from the Jane and Finch area to become more active in their local community. Participants will discuss life challenges that youth in gangs face in these neighbourhoods, such as unemployment, turf wars, Safe Schools Act/Expulsion and develop alternative strategies to make the community safer. Free recording studio time available to participants. Contact Wise at
416-820-1346 or freedomcp@gmail.com. 34
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To make an appointment to receive furniture, you must first be referred by a shelter or a refugee agency. Ask your social worker about a referral to the Furniture Bank. 200 Madison Avenue, Toronto, ON M4V 2W6 Telephone: 416-934-1229 or email: info@furniturebank.org.
Women Moving Forward
Men Are From Mars, Women Are From Venus Written by: John Grey, Harper Collins, Adult - $19.95 Reviewed by: Ju-lee Kerr
Words & Wisdom
This fabulous piece of work will help you realize how, biologically, men and women are extremely different, in turn creating massive dissimilarities in their mental, emotional and physical structure. This book helped me climb out of my narrow mind and I actually tried on the shoes of a man. I soon began to realize that not only can I change the way I feel about men, but I could change the way I approach situations pertaining to the species, in hopes to avoid misunderstanding that most times morphs into conflict. Not only does this book outline what makes up a man, it is also true for the opposite sex. So if you’re in a relationship with either a man or woman or thinking of becoming involved, this book is a fantastic choice. It’ll be one of those “A HA” moments that you can apply to your life, your partner and pass onto your kids. Confessions of a Video Vixen Written by: Karrine Steffans , Harper Collins, Adult - $18.95 Reviewed by: Lindsay Kretschmer Raw and real this book bares all. Karrine Steffans aka Yasmin Santiaga shares her true life story and experiences as a video girl. Karrine takes you through from the glitz and glamour of life amidst some of the biggest rap and NBA stars to the earlier grime of the streets where she fled from an abusive home. This book reads through the eyes of a woman whose lust for fame and affection that ended up leaving her hopeless and desperate for a change. From Ice-T, to Jay-Z – Karrine has seen and done more than most average women dream to – yet her dream was also her downfall for her testament to the way she was treated in the industry by men is a reminder of the lack of respect that many of these artists have for women, and for the lack of respect many of these women have for themselves. This book was off the hook! One Well: The Story of Water On Earth Written by: Rochelle Strauss Illustrated by: Rosemary Woods Kids Can Press 2007 Ages 8 and up - $19.95 Reviewed by: Javon Cain-Allen This book was really cool. I learned that it takes one million tiny water droplets to make one raindrop. The pictures were super good and I wish I could draw like that. I was surprised that most people in the world don’t have enough water to live. Teachers can read this book to their class because it has science in it. People need to stop polluting the water because we need it to live. If we don’t have water we will die. I learned a lot, but it was too long to read in one day. A Night at the Museum - now on DVD Cast: Ben Stiller, Robin Williams, Dick Van Dyke, Owen Wilson Time: 1 hour and 48 minutes Reviewed by: Ju-lee Kerr
Freedom Writers - now on DVD Cast: Hillary Swank Time: 2 hours and 3 minutes Reviewed by: Lindsay Kretschmer
With an outstanding cast you automatically assume that this film must rock. I’ve spoken to people who have loved it and people who have hated it and the only thing they could agree is that this is a suitable flick for kids. My six-year-old was enthralled and I have never seen him captivated for so long.
If you remember Michelle Phieffer in the movie Dangerous Minds than you will definitely appreciate this movie, for while it may follow a similar tale, this story is based on truth.
Larry is a typical dad trying to make his son proud of him. His luck is down as he is looking for a job while trying to maintain a civil relationship with his ex-wife who is now involved with a bonds trader who is handsome and loaded. There’s nothing more humiliating to Larry than his son wanting to be more like his step dad. Larry finally gets a security job at a museum, where strange things begin to take place once the sun sets. Displays come to life, calling for a dose of physical comedy on Stiller’s part. The lines are witty and although the concept is out of this world, I must say that it was informative and I actually learned a thing or two. Your kids will love it and will probably think it was the best movie in the whole, wide world. Of course you know better but you still will be thankful for the almost two hours without your child climbing all over you.
The truth of several students who were all classified as “un-teachable and at-risk”- their truth began on the pages of journals written in their voices about their lives, their struggles, pain and triumphs and those pages made it to the big screen in this movie starring Hilary Swank. Swank plays the ‘goody-goody’ teacher who makes mad attempts to teach and reach the students and after many failed attempts she finally finds a way to earn their respect and encourage them to not only open their hearts but their minds as well. This movie was an eye-opening inspiration. Editors note: Check out the Freedom Writer’s book. It provides in-depth information about the characters that the movie didn’t include. Yo’ Mama Spring 2007
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Words & Wisdom
From Here To There With Caroline Sneath Yo’ Mama recently interviewed a uniquely amazing and inspiring mama whose determination to rise above negativity led her to success in life and parenting. Written by: Vanessa Young
ended up realizing how brilliant she is and that she can accomplish anything she puts her mind to. Even though money was tight she still managed to do things that she enjoyed doing, like seeing dance companies perform.
Recently I had an amazing opportunity to interview a former young mom by the name of Caroline Sneath. Caroline has inspired many young moms with her strong words of wisdom and caring personality. Caroline grew up in Indiana in the 1960’s but at the age of 18 she felt the need to spread her wings and fly, so this small town girl packed her bags and headed for the big city of Detroit. Caroline says that “she was a small town girl with big dreams.” She dreamt about studying fine art but at that time she wasn’t able to fund her schooling so she landed a job at an insurance company. Soon after moving to Detroit, Caroline met her former husband, at the Grande Ball Room a night club in Detroit. Caroline describes this time in her life when the world opened up to her and she had lots of fun living life up. Caroline found out that she was pregnant not to long after she met her boyfriend. During the 60’s it was frowned upon to be young, pregnant and unmarried so Caroline and her boyfriend got married. Being pregnant was a scary and stressful time in Caroline’s life. Caroline grew up in a strict household and the worst thing you could possibly do was to get pregnant but at the time Caroline was in love and she had hope for the future with her new husband. To add to the stress that society puts on young pregnant moms, Caroline’s father died during her pregnancy and she suffered from a bad kidney infection. As there were no social supports for pregnant mothers, let alone young moms, Caroline’s employer asked her to leave her job once her pregnancy began to show. This was a typical practice among employers at that time. There was also no such thing as maternity leave so mothers like Caroline were left pregnant and jobless. Caroline gave birth to a beautiful baby girl and she was perfect in every way.
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When Caroline’s daughter was a year old Caroline went back to work, which was very difficult to do. Caroline said that “strings of motherhood are very strong” but Caroline knew she needed to get back to work to give her daughter the best possible life she could give her. By the time Caroline’s daughter was five-years-old, she knew her marriage with her husband wasn’t going to work out so she filed for divorce, this too was frowned upon by society, but Caroline knew it was the best thing to do for her daughter and herself. Two years after her divorce Caroline made the decision to pursue her dream of going to university to study fine art, Caroline was accepted in the University of Windsor. During her first and second years, Caroline worked many part time jobs to support her daughter and herself. She qualified for a student loan so her schooling was paid for, for the time being. During Caroline’s third and fourth years she landed a job at the university’s library which paid for her schooling. Caroline began to do independent studies and met her professor only once a week. This allowed Caroline to be a full time mother, student and employee. Caroline said the school was very flexible and supportive, Caroline ended up connecting with a few other female students which made university life the best years of her life. She
Once Caroline graduated from university she moved back to Indiana to live with her mom as she felt it was important for her daughter to know her family (Caroline is one of nine children). After a year of reconnecting with her family she decided it was time to move her daughter and herself to Toronto where she pursued working in the art industry. After several years Caroline realized that she wanted to do more. She began to look for a new career in the social sector. In 1989 Caroline began to volunteer with at-risk children and the homelessness. Caroline now works at Oolagen where she works as a fund-raising officer and assists the WrapAround program which helps young mothers access housing, education and parenting service programs. Oolagen and WrapAround works with young mothers, under 25 years of age, who have been involved in the streets. “Young mothers learn the skills needed to raise their infants in a safe and supportive environment. Many of the young mothers in the project have a history with child welfare. Due to the added measure of support and safety afforded by the intensive WrapAround process, young mothers have the opportunity to live with and parent their newborns.”- www.oolagen.org Caroline is an inspiration to us all she has come so far in her life. Caroline uses her past experiences to help many women going through similar situations accomplish their dreams just like she has. Caroline told me “it’s so easy to do nothing at all but it’s also very easy to make a difference.” I think these are words we should all live by. If you need Oolangen’s assistance you can contact them by calling 416 395-0660.
Words & Wisdom Do you have a funny or wacky picture of your child? In this new section, we will be highlighting the funny things children do as they grow up. Simply send in an electronic copy, mail or drop off a hard copy of the picture, and if your child’s picture is chosen, you will receive an age appropriate book for your child. Be sure to add your name, telephone number, address and e-mail so that we can get in touch with you.
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WORD SEARCH CONTEST! When you’ve completed finding all of the words, cut it out and mail or fax it in (along with your name and mailing address) for a chance to win a copy of PhemPhat’s CD, Honey Drops and a book prize pack!
ASSETS INVEST BILL LIABILITIES BONDS LOAN BUDGET NETWORTH CHEQUING PAY CREDIT RESP DEBT RRSP DOWNPAYMENT SAVINGS EXPENSES SPEND FINANCE STOCKS GIC WEALTH INCOME CREATED BY: AMANDA CAIN, 2007
Get Your Money Right H T R O W T E N P P E W E A L T H I
E C E P I N G P X H I L B S I A T S D N O B I E N F A M N I L E C R O I X J E A R D M D E V T Z P Y Z E O O I S E N S A D L M Z S T C L I T E R O O E S E H I N O S V A C D A R E A G C C I N N P S C A B S K H S O I T S B C I H S E G R Z S E O O L N N Q R G B E T C D I P I V N A S D S L I T S T I B U D G E T S I R U N O H I G L C T E R B G L E X P E N R S G N I V A S O H I B I L L E C N A N I F
T S I O P T A L N K A E B Y M I E Y G N A I A P C E N I K W R X O P T D A A L B O Y E L B S E S F O R P C A
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Ride Or Die Chick
Written by: Amanda Cain
I’ve had an epiphany. I would like to declare that I am no longer any mans ride or die chick. I am a me, myself and I chick. From 13 to 27 I’ve held my men down to the fullest But having a month to look back, they’ve never done the same. I’ve been slammed with pinecones, pop cans and peanut shells for dating a black man. I looked after a man for two years while his girl took off to LA, but then he said he couldn’t help me move into my new fly ass crib ‘cause she’d get heated. I’ve given my last reserves to keep my man from getting evicted and even took another dude back who had a kid with someone else while we were on a break. So what was it that broke the camels back? Who backfired so close to my heart, that my dome shattered and my epiphany arose like a phoenix from the flames? My baby daddy of course. The only man that makes me see RED. The man I supported during high-school to pursue his ‘basketball’ career and then left me in a homeless shelter. The man I loved so completely, Who then cheated and dumped me two weeks before I gave birth to his son. The man I allowed full and unlimited access to his child, but who never even visited while I was lying on my death bed. The man I gave so many chances too, had such expectations for. I always thought, as bad has he may be, at least he’s never fathered anymore kids, leaving them to grow up impoverished and neglected like my son. 38
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At least no other woman has been put through what I have. But alas, this was part of the fantasy created in my naïve mind. I found out his good Christian family had been hiding enough skeletons they could fill Beyonce’s closet. The grandfather has been holding down numerous relationships outside of his 30 year marriage, the brother is locked up on gun and drug charges and the sisters that belittled and harassed me for having a child out of wedlock, have both done the same. To take the cake, I have just found out that my son has a two-year-old sister. A secret held for three years! And to top it off, dude didn’t even tell my son, it was his baby mama that broke the news! Now any ride or die chick knows, you hold your men down, regardless if you’re currently with them or not, it’s just part and package of the title. WELL I QUIT! None of these men have ever cared for me as I did for them. They’ve never bought me bling, In fact, they loved MY ching ching too much. Now that I’ve quit, I feel liberated. I finally feel free! I hope that because I’m letting go of everyone’s drama, I will get rid of my own. I’m ready and waiting for the fresh breeze to help my wings flap and allow me to soar. I am a new woman, see me shine, feel my blessings and hear me roar as I smell the fragrance of freedom. In 2007 – DO YOU. I always wondered what that entailed, but now I know and I’m going to be doing the best me I’ve ever done before!
Away She Cries Written by: Jacqueline Graham Away she cries for you, I died now go along and fly. Away she cries to long I’ve strived, but now I had to die. This world I see was not for me, with society I had no bly. I cried to see what happened to me, no place for me to strive. Help I plead, but they failed to see My persistent state of poverty. Society’s assistance was limited, I protested and that was prohibited, Frustration is not to be express among the impoverished, Who are filled with stress. 900 they gave me, 800 was my rent, at the end of the day I had only a cent. Away she cries for you I died, you who always cry… I know I can make it, productive I can be if just given the opportunity. I can make it just wait and see, just allow me to pursue my dreams. MPP and City Councils, I would like for you to see that For me she died, who could of strived. If only you have provided a means for her to survive. Shelter she needed, food to eat, and clothing for her child, But you failed to see these necessities, So she died, and now cries for women like her to fly.
Words & Wisdom
Written by: Jessica Khan
Intoxicated
Intoxicated for wanting more, am I in love with this sadness. I gave up on forever, nothing here seems to last, except misery, An unsung lullaby to my restless soul. Once again love has left me empty and vacant.
Can’t Buy Me Love Written by: Ju-lee Kerr I used to think that money made the world go round and round I used to dream of large, gold coins that I accidentally found I longed to marry into money, momma told me to I used to wish for diamonds, in pinks and reds and blues Now I think the world goes round on one fuel I call love I dream of only golden roads that exist from up above I long to be with one soul mate, the one who loves me so I wish for peace and understanding that only love can show.
My spirit shattered by the death drop spell that has become his love. Can my severe pain be washed away by my fragile tears of glass they spill breaking on the jeweled floor of once my heart. As the pain overflows and I am drowning, I gasp for the lifeline that has become you and what we share. Weeping and withered I cling to you. You understood the purity of spirit, for is that not, what you’ve come for. Now tainted, it is your poison I feen for. Every time I go to taste I get lost and melt away in your embrace. Are you what I need, but I thought I had the need to bleed,
Still I push you away, Yet you entice me to stay in your diluted world of deception and desire. Where I don’t understand the shattered images in the broken glass of my life which cut me deeper and fatally every waking hour. So welcome to this nowhere, where a foolish girl dances in the hands of fate and sleeps with the one she hates. As it seems the more we change how numb we feel. You’ve left me to drift through the days in a burnt tear filled haze in the solitude of heart. I am the captive in which you seek. But you were never meant to belong to me to understand my love now defeated with restless thoughts and nightmares of tranquil happiness. So abandoned once again I declare my betrayal. My empty delusion of love has come and faded, Only to collapse in a flourish of piercing pain and rage. Yo’ Mama Spring 2007
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ISSN 1712-2643