SilverSpoon Magazine Holiday 2010

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John Galliano Splash of Color

10 Common Symptoms of ADD handling aggression in kids

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C

ONTENTS

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EDITORS NOTE

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SILVERSPOON TICKLER

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CITY GEM ATLANTA

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CHILDREN AND THE POTENTIAL HARMFUL EFFECTS OF TELEVISION

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TREATING JEALOUSY

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10 COMMON SYMPTOMS OF ATTENTION DEFICIT DISORDER CHILDREN

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HOW TO MAKE A SMART BABY

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IN THE GREEN CORNER WITH HONEST TEA

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Contents

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JOHN GALLIANO SPLASH OF COLOR!

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ENRICHMENT CORNER

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5 TIPS TO HELP PARENTS HANDLE WITH AGGRESSION IN KIDS

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RALPH LAUREN MEETS JANIE AND JACK

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FUNDING COLLEGE EDUCATION WITH WHOLE LIFE INSURANCE

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FALL HARVEST

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BELLS & WHISTLES

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{Editors Note}

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ractice makes perfect I am always reminded and actually haunted by everyday. The main goal is how do we make SilverSpoon better everytime the issue is distributed? Well of course, PRACTICE MAKES PERFECT! The staff, children, and parents involved in this issue were assets. Long days, stinky animals, and beaming sunlight could have posed as threats to the success of the shoots but everyone was more than resilient in this process and I want to take this opportunity to thank you. John Galliano One word to describe this collection... WOW! Galliano’s line offers much more than a splash of color to this fall/winter 2010. The clothing is fun, hip, and causes your child to demand the recognition they deserve. I can’t imagine Galliano getting any better after seeing this collection. Polo Ralph Lauren We are very pleased to feature Polo Ralph Lauren in this issue. The collection continues to remain classic offering different styles of oxford style tops for boys and beautifully detailed tops for girls. The hues in this collection worked well with the season of Fall. Its bright colors and playful style and everlasting luxury is a constant with Ralph Lauren. We look forward to seeing more from Ralph Lauren very soon. Let me know what you think about this issue... Enjoy your read...

Essence Clark

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SILVERSPOON NOVEMBER/DECEMBER 2010

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{ PUBLISHER / EDITOR IN CHIEF / FOUNDER }

Essence Clark / / essence@silverspoonmag.com { FASHION CONTRIBUTORS }

Kerri Ann Stewart - Lead Stylist Kelli Burns - Assistant Stylist Madison Rogula - Hair Stylist { EDITORIAL CONTRIBUTORS }

Roberto Sedycias Kadence Buchanan Rob D. Hawkins Madeline Fitzpatrick Robin W. Will Barnes { PHOTOGRAPHY }

Ashley Brawner Photography - www.ashleybrawner.com + Photographer // Ashley Brawner - ashley@ashleybrawner.com Southern Belle Farms, McDonough GA CREATIVE { MARKETING + ADVERTISING }

The Brand LLC - thebrandllc@gmail.com + Brand Director // Askia Fountain { PUBLIC RELATIONS }

ASA Public Relations - ascott@asa-pr.com + CEO & President // Andrew Scott For any Editorial Request, Comments or Article Submissions: info@silverspoonmag.com { EDITORIAL STATEMENT }

The vision for SilverSpoon is to shine a spotlight on high-end children’s fashion, gear and accessories while encouraging and educating parents to develop their children’s social, motor and cognitive skills. SilverSpoon will be a one-stop shop for both moms and dads to stay up-to-date on the latest children’s fashion trends, and offer answers to questions that come with raising children and preparing them for their future. SilverSpoon Media Group strives to deliver fresh and relevant content for parents through digital access and in print. Parents will remain connected with current fashions and current affairs in a new and exciting way. SilverSpoon magazine is published bimonthly and is distributed free online. To contact SilverSpoon magazine, e-mail us at info@silverspoonmag.com. We appreciate your feed back. SilverSpoon magazine, all rights reserved. Reproduction without permission, by any method whatsoever, is prohibited.

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SILVE SPOON TICKLER Please submit all questions, concerns, and comments to info@silverspoonmag.com. Your message may appear in our next issue.

Child Predators

Thank you so much for the article on child predators. This issue has become very common and as a parent I worry about What About The Single Par- it often. It amazes me that you have to worry about the people ents? around more than a stranger in I am writing to tell you that I respect to your kids. I sat down enjoyed your issue and hope you and discussed the article with keep them coming. I enjoyed my kids and I plan on practicing every single article, even the different scenarios with them to articles that do not pertain to me. make them aware of the pressing I would however like to see some issue. - Adam articles focused on single parents. I think that would be something Wow! Adam you are our first different and appreciated by parmale responder and I am pleased ents such as myself. Keep up the to see that there are interested good work. -Thanks, Linda fathers as well in SilverSpoon. Yes, child predators are prevaThank you so much Linda. I too lent and it is important that once am a single mother so I comour children are able to comprepletely understand you interest hend that we are preparing them in reading some articles which for any compromising situation. tie in with your particular situI think too it is important to go ation. I strive to provide a little with your gut instinct and also something for everyone in Silkeep the lines of communication verSpoon because I want it to be open. Role play is a great idea beneficial to everyone who reads Adam! -SilverSpoon Magazine the issue. I will definitely start working on your request now. Subscriptions Thank you for your interest and I am interested in receiving a support of SilverSpoon Magasubscription for SilverSpoon. zine. -SilverSpoon Magazine How do I get one? -Gayle 10

How much is a subscription to this magazine?-Jo Is the magazine available for purchase or subscription? - Ally Hello Readers, Thank you for your questions in regards to obtaining your own personal copy of the magazine. At this time the magazine is not available for subscription but we do make it a priority to announce each issue’s launch on our social networks to inform our readers. You can also go to our website at www.silverspoonmag.com to receive email updates. We are working hard to get physical copies of the magazine even though we live in a digital age. At this time the magazine is not available in mass numbers, but it is available via MagCloud (www.magcloud.com/silverspoon). Here you can order your own copy of the magazine. Thank you again for your support.

-SilverSpoon Magazine

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citygem Atlanta

The Music Class Rocks

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he Music Class programs are based on research of how young children learn music. The result is that taking class is much more than a fun activity for the moment, but in fact has a long lasting effect. “In a survey we did of families 10 years after they were enrolled at The Music Class in Atlanta, 98% of our graduates reported that their experience in class provided a long term benefit - helping their child to more fully appreciate and enjoy music even ten years later!” said Rob Sayer, founder and director of The Music Class. With over 1700 students regularly enrolled in weekly parent/child classes in metro Atlanta, The Music Class is the largest early childhood music education center in the country. The curriculum and materials are also used by teachers in over 150 cities in North America and a growing number countries abroad. The Music Class CDs have earned honors including The National Parenting Center’s Seal of Approval and The National Parenting Publications NAPPA Gold Award. To find a location near you visit The Music Class’s website: www.themusicclass.com

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Children and the Potential Harmful Effects of Television By Roberto Sedycias

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ince the dawn of television, children have found this an enjoyable and interactive pastime. Visual stimulation is preferred by children in comparison to any other media, and current figures report than children watch an average of four hours of television a day. These figures are much larger than they were almost half a century ago, but changes in lifestyle and technological advances make this inevitable. However, many people question how television is affecting the lives of modern children. Children`s television programs began in the 1950s. By 1951 television showed up to 27 hours per week of television programs aimed at children. The usual time slot was late afternoon and evening with programs aimed at shorter viewing periods. In the mid 50s the Saturday morning television program slot was discovered, and since then has long since been kept for children`s viewing. The 1960s saw a switch to animation based television programs which were cheaper to produce. The lower the cost; the more could be produce and children`s television gained more viewing slots. In the 1970s programs were made longer to increase viewing figures and in the 80s cable television arrived. This enriched and widened the scope for the provision for children and dedicated television channels were aired. As the industry grew, so did the concern for the effects of watching television on children. The children`s television act arrived in 14

the 1990s, requiring high levels of research and monitoring in that area. The main concerns centered around health, academic progress and the effects of violence on television. The first testimonial involving the effects of violence on television on juvenile behaviour was brought about in the US as early as 1952. The effects of violence on television have been studied since 1964 when it was officially ruled that television was a factor in children`s behaviour. The main concerns were that levels of violence would increase through copied behavior, with children becoming desensitised. So, what has been determined through research with regards to children and television violence? Two outcomes were discovered; catharsis and stimulation which are still the leading theories in this area. Catharsis was found to remove negativity, whereas the stimulation effect increased violent emotions with the latter showing to be the most likely outcome. There is a proven small and consistent link between viewing violence and increased aggression. However, the results were highest amongst children witnessing violence at home rather than non television. Other studies showed that there are definite cognitive effects when children watch television as they are stimulated by visual movement. This includes the movement of color, camera angles, and panoramic views. Television aimed at children takes this into account and this is why children seem transfixed. Research

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shows, however, that attention to the television is in fact fragmentary before the age of two, but it steadily increases until attention peaks at the age of 12 years. The understanding of many concepts is lost until aged 10 in the average child as there is too much information to comprehend and so concentration depends upon pure enjoyment. In terms of health, the main problem is obesity through a lack of exercise, and so television has been blamed for this in part. This is because watching television distracts the receptors in the brain which let the child know when they are full. However, there is no research to state that this has any more effect than general family eating habits. Television is like any other factor in life; it can have positive effects in moderation. There are no suggested guidelines for television viewing, and so it is down to personal and family choice. If you have concerns about the effects upon your child, the best advice is to look at family attitudes towards television. This includes the amount of time spent watching television, the type of programs viewed and even comments made. It is possible to limit the type of programs viewed, and to reduce the time spent watching by offering it as a reward system. To improve educational elements, discuss issues raised with honesty and interest and your child will be encouraged towards this type of program.

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Neglected older children or “babies” that cannot get over the fact that they are notappear alonetoinbe world, compete against Montessori children more welleach rounded other in than ordertheir to gain their parents’ attention traditional school counterparts. SILVERSPOON NOVEMBER/DECEMBER 2010

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Treating Jealousy By Kadence Buchanan

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ven if you have suffered from a jealous sibling or have acted like a jealous vindictive spoiled kid against your sister or brother when you were young and immature, you have probably heard that jealousy between siblings can be a very powerful emotion leading children and parents to deal with all sorts of unexpected “thrills.” Neglected older children or “babies” that cannot get over the fact that they are not alone in world, compete against each other in order to gain their parents’ attention. This annoying situation can become an endless source of competition and rivalry between siblings. Thus, the following five tips were collected to assist parents in managing jealousy and bringing harmony back into their homes.

Treat children as unique individuals

Siblings do not need to be treated exactly the same. When it comes to family, democratic guidance is usually advisable, but it should not be considered a “golden rule.” Giving exactly the same amount of love and attention is not always feasible and in many cases it is not even wise. This is supported by the fact that children become suspicious instead of being satisfied with what parents are able to offer. Treating kids as individuals instead of equals can reduce them from counting every single act and making comparisons.

Avoid comparisons at all costs

Never compare the acts of one child with that of the other! Instead of telling them what they should be doing through using an example like that of their “good” sister or brother, it is preferable if you just state your reasoning and provide sound arguments for your position, as speaking to an adult. Creating guilt to your child will never bring the desired results and you will face in the future lifelong resentments and grudges that will follow them forever.

Cultivate the unique skills of your children

In order to build your child’s self-esteem, foster his or her skills in a different way from that of his/ her brother or sister. Children that enjoy the outcomes of their special efforts together or through the exact same way are prone to feel less loved or neglected. Set your children’s successes apart and keep the necessary balance.

Spend time alone with each kid

Before regretting not spending more time with your kids, make this precious time your priority and focus on finding the time and the energy to explore the vast possibilities of spending some quality time together.

Decide and draw the necessary boundaries

Respecting each other’s stuff and premises is of extreme importance. Teaching your kids what it means to show respect to the personal space, like bedrooms, or needs, like time alone to relax, is of extreme importance in wisely parenting your children and helping them build character.

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10 Common Symptoms of Attention Deficit Disorder Children By Rob D. Hawkins

Attention deficit disorder children tend to view the world in a different way than their peers. They concentrate differently, behave differently, and may have odd ways of interacting socially. It is not that attention deficit disorder children don’t want to succeed, or be popular in school, it is more a matter of their brain chemistry producing behavioral actions which simply are not compatible with long standing norms. In other words they simply have trouble fitting in.

problem doesn’t lie with their desire or motion to excel rather a brain chemical imbalance between the neurotransmitter chemicals dopamine and norepinephrine which causes them only to be able to focus for short periods of time unless they find the subject matter compelling. The inability to focus can be both internally or externally driven. Attention deficit disorder children have a disproportionately high number of thoughts racing through their minds. Some days may be worse than others depending on any number of factors including diet, exercise, and the aforementioned brain chemical balance that happens to exist on that given day. Attention deficit disorder children are also particularly sensitive to external factors, and any little distraction might be enough to cause their busy minds to jump the tracks enroute to a different destination.

But while we may associate attention deficit disorder children with less than sensible actions, and even hyperactive behavior, there are others with this condition who sit quietly in the classroom with their thoughts wandering a million miles away. This type of attention deficit disorder child if often overlooked, even though they are struggling mightily in school, and may over time be labeled as lazy, or someone who just isn’t trying hard Have you noticed any of these 10 enough. common symptoms of attention disorder children in your child? These are dangerous labels for any child with ADD because the *Is constantly misplacing

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frequently used items such as pencils, books, and homework *Becomes distracted for no obvious reason *Is consistently late, missing the school bus regularly *Makes careless mistakes *Looks like they are paying close attention but really aren’t *Has trouble sustaining focus for more than 10 or 20 minutes at a time *Can’t seem to get or stay organized *Has a history of not finishing what they started; schoolwork, chores around the house, and projects *Doesn’t listen when spoken to directly *Is unusually forgetful, perhaps leaving last night’s homework assignment in their room There are many other examples.

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Nevertheless, the symptoms of attention deficit disorder children listed above can provide serious challenges, both at home and at school. After all school requires careful attention to detail, extended periods of concentration and focus, homework turned in on time, and the ability to follow instructions to the letter. For attention deficit disorder children it is nearly impossible for them to live up to the above requirements. The result of course is chronic underachievement, with the possibility of being plagued by the ADD secondary symptoms of low self esteem and the anticipation of failure.

The good news is that parents who gain an understanding of ADD, and work with their child’s teachers to find solutions, can truly make a big difference in their child’s academic performance and overall happiness. Additionally, some parents of attention deficit disorder children have found that by implementing a natural homeopathic ADD remedy they have been able to improve both short and long term results. These types of remedies are considered to be very safe, and have been shown to be an effective way to manage some of the most problematic ADD symptoms.

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How to Make a Smart Baby

By Madeline Fitzpatrick

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f intelligence is the ability to learn, then babies are born geniuses! While babies’ brains have the potential to learn just about anything, parents have an important part to play in determining just how much - and how easily - their baby learns. Here, we discuss the key issues to bear in mind when teaching your baby. A unique window of opportunity: five months’ gestation to five years of age. The younger the brain, the more malleable it is - that’s why small children are like sponges. The brain builds itself by forming connections in response to the stimulation it receives. A baby begins responding to sound during month five in the womb, when her sense of hearing becomes fully developed. This means that learning begins before birth. After birth, the brain continues wiring itself in response to the baby’s experiences of the world. Learning is faster and more effortless than it will ever be again. Acquiring our native language from birth guarantees proficiency, regardless of how linguistically gifted we turn out to be as adults - and the same holds true for other subjects. 22

Everyone can become proficient in reading, math or music, so long as they begin learning as babies.

goals. Treat lesson time instead as an opportunity for strengthening the parent-child bond. Teaching your baby should never become a source - Babies love to learn! of stress for either one of you. If you Babies’ brains are hardwired for feel this is happening, reevaluate learning, making babies the most your approach or trim down the avid students in the world. What’s lesson program as necessary. more, babies and small children carry none of the baggage that Help! I don’t have time comes from being sent to school and Teaching babies used to be a timebeing subjected to quizzes, tests and heavy commitment, with parents examinations. For babies, learning having to make their own flash is pure enjoyment. cards and other materials. These days, high-quality book-, DVD- and - Teaching should never be forced software-based programs mean that Regular practice is important, but no lesson preparation is required. not to the point of forcing. Above As for giving lessons, this takes as all, your child should enjoy the little as five minutes per day. learning process. Hold lessons only when he is receptive, and end them If you use DVD or software-based before he loses interest. programs, be aware that babies should only look at a screen for short - Play is essential periods of time. In this article on Babies and children need time to TV + Computers, you can find out explore the world around them, more on making TV and computer pick up objects and examine them, use safe and beneficial for babies. and get to grips with the laws of nature. Your baby should spend Help! I don’t know where to start the majority of her waking hours With so much information engaged in hands-on play. available, it can be tough to know where to begin. Working parents, - Relax and have fun! don’t despair - you can glean the Avoid focusing on having your basics of baby education in just 10 child achieve specific knowledge minutes from our Busy Parent’s

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Guide. From there, getting going is a breeze - and don’t be afraid to start small. It’s the right program if it works for you and your baby! Teaching Your Baby To Read As increasing numbers of children are learning to read words by the age of one, and books by age three, the idea that children can only begin reading from age five or six has come into serious question. Children who’ve learnt to read as babies have a much easier time reading in the first and second grade. What’s more, almost all babies love to read! www.silverspoonmag.com

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Green

In the

Corner with

People had always told Seth Goldman, co-founder of Honest Tea, that he drank a lot of liquids. An active person, Seth Goldman was continually in search of the perfect drink to quench his thirst after a run, a game of basketball or between grad school classes. Yet, Seth found most drinks either too sweet or too tasteless. Barry Nalebuff, one of Seth’s business school professors, found that he and Seth shared a passion for the idea of a less sweet, but flavorful beverage during a class discussion that involved a Coke vs. Pepsi case study. They agreed that there were tons of sugary sweet options and lots of new waters, but there was nothing in between to fill the void. Seth learned that most of the tea purchased for bottling by American companies was the lower quality dust and fannings left after quality tea had been produced. Barry had even come up with a name to describe a bottled tea that was made with real tea leaves - Honest Tea. When Seth heard the name, the bells started ringing - it was the perfect name to fit an all-natural brand that would strive to create healthy and honest relationships with its customers, suppliers and the environment.

kitchen. Five weeks after taking the plunge, he brought thermoses of tea and a bottle with a mock-up label to Fresh Fields (Whole Foods Markets). During that meeting, the order came for 15,000 bottles, and so did the heavy pause as Seth’s mind raced, trying to figure out how they would produce that much tea. They were, at that moment, in the tea business. Honest. That was 12 years ago. Today, Honest Tea can be found in glass bottles, plastic bottles, barely sweetened, or even ‘a tad sweet’ in tens of thousands of stores across the US. The company has applied its passion for social responsibility to initiatives in the environment and to creating partnerships with the growers, cultures, and communities behind the teas. The Honest Kids collection consist of several thirstquenching flavors which contain at least half the amount of sugar in commonly consumed pouch drinks. Each pouch is 40 calories and contains 100% of the daily vitamin C amount. The juice contains no high fructose syrup or artificial colors.

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John Galliano Splash of Color! www.dior.com

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Left: Fatima Cape Blue Dress Middle: Fabiola Indigo Dress Right: Top: Five 2 White Tee-Shirt Bottom: Feisty 2 Indigo Short

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Enrichment Corner My Mommy Hung the Moon By Jamie Lee Curtis & Laura Cornell

Mommy is the best at everything: Not only does she carpool, untangle kites, steal bases, and bake cookies, she also seems to light up the sun with her love. Written straight from the heart and illustrated with tender hilarity, My Mommy Hung the Moon: A Love Story is a keepsake that defines the magical relationship a mother has with her son or daughter. So grab the little one you love, and rejoice as the ordinary moments of everyday life become extraordinary because of the magic of mother love.

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The Lion and the Mouse By Jerry Pinkney

In award-winning artist Jerry Pinkney’s wordless adaptation of one of Aesop’s most beloved fables, an unlikely pair learn that no act of kindness is ever wasted. After a ferocious lion spares a cowering mouse that he’d planned to eat, the mouse later comes to his rescue, freeing him from a poacher’s trap. With vivid depictions of the landscape of the African Serengeti and expressively-drawn characters, Pinkney makes this a truly special retelling, and his stunning pictures speak volumes.

Silverlicious

By Victoria Kann When Pinkalicious loses her sweet tooth, she’s convinced the Tooth Fairy is the only one who can help. Even though Cupid, the Easter Bunny, and elf #351 all try, it’s not until the Tooth Fairy works some magic that Pinkalicious discovers sweetness comes from the inside.

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5 Tips to help Parents Handle

AGGRESSION in Kids

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aving behavior problems in kids is a timeless type of trouble that is natural but can be dealt with by being patient and prepared. Although dealing with an aggressive or disobedient young child can be very tough, it does not need to be so hard that you fail to help them. There are some extremely effective strategies available to you that will make your life easier. If your children are allowing themselves to get out of control they really are not yet capable of understanding that this kind of behavior is inappropriate. The proper understanding of their own emotions are still developing. So these outbursts are more or less a symptom of the maturity process. If any child engages an adult with inappropriate behavior, nine times out of ten they are trying to tell them something or just vying for attention. You will need to do what you can to try to find that underlying issue. This is not always the case but statistically it does point to the majority of kids. Lacking the developmental social skills to truly express themselves; these outbursts are not only natural, but also very normal. Experts dealing with disobedient children can help you and your family learn to anticipate the cause, or at the very least prepare you to know what to look for. Once you learn to dig a little deeper and to handle the situation with an objective but caring manner you will find it easier to ‘outlast’ your child’s misbehavior. Here are some aggression tips to help you with handling behavior problems in kids. Especially those who have anger issues or are a bit aggressive. 1. Giving them a punching bag or pillow to hit is sometimes effective. It cannot hurt that is for sure. The idea of providing them an outlet begins working almost immediately. It is therapeutic, productive, can be lots of fun and good exercise. This is so good for them and in so many ways it can be hard to name them all. 46

By Robin W.

One way it helps is through raising levels of endorphins in the brain. Also raising other needed chemicals in the brain making them much happier. When they get out some of that unchecked energy they feel more relaxed and are in a better mood. 2. Naming the emotions can help by identifying what aggressive children are feeling and why they may be feeling this way. By narrowing down the source it can measure up as some amount of control, this adds comfort and confidence. Helping your child learn how to label his or her feelings will increase their self-control, self-esteem, self-awareness, as well as the aforementioned comfort and confidence. This will take away that empty feeling of making no progress. Once you begin to see them grow in the right direction due to your efforts you will feel much better. 3. Keeping your cool is very important. It can be the reason in the storm of confusion. It is always a good idea to take a step back whenever you are dealing with an out of control or especially difficult child. So being the anchor will keep you and your child in good hands. They can sometimes deliberately push all the right buttons, in order to elicit an inappropriate response. This must never be allowed to happen. Do your best to always stay calm and if you ever feel that you are having trouble in this area, leave the room if possible. If not PLEASE do not wait! Call someone right away even if you only need to vent to them or have them take over for one hour. They are more than likely glad to help and it will do you a world of good. 4. Remember is a tip. Whenever you are handling a youngster that is behaving badly, remember that they are doing so as a means of seeking your attention. In their mind, any attention is better than no attention at all. So do your best to ignore negative behavior. Also keep in mind that this will not do any good

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unless you balance it out by paying attention to them when they are behaving well. Encouraging good behavior with praise and attention while discouraging negative behavior with no attention at all will really go a long way. It Really WORKS! 5. Sometimes an aggressive child can really push your buttons and your emotions will get the best of you. This happens to the best of us. Almost every parent has a breaking point and it is nothing to worry about if you keep yourself healthy and take breaks when possible. So long as you do not blow-up completely, and if you do remember you are only human. Use this as an opportunity to learn more about yourself and about parenting. Just be sure to acknowledge the incident in the presence of your child, openly apologize, learn from your mistake and move on. Also, discuss how you are taking responsibility for your mistake even though it was a reaction to your child’s behavior. Aggressive children need to know and learn that they are not alone in dealing with their frustrations. Show them you care and tell them you will always be there for them. Explain to them how you once had to learn to control your emotions too and www.silverspoonmag.com

that nobody is perfect. Identify with them in any way you can no matter how long it takes. Never give up and before you know it you will have gotten through to them. In order to encourage good behavior it is useful to ignore the bad. But sometimes you just have to let them vent. This can be done without showing them any attention yet at the same time keeping an eye on them. Just make sure they do not hurt anything or anyone, including themselves. Handling behavior problems in kids is one of the more challenging aspects of parenting but it does not have to be overwhelming. There are treasure troves of free information and affordable systems & strategies available to you. All geared toward helping you to change your child’s negative behavior. This is information that is now available on the internet today that was not available in the past. So making good use of it will dramatically help you with your parenting endeavors. If you are a parent who is struggling with your child please do not hesitate. You need a plan that can help you in providing discipline and taking the worry out of your day to day life. NOVEMBER/DECEMBER 2010 SILVERSPOON

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Ralph Lauren meets

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Jack Photography: Ashley Brawner Photography Styling: Kerri Ann Stewart 50 SILVERSPOON NOVEMBER/DECEMBER 2010 Kelli Burns Madison Rogula

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Left: Ruffle Silk Tulle Dress $99 (Janie & Jack); Shoes (Gymboree) Middle: Camel Hair Polo Jacket $350 (Ralph Lauren); Denim (Ralph Lauren) Right: Hand Smocked Silk Dress $99 (Janie & Jack)

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Wool Knit Sweater Vest $59.50; Blake Poplin Shirt $35; Denim (Ralph Lauren)

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Camel Hair Polo Jacket $350; Solid Oxford Shit $35 (Ralph Lauren); Bowtie (Gymboree)

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Toggle Button Sweater (Ralph Lauren); Shoes (Step2wo) www.silverspoonmag.com

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Alyssa Tuxedo Blouse $45; Vest; Darrow Stretch Corduroy Jeans $39.50; Shoes (Ralph Lauren)

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Moto Leather Jacket $450; Solid Oxford $35; Denim (Ralph Lauren)

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Sweater; Blake Poplin Shirt $35 (Ralph Lauren)

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NOVEMBER/DECEMBER 2010Lauren) SILVERSPOON Entire look (Ralph

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Solid Oxford Shirt; Crest Wool Sport Blazer (Ralph Lauren) 60

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Cambrige Sport Corduroy Jacket $165; Blake Poplin Stripe $35 (Ralph Lauren) NOVEMBER/DECEMBER 2010 SILVERSPOON

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Left: Marrim Western Shirt $45; Riding Boots Right: Reindeer Pom Pom Cardigan $90; Leggings (Ralph Lauren)

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Hand Smocked Silk Dress $99 (Janie & Jack)

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Raquella Silk Blouse $125; Dorthea Ruffle Skit $55 (Ralph Lauren) 64

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Hooded Fair Isle Sweater $115 (Ralph Lauren) www.silverspoonmag.com

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Left: Pima Cotton V-Neck Sweater $49.50; Smith Corduroy Pant $45; Right: Camel Hair Polo Jacket $350; Blake CotNOVEMBER/DECEMBER 2010 www.silverspoonmag.com ton Twill Plaid $35 (Ralph Lauren)


Moto Leather Jacket $450 Blake Poplin Stripe $35 (Ralph Lauren)

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Pleated Tulle Dress $99 (Janie & Jack) Shoes (Step2wo)

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Reindeer Shawl Sweater $105; Icon Corduroy Pan $39.50 (Ralph Lauren)

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Academy Wool Pea Coat $195 (Ralph Lauren) www.silverspoonmag.com

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Wool Blend Coat $79 (Janie &Jack); Leggings (Ralph Lauren)

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Pleated Melton Coat $79 (Janie & Jack) www.silverspoonmag.com

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Holiday Dress (Janie and Jack) Leggings (Matilda Jane) 74

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Funding College Education with Whole Life Insurance The Only Real Choice for a Single Parent

by: Will Barnes

Funding a college education at the rate that tuitions continue to rise can be extremely difficult for a single parent. For example, in Illinois the range for in-state 2010-2011 tuition and fees for a state University such as the University of Illinois at Champaign-Urbana is $13,640 while the tuition for private university such as Northwestern University is $40,247. Other educational institutions in Illinois may have tuitions that maybe a few thousand dollars more or less. Each educational institution has to be evaluated on their own merits. Moreover a two-year junior college may be an option for the first two years. Or even forgetting the liberal arts universities altogether and choosing a technical or trade college maybe even the best option depending on your child’s aptitude and interests. Nevertheless, as a single parent you need to prepare to meet at least some of the cost of financing your child education. And, because your child is clearly dependent upon you, the value of life insurance is a must for consideration. There are three major types of life insurance to consider: Whole life, Term, and Universal life. Whole Life offers a death benefit, tax-free guaranteed cash buildup, an opportunity to borrow money without any requirements, and proceeds distributed tax-free. Term provides for a larger face amount for the same premium but only for 10, 20, or 30 years. Some term plans allow for return of premium at the end of the time period which may be a good option to consider. Universal life is essentially a hybrid that encompasses the best features of whole life

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and term, is interest-rate sensitive, has a guaranteed cash value, and allows for flexibility in premium payment. Here is an example of a whole life cash buildup for a 38-year-old woman with a four-year old. For a monthly premium of $97.06, a major life insurance company here in Illinois will provide a death benefit of $100,000 and $12,471 in cash value in 14 years. She can borrow this money without having to meet any qualifications and never pay it back if she chooses not to. The amount borrowed would just be deducted from her death benefit. While this loan will not fully fund the child’s education, it would cover some significant expenses and would be self-completing by paying the beneficiary $100,000 if she passes away before the child reaches college age. The other option which allows you to contribute to your child education is a 529 plan. However, this is considered an investment decision with both the benefits and drawbacks and no guarantees. Furthermore, as this is just an investment plan, it is not selfcompleting in the event of an untimely death. All things considered a whole life insurance plan should be your major vehicle for funding your child education. If you chose a 529 plan to augment it, do your homework and choose very carefully.

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Puffy Vest (Hula Mula); Top ( Matilda Jane); Denim (American Eagle)

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Photography: Ashley Brawner Photography Styling: Kerri Ann Stewart Kelli Burns Madison Rogula

Fall Harvest

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Hooded Coat $59 (Gymboree) Dress Shirt; Fred Cardigan; Denim Pants (Knuckleheads)

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Wood Fairy Collection Tee (Shirin NYC); Denim Pants (American Eagle) www.silverspoonmag.com

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Felicia Knot Dress $52 (Matilda Jane)

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Felicia Knot Dress $52; Striped Tee (Matilda Jane)

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Lotti Peasant Top $34.50 Pistachio Pie Legging $26.00 (Matilda Jane) Shoes (Step2wo) 84

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Cape Jacket; Zippered Leggings (Hula Mula); Stripe Shirt $26.75 (Gymboree)

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Satin Slip Dress (Hula Mula); Leopard Wedge Shoe $34.75 (Gymboree)

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Puffed Vest; Victorian Ruffled Dress (Hula Mula) Shoes (Step2wo)

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Felicia Knot Dress $52; Mighty Acorn Tee (Matilda Jane) 88

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Sally Lap Dress $46 (Matilda Jane) www.silverspoonmag.com

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Might Acorn Tee; Lollipop Skirt $52 (Matilda Jane)

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Boyfriend Cardigan; Acorn Tee (Matilda Jane); Leggings (Hula Mula); Shoes (Ralph Lauren) www.silverspoonmag.com

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Corduroy Vest (Knuckleheads)

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Cape Jacket; Zippered Leggings (Hula Mula) 94

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Mighty Acorns Tee Shirt (Matilda Jane) Leggings (Hula Mula) Shoes (Ralph Lauren) www.silverspoonmag.com

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Mighty Acorn Zip Jacket $44; Tie (Matilda Jane)

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Holiday Edition

Editor’s Picks

Bells&

Whistles

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Education on the Go Chase, Giggle, Tumble, and Stomp are made of the most luxurious plush “minky” fabric and the silkiest charmeuse satin. They are embroidered cheek-tocheek smile and with a plush embossed ribbon nose. Trimmed and backed with satin. A blankie your baby will never want to put down. Varying Sizes $29-$99 www.happyblankie.com Check out their “One to Love, One to Give Mission” at their website...

Register online for your chance to participate in SilverSpoon’s contests!!... www.silverspoonmag.com

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My Wallaby A doll carrier and purse in one, the MyWallaby has a pouch in the front which allows children to carry their belongings while transporting their doll around! The myWallaby Doll Carrier easily converts in a matter of seconds from a purse to a doll carrier. The myWallaby Agile Doll Carrier fits a variety of dolls, ranging in size from 12-18� including American Girl Dolls and stuffed animals. The Agile bag is named after one of the 30 sub-species of wallabies.They come in wonderful color combinations: cotton candy and isle of capri. www.mywallaby.com

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Kimochis

Full of Feelings Kimochis™ are unique, fun, educational plush characters that help facilitate positive communication between children and their parents, caregivers, and peers and help cultivate social and emotional learning. When children are able to express their feelings and are provided with basic, engaging tools that help develop their emotional and social skills, studies have shown that they perform better academically and they cultivate confidence, self-esteem and character. Kimochis™ were recently selected as Back to School 2010 Teachers’ Pick by Scholastic’s Instructor Magazine. Kimochis™ is helping kids become emotionally healthy individuals and is a fun-loving way to help a parent teach their children about the complexity of emotions, allowing children to learn at an early age about empathy, kindness, resilience, and gratitude. Using the characters and their Kimochis™ , kids can get in touch with their emotions through puppetry and play. www.kimochis.com

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Ride In Style... Now your little one can really be like you. These little cars are modeled to resemble the real thing. Purchasing one of these pedal or battery operated toys will bring years of enjoyment while creating lasting memories, whether its a gift for your children, your grandchildren, or a friend. www.americanpedalcar.com

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