Charitable donations. Who gets my money

First of all, regardless of who makes the charitable donation, apply the tax receipts against the person in your household with the largest income. For example, if the receipts are in your name but your spouse has the larger income, your spouse would claim the charitable donation deduction to reduce their taxable income.

Here ends my income tax advice.

I have 3 charities that I support. The first is the school that my boys attend. Last year when my oldest was in Grade 1 he would come home and talk endlessly about the PASS Room where he would go each recess to sign out a shovel or some other play equipment. He LOVED the PASS Room. I made some enquiries and learned that the PASS Room was actually a safe haven where children with behavioural issues could go during the day to calm down if they were having difficulty coping in the classroom. These children do not have a diagnosis, they are just kids who are not valued by their parents and their behaviour and social development reflects this. The PASS Room was created by the school to address behaviour problems and is supervised by 2 Special Ed qualified teachers. It has desks and cubicles so students who have been removed from their classroom can sit quietly without distraction and complete their work. They also stock healthy snacks for children who are sent to school with little or no food. I donate to the PASS Room at the beginning of each school year and ask that my funds be used to buy books, play equipment, food or anything the children may need.

My church receives a monthly donation. The congregation is small but mighty in it's community outreach. It runs 3 breakfast clubs in 3 large primary schools where 100s of children who would not have breakfast otherwise benefit from a healthy meal served by church volunteers. The Visitation Committee visits shut-ins or people who are too ill to attend church and twice a year they organize a special luncheon at the church and haul everyone in for socializing, a service and a hot meal. Other committees provide support to people in hospital or families in difficult circumstances. When my sister died another committee whipped up sandwiches and had the hall decked out for everyone who attended her service - we didn't have to do a thing. The church committees seem endless and when I think about community impact return for my buck, the men and women who steer these committees stretch my dollars like only church people can.

The third organization I support is Special Olympics - Aurora, Ontario. I wanted to find an organization close to home that worked with people with Down Syndrome who will forever hold a special place in my heart due to my incredible years with my sister. Last year I attended their annual general meeting and I was overwhelmingly impressed by the volunteers, their activities and their community involvement. I know my funds go directly to the athletes and that's very rewarding and reassuring to me.

Chances are good you and everyone you know donates to charity. Some people with a lot of money may donate to the most popular organizations because their donation is more about easing their conscience and getting the tax write off than following the impact of their dollars. But for those of us with only a little extra to spread around, taking a few minutes to shop for a charity that will get the most out of our money is an exercise worth doing. After all, helping as many people as possible should be the priority rather than sending in our hard earned bucks to go toward inflated salaries for executives and catered Christmas parties for staff.

Charitable donations. Make your money count

The vast majority of us donate a portion of our hard-earned money to charity. But unlike sending your taxes off to the government and hearing later that it was used illegally for a partisan advertising campaign, you can pick and choose your charity and thereby have some control over how your donation is spent.

My husband used to support a well-know children's hospital. That was until he heard that the CEO of the hospital was paid a bonus of $500,000 last year on top of his regular salary of $400,000+. When I was in graduate school, we were told the operating budget of the Canadian Cancer Society was larger than the federal cancer research budget. Somehow I think the Canadian Cancer Society will persevere without my $50.

A few years ago a friend of mine told me that her newly retired father thought he might do some volunteer work for The United Way. One of his friends was already involved in the organization and invited him to a lunch meeting. My friend's father went and when the meeting was called to order, all the executives started taking their lunches out of their briefcases. He had not taken his lunch, thinking that sandwiches would be provided but nope, only some coffee and no styrofoam cups either because everyone had their own mugs. Now that's an organization after my own heart. No spending my hard-earned harness dollars on catered lunches.

I don't have much cash to spread around but I feel very strongly that my business is God's work and therefore some of my earnings will always support my charities of choice. Stay tuned to hear more about them.

A close(r) look at my Child Harness design

A few days ago I had a Mom order a couple of my Child Harnesses for her twins. She told me she already had  harnesses for them but they were the kind where the strap went around their waist so every time they pulled and got to the end of the lead, they tipped over face first. She said she was excited when she found my design because the lead attaches higher up. 

Her comments got me thinking that maybe I should post an explanation about how and why I came up with my Child Harness design. All this info is on my site but it seems like it's worth repeating.

Some features of my Child Harness are no brainers. The really long lead for example. I'm tall. My baby was short. There was distance between us. The store bought harness I had almost yanked him off his feet the first time I tried it. When I developed my own design, a long lead was just common sense.

Coming up with the O-ring between the shoulder blades for the lead attachment was very much a eureka moment. I wanted the lead to attach ABOVE the child's centre of gravity, and the O-ring with the 2 support loops was the perfect solution. Like that other Mom, my store bought harness also had the (short) lead attach around the waist and when my little guy pulled on the lead, his big fat head tipped him over face first. That only happened once because I immediately reconstructed the harness so I could clip the lead to the leather higher up. No big deal. I had made a couple of changes to a store bought harness and I sort of had a product that worked.

Then it broke. In 2 places actually, but the hand strap was where it broke first. (The adjustment point on one shoulder strap was the other.) I was so annoyed. I don't know how long I'd been using it but since my son was only 2 1/2, I needed it for a whole lot longer and the last thing I wanted to do was buy another harness of the same design.

So in one afternoon I had my own design laid out, supplies purchased and a harness sewn up on my Mom's 1940's Singer machine.

The rest, as they say, is Children's Harnesses by Elaine, Inc.

Our words are numbered. I make mine count

Each and every one of us will speak a finite number of words in our lifetimes.

We will write a finite number of words.

We all die. And when we die we no longer speak, we no longer write. It's over. Those words could be totaled. It's a finite number.

What if all the words we ever spoke or wrote were sorted and piled up around us when our spirits left our bodies? How big a pile would the Dishonest Words be? How big a pile would the Swear Words be? What about Hurtful Words? What about the piles for Words of Kindness, Encouragement, Sympathy and Understanding?

If I take an inventory at this point in my life, I can tell you I haven't added to the Swear Words pile in a long time. I have my husband to thank for getting me out of that habit. Lately I've been adding heaps to the Kindness and Understanding piles. I'm not a 20-something any more and when I think back to the words I've caste around in my life, I'm ashamed to admit that the Love and Encouragement piles aren't as big as they should be. But I'm working on those and every day they grow to overshadow their more Hurtful Cousins.

In this day and age of anonymous internet, Dishonest Words can be flung around with glee and abandon behind fabricated identities, the owner never imagining that those Dishonest Words carry their DNA and maybe, just maybe, are being added to a pile with their name on it. I read an excellent article a while ago and the author referred to these people as Trolls, intent only on causing harm to others.

I consider myself incredibly fortunate. I haven't met any Trolls on the internet. I have wonderful and amazing customers who care deeply about their children. I love my business and I love helping others. Sure I've had someone here or there take advantage of me, but all of us can say that.

What matters is how we treat others. What we say, what we type, how we say it. Our words are numbered. I'm not going to throw any more of mine on the Hurtful pile.

When to stop using my Child Harness with your child

Over the past 4 years I've had about 2 customers ask me when I stopped using my harnesses with my own boys.

The short answer is; when they were about 5 years old.

My boys had always worn harnesses and they only felt safe when they were wearing them so as they grew they would ask to wear them even though it wasn't necessary. My boys decided when to stop wearing their harnesses and because I trusted their behaviour, I left the decision up to them.

But in reality, there is a transition period that happens between using the harness every day with your child and leaving the harness at home for good.

•  initially, when you first use my Child Harness with your toddler they discover that they can run only as far as the end of the lead. Before they were able to run as far at they wanted (which is why you ordered the harness!!), now there is a limit to their range. But they soon figure out that the harness gives them an immense amount of freedom and control over one aspect of their lives: they decide when they walk or ride and they are no longer strapped into their stroller against their wishes.
•  next, your child will quickly associate the harness with outings. Putting it on is just like putting on their shoes or their jacket. It's part of the routine and they don't question it. The exciting thing is the outing and that's all they care about. For me, this phase lasted until the boys were about 4, 4 1/2.
•  as your child grows and matures, you'll have more confidence in their ability to stay close to you during your outings, especially if those outings are to familiar haunts like the grocery store or the mall during a quiet time of the week. You're not dealing with an unpredictable 2 year old any more but you're also not dealing with someone who listens to you ALL the time. The harness is a good precaution in case there is a disagreement between you and your child and your obstinate 3 1/2 year old decides to take off on you. 
•  as they mature even more, disagreements between you and your child become discussions of reason and compromise. You know their flight risk is close to zero so if they ask not to wear the harness, you agree. But you take it with you "just in case". My Child Harness is not bulky like an animal backpack harness, it bundles into it's own stuff sack so it's easy to tote along.
•  transitioning into the phase of not using the harness at all is a signal to your child that they are mature and trustworthy and you take great pride in their behaviour to act responsibly when you are out together. You'll likely find yourself carrying the harness with you needlessly for months, then decide to leave it at home that one time when disaster strikes. That happened to me and from then on I always carried their harnesses with me, no matter where we were going and no matter how long.

You are the best judge of your child's behaviour. You will know when the harness is no longer necessary. If that happens to coincide with your child's opinion as well, so much the better. But in the meantime, it's a good idea to toss the harness in your bag with your keys when you leave the house. It may seem like this phase lasts forever but before you know it, they'll be asking for those keys.

Financial planning starts with paying yourself regularly

I was working at my desk the other day with the radio on and my jaw almost hit my sewing machine. The interviewer was talking with a financial expert about RRSPs and Tax Free Savings Accounts. The shocker for me was that the TFSAs were introduced in 2009 but it seems like it was yesterday. With the maximum contribution per year at $5,000, your TFSA could be sitting at $15,000 right now. And that's without any financial gains in the interim. The expert quoted one of her clients who had chosen rather well with some stocks and had a current balance of $45,000 in his TFSA. No capital gains on that baby either.

That 3 minute radio interview got me looking pretty closely at my own financial planning and more specifically at my TFSA. Suffice to say it's a far cry from $15,000 but a more honest admission would be that I have put very little effort into taking advantage of the TFSAs. It's been months and months since I've made a contribution.

The thing about the TFSAs is you can hold anything in there. Cash, stocks, bonds, mutual funds, treasury bills, guaranteed investment certificates, you name it. And those investments will grow tax free. Your annual contribution is capped at $5,000 per year so you could open 5 TFSAs at 5 different banks and put $1,000 in each if you wanted but since this would limit your buying power, it doesn't seem like a smart idea.

The thing about saving money is that a lot is better than a little and a little is better than nothing. This last part I'd forgotten. I always have a little but somehow it wouldn't feel worthwhile to actually put that little away someplace separate. That's going to change starting this month.

So as a stranger in your computer and someone you can delete or shut down or Unlike, let me risk asking you some politically incorrect questions about your own financial savings:

• if you're in Canada, have you opened a Tax Free Savings Account for yourself? If not, I urge you to talk to your bank this week and tell them to get the forms ready for you. Tell them you want a trading account. Better to be set up at the beginning in case you want to purchase mutual funds or ishares down the road.
• do you invoice yourself each month? I don't but I'm going to start. It might only be $50 but as I say, a little is better than nothing and nothing is what I'm doing now. Billing yourself a certain amount each month is extremely effective. Yes it's another bill and yes you're going to pay it. It's not optional. Treat it like your phone bill or your internet. It has to be paid to keep you and everyone else in the house happy. 
• are your savings off limits? If you do have some egg money, do you view it truly as savings for your future or do you view it as funds you can access when there's an extra expense? Savings for yourself should be completely and entirely off limits to you and everyone else. No dipping. No withdrawing. When you're 70, you'll be grateful for your vigilence.

The best time to plant a tree is 20 years ago. The second best time to plant a tree is today. Maintaining financial independence as we age is surely what all of us desire and the smart ones among us likely started years ago. But the rest of us will start today.

Dorel car seat recall. Check the model number of your child's car seat.

Today on CBC radio they announced that Dorel Juvenile Group is voluntarily recalling approximately 800,000 child car seats. The harness strap at the base of the seat may not keep it's tension when your child is buckled in.

The seats in question were manufactured between May 1, 2008 and April 30, 2009.

If the name Dorel doesn't sound familiar, it didn't to me either. That's because they sell their seats under different brand names such as Cosco, Eddie Bauer, Safety 1st, Maxi-Cosi and Schwinn.

Here is the link to the CBC article: Dorel recalls 800,000 child car seats

and here is the link to the Dorel Juvenile Group's website: Dorel Juvenile Group Safety Notices

* You DO NOT return your car seat to the retailer.*

If you completed and mailed in the registration card when you purchased your car seat and your model is affected by the recall, you will be notified by mail. But if you didn't register your purchase, slip out to your car right now and write down the model number of your car seat. Then go to the Dorel website to see if your model has been effected. They have developed a fix so it's a matter of making sure that kit is sent to you as soon as possible. They have a link on their site so you can order your repair kit.