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This is a fun project that you may want to break up across a couple of days, so be sure to start a few days before Halloween. Mom, you can join in the fun as well and make a Halloween wreath of your own too!

Material List

• Paper Plate (One per child/adult)
• Scissors 
• Leaves  
• Glue Sticks 
• Orange Construction Papers   
• White Construction Paper
• Black Construction Paper
• Washable Black Marker
• Black Yarn (optional)

Adult Preparation: (To Be Done Prior to Actual Wreath Making)

Cut the center from each paper plate prior to giving one to each child. These will be the base for the homemade wreaths.

Day 1: Grab the kids and head outdoors.

Gather as many fallen leaves of different shapes and colors as you can find. Once you’ve collected enough leaves to cover each paper plate, head back inside and glue them to the paper plates. You can glue the leaves to cover the entire plate, randomly around the plate or even as a border around only the edge, whichever you prefer. Once you’ve glued the leaves to the paper plate, leave the plates to dry for 24 hours or at least overnight.

Day 2: Creativity

Depending on how much time you have to complete this project you can have the children do the next step after the leaves have been glued on, while you’re waiting for them to dry or you can make another day of it.
Let the children draw Halloween images on the construction paper. Here are some ideas for each color of paper:

Orange – Pumpkins (Use the black marker to draw the face on their pumpkins)

White – Ghosts, Mummies, Bones

Black – Cats, Witch Hats (You can use the yarn to put a tail on the cat and hair on the witches head if you’d like to put that under the hat)

Once the children have picked out and drawn which decorations they’ll be using, carefully cut them out and paste them to the wreath.

Tip: Pre-placement (before gluing) will give the child an idea of what the wreath will look like once it is all glued together. When the children are happy with the way the decorations are placed, it’s time to glue them to the leaves.

Again, allow the decorations to dry completely.

Day 3: Decorating Time

Congratulations! You’ve made your very own homemade Halloween wreath. Enjoy your child’s creation by hanging it on the front door or his or her bedroom door for all your friends and family to see and admire.

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In this time of uncertainty, many people are concerned about their children’s college fund. In researching the various alternatives available, here are some suggestions if this applies to you:

One online source advises your best course of action would be to contact the financial officer at the college to discuss what options are available for your son or daughter. If you have suffered a severe financial loss during this economic downturn, they may be able to offer you financial assistance by extending the loan payments up to one year.

Conversely, you may be able to apply for a loan through Sallie Mae. These loans require a co-signature and the interest rate is quite low. Since most banks are not lending at the moment, this may be appropriate for you to check on further. In fact, there are some universities which offer a loan repayable up to ten years. So it doesn’t hurt to call and or visit them personally.

Kiplinger.com offers information on obtaining a so-called 529 college-savings plan. There are current 49 states that offer the plan where you can find an adequate selection in a direct-sold plan. Its lower expenses mean that more of your money will go toward building your college fund.

In addition, Kiplinger offers advice on specific plans for your child’s college education. They are quoted as:

* If low investment costs are your primary concern, take a look at the Utah Educational Savings Plan Trust. The plan serves up a menu of nine Vanguard index-fund portfolios and charges only 0.38% per year for its most expensive option.

* The pre-fab portfolios offered by 529 plans are only as good as their underlying mutual funds. That’s why we like Maryland College Investment Plan, which uses a great mix of funds from T. Rowe Price. Maryland cut its annual fees this year, and the plan’s most expensive option costs just 0.99% annually.

* The Michigan Educational Savings Program, run by TIAA-CREF, is ideal for investors who shy away from putting their college savings into the stock market. The plan has a savings option that guarantees principal and a minimum annual interest rate based on a Treasury note index. That option doesn’t charge an annual fee. The plan also offers portfolios of TIAA-CREF mutual funds that are tilted more toward bond funds than most other 529 plans. Those options cost a very low flat fee of 0.45% annually.

* If you feel more comfortable using an adviser, ask about the Virginia CollegeAmerica plan. You’ll pay more in fees than if you bought a plan directly, but your adviser can craft a solid portfolio with 22 top-notch funds from American Funds.

Finally, you can check out this website for a state-by-state listing of the types of savings and loan programs, including 529s. You may wish to bookmark this site for later reading as it does offer many alternatives if your son or daughter chooses to select an out-of-state college.


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Do you remember playing games as a child that you absolutely loved to play? You may still long to play your favorite game even though you’ve grown up. There’s nothing that says you can’t still enjoy your childhood favorites. If you’re looking for things to do on New Year’s Eve, here are some games for the kid in all of us.

Twister – Twister became popular in the late 1960s when Eva Gabor played the game on national television with Johnny Carson. This is the first game that was created that used the human body as a part of the game. While the game may be played with more than two people, it gets increasingly difficult when there are more than four.

Twister is played by placing your hands and feet on specific colored circles on the plastic playing mat. If you’re planning on playing Twister for your New Year’s Eve party, you can either purchase more than one game so more people can play, or everyone can wait their turn. Why not have a Twister tournament and get everyone involved?

Scavenger Hunt – Scavenger Hunt is another game that children have always loved playing. If you’re hosting the party, you are the one who makes up the list of objects to find. You don’t have to stay at your home to play. Update the game by having enough video cameras or digital cameras available for the number of teams you’ll have.

Get children and teens involved in this updated scavenger hunt game. When planning the list, have the teams find specific items that are common to each age group. Ask the groups to find the items on the list and take a photo or video of each one; that’s how they document what they’ve found on their list. You may also want them to include some items that the teams actually have to bring back to your home in order to win.

Monopoly – Break out some of the older board games that you used to enjoy as a child. Monopoly is one game that has been popular for many years. There are updated versions of the game that are different from the classic game, but the premise is still the same. This game can be played by several age groups at once so children can play with adults as long as the adults don’t mind.

You don’t have to give up playing your favorite games from childhood when you get older. Take the time on New Year’s Eve to reach back to your childhood and play one of these games for the kids in all of us. You’ll have fun and may find that you’re still a bigger kid than you thought you were.




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