A Financial Education Event
 

Memorial Day and National Poppy Day

Gold Star Family

Being part of a gold star family is like being part of an honored and exclusive club—but one that no one wants to join. The gold star indicates that a member of that family died while serving their country. We are a three-star blue star family, which means that we currently have three family members serving with sons in the Marines, Air Force and Army. We’ve weathered deployments to Afghanistan and Iraq—praying our way through each day they were there. We never want to add another gold star to our family.

Yes, our family is a gold star family because of my Grandfather, SSGT Walter Rawleigh, a bombardier on a B-24. He was on his 47thmission in Madang, Papua New Guinea. Fully gassed and loaded with bombs, the “Cisco Kid II” had an engine malfunction on take-off and crashed into an encampment of Seabees having breakfast. Ten members of the crew and 165 Seabees suddenly died that day. Obviously, I never knew my grandfather and my dad was a young child when his father perished. I know that my father, Chief Master Sgt Rodger Rawleigh, USAF (Ret) was inspired to serve because of the fact his dad never came back from war.

 

Memorial Day

Memorial Day is about gold star families and should not be confused with Veteran’s Day. The latter is a day which honors all who have served in the United States military. A memorial is a remembrance of those who paid the ultimate sacrifice. It’s not a day to say, “Happy Memorial Day,” even though many Americans have a day off. Many will use that time to picnic and enjoy their families and friends. In fact, the original tradition of this day was to eat a picnic while sitting on the grounds of a cemetery.

This national holiday was first recognized by Congress in 1971 and before that time it was known as Decoration Day, which originated shortly after the Civil war. Besides my Grandfather’s tragic accident, 645,000 Americans have given their lives in defense of our freedoms. What can we do to appropriately honor those who died? I’m glad you asked.

 

The Poppy

 Honoring our fallen with a poppy is a tradition that was inspired by the poem crafted in 1915
entitled, “In Flanders Fields.” It was written by Lt. Col John McCrae after he lost a friend during WWI.  McCrae’s poem inspired Moina Michael, an American professor and volunteer for the American YWCA, to write a response poem, “We Shall Keep the Faith,” vowing to wear a red poppy as a symbol of remembrance.

Michaels campaigned to have the red poppy adopted as a national symbol of remembrance and, with help from Anna Guerin and the 1920 National American Legion Conference, the poppy became the official symbol of remembrance.

But it’s not limited to our country, the poppy is used as a symbol of remembrance all over the world. In fact, Friday, May 25, 2018, is National Poppy DayTM, which was first recognized on May 26, 2017. Along with the American Legion, we encourage people to wear or display a poppy on this day to remember those who lost their lives in battle.

 

Virtual Poppy Field

I invite everyone to join the conversation online using #honorthroughaction and share your story. What does Memorial Day mean to you? Who are you honoring? You can visit www.poppyinmemory.com to dedicate a digital poppy to a fallen hero or as a gesture of appreciation for those who have sacrificed all. It only takes minutes to participate and I want to thank USAAwho are sponsoring this initiative and for all their help in Heroes at Home.

Honor the fallen today.

Coffee Is On Us at The Coolest New Financial Podcast on the Planet!

Live, from Ellie’s kitchen table… it’s The Money Millhouse!

WELCOME TO THE FINANCIAL SHOW ANYONE CAN LISTEN TO!

The conversation gets lively and somewhat ridiculous when Ellie and Bethany share a cup of coffee (or four) over Ellie’s kitchen table. They not only have fun at The Money Millhouse, their conversations about saving money, couples communication, spend plans, super heroes and more make you feel like you are drinking coffee right along with them. Coffee, friends, money, sometimes random singing… what could be better?

Each week on this little-over-20-minute podcast, a special guest joins Ellie and Bethany at the table to discuss relevant money-related issues. From saving for retirement and credit chats, to home-based business tips and maybe a thing or two about what Star Wars has to do with coffee, there is always something to talk about.

The Money Millhouse will teach you while entertaining you with offbeat humor, geek-speak and money tips you never knew existed. If you can put up with Ellie’s annoying dogs announcing the next guest to come to Ellie’s door for a cup of Joe and a light hearted but important conversation, then you’ll get the maximum return on your time investment.

Come on in to The Money Millhouse, where we brew up money saving tips and tricks for anyone’s lifestyle. You might even learn a few secrets in the Millhouse closet.

This week, the show kicks off with a bang when Bethany

and Ellie talk about saving money when it comes to eating healthy including menu planning and tips at the grocery store. Start your menu planning by looking into your pantry and avoid wastage. Danna Demetre joins the conversation talking about the fact that the same principles to save money are the same when it comes to your health as well. Learn about which poisons (that go into your body) to cut out, which sweetener is the best for your body and why disease can be expensive. Also learn why having Mental Health Days (can you say a Disney day?) are important and natural days to de-stress.

The Money Millhouse is a production of Heroes at Home, a non-profit organization that gives financial education to military families around the world. To find out more about Heroes at Home, or to make an end of the year donation, visit heroesathome.org

Avoiding Last Minute Christmas Panic!

 

So….here’s  some of this year’s Kay Christmas photos, that were a part of our annual photo greeting card. This was mailed the day after Thanksgiving. On Black Friday and Cyber Monday of every year, I get all my shopping done so that we can have a simple holiday–no last minute panic, no stress–just a simple life. But a few Christmases ago, I got talked into having “some work” done in our kitchen that was “a three day job.” I remember stressing to my husband that, with all the college kids coming home for the holidays, I didn’t want my house in a mess. But in accordance with Murphy’s law, most of my kids came home to 6 inches of snow on the ground that completely shut down our desert California town. Plus, I had A MESS OF KITCHEN! Workers couldn’t drive in t
he snow.  With no kitchen, there was no holiday baking, no traditional truffles, nothing but a sense of panic that there was too much to do and not enough time.

Whether you’re still shopping for last minute gifts, prepping your cards, cooking for the big meal or cleaning the house, you can avoid the associated expense and stress that comes with last minute panic by becoming proactive and purposeful in the midst of your panic. Here are some tips to attack the anxiety before it attacks you.

 

  • Simplify – It may have been a tough year economically for your family or you may an uncertain financial future. It’s the ideal time to simplify the holidays by taking a deep breath and thinking about what you do have rather than what you don’t have. I believe that each of us has two kinds of attitudes within us: there is a minimalist as well as a materialist in each of us. It’s time to tap into the minimalist and give the materialist less power in your life. Be sure that you are talking this through with your spouse. Dr. Jennifer Degler has some great ideas to manage these conversations when we interviewed her on The Money Millhouse. The holidays are all about friends and family, they’re really not about spending yourself into oblivion or stressing the small stuff.
  • Strategize – Get the free Christmas Radio app and sit down for a strategy session. At the root of most of our last minute anxiety is a basic lack of control. In order to separate emotional panic from the plan, take charge by implementing a specific strategy for these last few days.
    1. Step One: Take ten minutes to write down what you have left to do (gifts, grocery shopping, cards, baking, cleaning, etc). You could use the Christmas List app for $2.99 or just use the notes on your tablet so that you can share this with appropriate family members that may be impacted. Maybe you don’t really have as much to do as you thought and that, in and of itself, will help eliminate stress.
    2. Step Two: Go back over your list and mark the items as optional or mandatory. Do you really have to paint the bathroom before the guests arrive—optional.  Do you really have to change the sheets in the guest room before your mother-in-law arrives—mandatory.  Do you have to bake those three step chocolate truffles or can you get them at the local bakery–optional.
    3. Step Three: Take the optional items and place them on the bottom of the list. If you get to them—fine, if you don’t fine. This takes off TONS of pressure.
  • Stash the Cash – It’s soooo hard to really stay on budget with only days before Christmas. One tried-and-true way our family has been able to stay on a last minute budget is to get the budget remainder in cash and divide it into specially marked envelopes, for example, “food” and “gifts.” When I’m in the grocery store, I take the food budget envelope and it serves as a visual reminder of what I have left. On one hand, it keeps me from splurging on some treats if I’m running out of cash but on the other hand, it can also allow me to splurge (guilt free) on certain products if I realize that I have money leftover!
  • Split the Efforts – This may come as a news flash but… you don’t have to do everything in order for it to get done right! This is not the time to be Miss Polly Perfectionist. In this step, we need to delegate responsibilities. Assign tasks to different family members and cut your work in half. In fact, you could use this time as an opportunity to teach your teens the value of a dollar. Let them go to the store for you and get the items on your list, asking them to find the best deals. If they are not certain, then they can text you the options (what teen doesn’t love to text?) You can text them back some suggestions and in the process they are learning to evaluate a good deal and a bad deal.
  • Separate – It’s highly likely that you’re going to be charging some last minute expenses on your credit cards. But don’t let those purchases hurt your FICO (Fair Isaac Credit Score) by charging more than 30% on any one card. Check your credit card limits as well as your balances online or by phone and then make certain that you charge on the card that is lowest proportionally. Even if you are able to pay off these credit card bills next month, charges of more than 50% of the available limit on any given card can hurt your FICO. So be strategic by separating those purchases and saving your credit score.
  • SAVE – It used to be that Black Friday was just a day, this year it’s an entire season. It’s truly a buyer’s market amongst retailers and there are last minute deals to be had, especially electronics and clothing. But what if you don’t have time to go and battle the crowds at the store? There’s an easier way to give last minute gifts that simplifies your time, saves you money and keeps you on budget.
    1. Gift certificates (online and physical cards) – If you want to send an online gift certificate to someone, it’s as easy as pointing and clicking. They’ll receive notification in their in-box that you’ve bought them a gift certificate and you can follow up with an e-card alerting them that the notification they will receive from the retailer is not spam. For some great options, go to restaurant.com for discounts on eating out or check out potential deals at amazon.com For a review of codes that can give you a better deal, go to RetailMeNot.
    2. Gifts of Time – Some of the most memorable gifts I’ve ever received are gifts of time. One girlfriend gifted me with a certificate good for lunch at my favorite bistro. My kids have given me handmade “coupons” that are good for doing the dishes, cleaning the living room, babysitting a younger sibling or not back talking me for a week (hey, I’m happy for a day). You could write out your own coupon and give the recipient a card that says, “This card entitles you to dinner and a movie” or “This card can be redeemed for a night out on the town while we babysit your teething twins.” This can be FUN!
  • Share – I’m all about multitasking and getting the most out of my efforts as well as my money. Now is the perfect time to give to charity in a way that also benefits you financially with your taxes. This year, given the current economy and the great material needs in communities why not consider giving the “gift” of a donation in someone’s name? Our favorite non profit organization is Heroes at Home which provides free financial education for military members. Currently, 95% of your donations go directly to programs on base.  Look over your list of people and consider making a donation in their name instead of giving them a material gift. You don’t have to tell them the amount of the gift and you can make one donation in the names of several people—thereby giving an amount that allows you stay within your budget. Furthermore, this kind of gift could be tax-deductible and help you (if you itemize) on your taxes as well. It’s a gift that keeps on giving.

Merry Christmas!
Ellie Kay
www.elliekay.com

Give Courage to our Heroes and Heroes at Home on #Giving Tuesday

Courage is one of the main characteristics of the service members that we serve in our free Heroes at Home Financial Event and in our Money Millhouse podcast.

Those who are currently serving volunteered to serve during a time of war and that requires courage. But their families, the Heroes at Home need courage as well. I’ve sent a fighter pilot spouse into harm’s way and now we have three sons who currently serve. Two are infantry officers in the Marines and Army, and the third is a fighter pilot in the Air Force. It was ok when they were at their respective service academies or in training. But it’s a different story when they are deployable.

While it’s hard to send off a spouse, I have to admit that it’s even harder to send a child. I stop breathing for the months they are deployed. Because I know my infantry sons will be involved in air assault missions and facing firefights. They are all home now, but even writing this brings tears to my eyes as I know they will deploy again. I spend a lot of time in prayer for their courage and their safety.

We’ve taken our tour all the way around the world and when we were in Alaska several years ago, I spoke to the spouses of the Army Stryker Brigade, who were deployed. Their military members had suddenly been extended from a year to 15 months. It became a debacle because 1/2 of the troops came home and were immediately redeployed, while the other half stayed in harm’s way.

I was called, on an emergency basis, to talk to these spouses and as a veteran spouse and mom of family who has deployed into harm’s way in Afghanistan and Iraq, I spoke from experience. The President sent the Secretary of State to speak to these spouses and he spoke in the afternoon while I spoke in the morning.

I didn’t mix words as I told them that when their military member is deployed into the theater, they have one role and that is to tell their spouse , “I love you, I’m proud of you and I will be all right.’” This is NOT the time to vent on them, tell them about troubles, or say negative things. Spouses can vent with a trusted friend, a chaplain or even their puppy dog—but it’s important to NOT vent on the military member when they are deployed. The reason is because they are there to do a job. They took an oath to serve our country and do their duty.

If a military member is distracted because of issues at home, then distractions can lead to accidents and accidents can lead to loss of life. So the best thing a Hero at Home can do is be supportive when their military member is deployed.

As these young spouses left the event, they said, “Now I know what I need to do.” We gave them hope that day as well as a plan of action.

Three days after our team left Alaska, I received a phone call from the Alaska event organizer. One of the young moms who was in the audience was given notification that her husband would not be coming home, not for Christmas or forever. As she was notified, she said, “I’m so glad that I went to the Heroes at Home event because the last time I spoke to my husband on the phone, I was going to vent on him. I was so mad that the Army had extended them during the holidays. My husband is my best friend, I tell him everything. But instead of venting, I can live with the fact that the last words I ever spoke to him were, “I love you, I am proud you and I’m going to be all right.”

Yes, a Hero at Home is courageous and that is what you are if you are a military family member reading this blog. Thank you for your courage.

For the rest of us, how can you help bring courage to a Hero at Home?

One way is to donate to what we are doing, so that we can continue to give these brave men and women in uniform this very important message from America,

We love you, we are so proud of you and together, we will be all right.” 

Ellie Kay

8 Ways to Thank a Veteran Today and Every Day

 

As far a military families go, I’m brat, a grandbrat, a wifebrat and a mombrat. Yes, military service runs deep in the Kay family. My Grampa died as an aircrew member in WWII; my dad retired as a Chief Master SGT in the US Air Force; my hubby flew fighter aircraft in the Air Force for 30 years; one of my sons graduated from the Naval Academy and is an active duty Marine; another son graduated this year from the United States Air Force Academy and is at pilot training; and my youngest son is a junior at WestPoint. So when it comes to thanking our troops for their service, I really appreciate those of you who take the time to say thanks.  Here are some more easy ways to express your appreciation:

1.       Say “Thanks” – The fact that you are reading this blog, indicates that you probably already thank those in uniform when you see them. When people say “Thank you for your service” to my Marine son, he responds with, “Proud to serve.”  Be sure to also thank family members, including parents of service members, for the way they serve by supporting their military members. You can also say thanks by donating to Heroes at Home, which provides financial readiness for military readiness. In our Heroes at Home events I explain that when people say thanks to them, it’s their way of being patriotic.

2.      Say “Welcome Home” – As we all know, the Vietnam War was not a popular conflict, and those who served were greeted with jeers, taunts or just plain apathy. There are also those who returned from the Korean War who were never properly welcomed back. So when you see an older vet, ask them what war they served in and if it’s one of those two, then ask one more question, “Were you ever welcomed home?” If they say, “no” then simply say, “Well you have been now, welcome home soldier, thank you for your service.” I’ve done this many times and all were deeply thankful for the sentiments, and some were so deeply moved, they even had tears in their eyes. In our Heroes at Home Events, I encourage our young service members to welcome home these Veterans and just how much it means for someone currently serving to thank those who have served.

3.      Pick Up Dinner – Every year, restaurants give free meals and discounts for Veterans and those who are serving now and at The Military Wallet, you can get this year’s update. But why not keep it going year round? Once a year, or more, depending on your budget, pay for a military member’s meal. You may see a service member with his or her family or a group of military dudes and dudettes in a small group at a restaurant. Don’t go up to the soldier, sailor or airman to ask if you can pay for their meal. Instead, go to the manager or the waitress and ask for their bill, then pay it as you leave and tell the waitress to give them a simple message: “Thank you for your service.”

4.       Operation Gratitude – During Veterans day week, our USAFA parents club volunteered to help put together care packages for the troops. Lots of volunteers put together over 7,000 care packages in one day! Each time I went through the assembly line with my boxes, it took all my self control not to slip that package of Rocky Mountain Factory fudge into my pocket. You can also donate DVDs, Girl Scout cookies, trial-sized toiletries, candy, scarves, gloves, small stuffed animals, books and more to the effort.

5.      Mow A Yard – Or rake leaves, or plant rosebushes, or paint an outhouse, or… you get the idea, for the military family of a deployed service member in your neighborhood, church or community.  When Bob was gone and I was left home alone with a house full of kids, I really appreciated that help. The best help comes from people you know, where that military family is comfortable knowing you are not a creeper!

6.      Donate Your Old Cell – If you are like most of the Kay family members, you get a new phone about once every 18 months or so (it seems to be an inalienable right in our clan). Instead of trading in when you trade up, give it to Cell Phones for Soldiers.

7.      Calling All Coupon Queens – I started out in the financial area as a Coupon Queen and eventually evolved to “America’s Family Financial Expert” ®. Along the way, I’ve encouraged families to donate their expired coupons to military units overseas. They can use your castoffs for up to six months past the expiration date. For more information, email us at assistant@elliekay.com and put “Expired Coupons” in the subject line.


8.     
Care for Critters – If you are like my hubby, you are a critter person. He sits in his easy chair each evening and instantly—voila!—three mini schnauzers appear in his lap. They were his constant pet therapy when he broke his back a couple years ago, thereby ending his career as a fighter pilot. If you love critters, then you can offer to provide foster care by taking in a dog or cat of a wounded or deployed military member while he or she is receiving medical treatment or on duty.  For more on this, go to Guardian Angels for Soldiers.

Thank you to all our Veterans and their families, and a special thanks to my husband, LTC Bob Kay, the World’s Greatest Fighter Pilot for his 30 years of service, to my Marine, Airman and Soldier. I’m so proud of all of you!

Ellie Kay

www.elliekay.com

Teaching Children Generosity During the Holidays

Parents want their kids to learn how to give back to others, but sometimes it’s a challenge to know how to do that effectively.

When my kids were growing up, from the time they were toddlers, they worked alongside us to gather groceries for the local food pantry, they were with us as a family when we collected used coats from the neighborhood for the homeless shelter and they helped us buy toys for the Marine Corps “Toys for Tots” program, handing them off to a handsome Marine in the store. The result is that they grew up thinking of others during the holidays and today, they give back in proactive ways to communities both home and abroad.

 

The first Tuesday of December is “Giving Tuesday” when there is an effort across the nation to give back to our communities. This year, my family and I participated in Walmart’s Holiday Sing to Salute Military Families campaign by singing classic holiday songs! Who would have thought that teaching your kids to give through song could be so much fun? This is a nationwide campaign that encourages the public to sing a portion of a classic holiday song while capturing it on video, and then post the video on social media channels to show support for members of the military and their families. Through these actions, Walmart will donate up to $1 million to Fisher House Foundation, which for the past 25 years has provided a home-away-from-home for military and veterans’ families whose loved ones are in a nearby military or veterans hospital. In my visits to Fisher House and my work with them, I’ve seen how important this is to military families.

The goal of the donation is to help Fisher House Foundation fund a full year of lodging for military families staying at Fisher Houses on U.S. military bases. Additionally, Walmart launched the campaign with a $500,000 donation to Fisher House Foundation.

From now until Dec. 22, the public can participate by taking the following steps:

  1. Create a holiday greeting or video of one or more individuals singing a portion of a classic holiday song.
  2. Post the greeting or video on a public Instagram, Twitter or YouTube account with the hashtag #Sing2Salute. If you’re posting on YouTube, make sure the hashtag is in your video’s title and post description.
  1. In the post, tag a friend and call on them to participate.

As always, your posted content should comply with the guidelines of the social media platform you choose. For each public post on Instagram, Twitter or YouTube using the hashtag #Sing2Salute during the campaign, Walmart will donate $100, up to $1 million, to Fisher House Foundation. To learn more about Walmart’s Holiday Sing to Salute Military Families campaign, review rules for participation and see featured videos, visit www.walmart.com/sing2salute. To see my family’s salute, take a look here or follow me @elliekay .

Another way my kids and I are giving back is through the Greenlight A Vet campaign to help create visible support for veterans nationwide. We can show support for veterans this season by changing one light bulb in our home to green, raising awareness on social media, volunteering and serving with veteran groups in their community, or starting a mentor/mentee relationship with a veteran.

Additionally, parents and their kids can celebrate the Red Kettle Campaign’s 125th anniversary this year. Participating stores, like Walmart stores and Sam’s Club locations nationwide, will host red kettles and bell ringers throughout December. Have your kids put in their coins and explain to them that this act of giving will provide food, clothing, shelter, financial assistance and other services to those in need.

Ellie Kay

8 Ways to Thank a Veteran Today and Every Day

 

As far a military families go, I’m brat, a grandbrat, a wifebrat and a mombrat. Yes, military service runs deep in the Kay family. My Grampa died as an aircrew member in WWII; my dad retired as a Chief Master SGT in the US Air Force; my hubby flew fighter aircraft in the Air Force for 30 years; one of my sons graduated from the Naval Academy and is an active duty Marine; another son graduated this year from the United States Air Force Academy and is at pilot training; and my youngest son is a junior at WestPoint. So when it comes to thanking our troops for their service, I really appreciate those of you who take the time to say thanks.  Here are some more easy ways to express your appreciation:

1.       Say “Thanks” – The fact that you are reading this blog, indicates that you probably already thank those in uniform when you see them. When people say “Thank you for your service” to my Marine baby boy, he responds with, “Proud to serve.”  Be sure to also thank family members, including parents of service members, for the way they serve by supporting their military members. If you like the football, then get in on the NFL’s way of saying “thanks,” both online and in football stadiums across America in the next few weeks. Participate in the million fan salute. When you vote a “salute” for your team, then your local military earns rewards from this USAA sponsored initiative.

2.      Say “Welcome Home” – As we all know, the Vietnam War was not a popular conflict, and those who served were greeted with jeers, taunts or just plain apathy. There are also those who returned from the Korean War who were never properly welcomed back. So when you see an older vet, ask them what war they served in and if it’s one of those two, then ask one more question, “Were you ever welcomed home?” If they say, “no” then simply say, “Well you have been now, welcome home soldier, thank you for your service.” I’ve done this many times and all were deeply thankful for the sentiments, and some were so deeply moved, they even had tears in their eyes. Making a grown man cry never felt so good.

3.      Pick Up Dinner – Every year, restaurants give free meals and discounts for Veterans and those who are serving now and at The Military Wallet, you can get this year’s update. But why not keep it going year round? Once a year, or more, depending on your budget, pay for a military member’s meal. You may see a service member with his or her family or a group of military dudes and dudettes in a small group at a restaurant. Don’t go up to the soldier, sailor or airman to ask if you can pay for their meal. Instead, go to the manager or the waitress and ask for their bill, then pay it as you leave and tell the waitress to give them a simple message: “Thank you for your service.”

4.       Operation Gratitude – During Veterans day week, our USAFA parents club volunteered to help put together care packages for the troops. Lots of volunteers put together over 7,000 care packages in one day! Each time I went through the assembly line with my boxes, it took all my self control not to slip that package of Rocky Mountain Factory fudge into my pocket. You can also donate DVDs, Girl Scout cookies, trial-sized toiletries, candy, scarves, gloves, small stuffed animals, books and more to the effort.

5.      Mow A Yard – Or rake leaves, or plant rosebushes, or paint an outhouse, or… you get the idea, for the military family of a deployed service member in your neighborhood, church or community.  When Bob was gone and I was left home alone with a house full of kids, I really appreciated that help. The best help comes from people you know, where that military family is comfortable knowing you are not a creeper!

6.      Donate Your Old Cell – If you are like most of the Kay family members, you get a new phone about once every 18 months or so (it seems to be an inalienable right in our clan). Instead of trading in when you trade up, give it to Cell Phones for Soldiers. Go to http://www.cellphonesforsoldiers.com/.

7.      Calling All Coupon Queens – I started out in the financial area as a Coupon Queen and eventually evolved to “America’s Family Financial Expert” ®. Along the way, I’ve encouraged families to donate their expired coupons to military units overseas. They can use your castoffs for up to six months past the expiration date. For more information, email us at assistant@elliekay.com and put “Expired Coupons” in the subject line.

8.      Care for Critters – If you are like my hubby, you are a critter person. He sits in his easy chair each evening and instantly—voila!—three mini schnauzers appear in his lap. They were his constant pet therapy when he broke his back a couple years ago, thereby ending his career as a fighter pilot. If you love critters, then you can offer to provide foster care by taking in a dog or cat of a wounded or deployed military member while he or she is receiving medical treatment or on duty.  For more on this, go to http://www.guardianangelsforsoldierspet.org/.

Thank you to all our Veterans and their families, and a special thanks to my husband, LTC Bob Kay, the World’s Greatest Fighter Pilot for his 30 years of service, to my Marine, Airman and Soldier. I’m so proud of all of you!

Ellie Kay

www.elliekay.com

Military Heroes, Money and Me

If time and money were no issue, what could you see yourself doing for the rest of your life? That’s the question we ask in order to discover our passions.

Think about this for a minute and remember this would be something you have to do FOR THE REST OF YOUR LIFE! What would you do and why? Could you really travel for the rest of your life?  Could you eat chocolate for the duration? Could you go to spas forever? Most of the “splurges” we would indulge in if time and money were no object are not sustainable for the REST OF OUR LIVES.

Here’s my answer:

I’d speak to our military members and their families. I’d give two kinds of presentations:

1) Heroes at Home — The top characteristics of military families that help them not only survive the lifestyle, but thrive in the midst of it. These families would experience humor, hope and healing and walk away feeling that what they do as Heroes at Home has a life and death impact on our world. They would feel they are leaving a meaningful legacy.

2) Money Matters — The number one problem in marriages is money. I would show families how to get out of debt, improve FICOS, teach their kids financial literacy and pay cash for cars. I would give them real world examples from our very real family of kids that graduate from college debt free with 700+ FICOS. This is the message I’d give to families if time and money were no object.

Wait a minute!  This is exactly what I’m doing because my “profession” is finances in which I’m a media veteran, financial expert and spokesperson. But my “passion” is helping military families and it’s what I have the privilege of doing in between my corporate work, speaking and media appearances. In fact, the two often marry such as the recent appearance I had on Fox and Friends talking about sequestration and the loss of tuition assistance for military members. Click through to see the segment. 

Thanks to sponsors like USAA I can give away hundreds of free books to these military audiences so that they can walk away with some tangible military and financial help at their fingertips. I waived my usual honorariums at these events. With additional generous donors like ProFlowers, I’m able to travel to military bases and give away lots of free stuff to our Heroes at Home like several $200 gift certificates for San Diego’s own Shari’s Berries, Red Envelope, Personal Creations and ProFlowers . What do these corporate sponsors get out of the deal? They get the satisfaction of knowing they are making a difference in the lives of people like Shari.

I did a Heroes at Home presentation last month at the Marine Corps Recruit Depot (MCRD)and there was a woman named Shari* (*name changed) who came up to me after the event. She confessed that she was at the end of her sanity because she was stuck at home with two toddlers while her husband was facing his 3rd deployment in 5 years. She was all of 23 years old.

Shari smiled weakly, “I came out tonight because of the free childcare and to get a break from the kids.”

She wiped away her tears, “I didn’t expect to laugh so much. Isn’t that silly, I don’t know why I’m crying now…But to hear that others feel the same way I do and I have people here who can be a support has changed my outlook. I can’t believe you did it with all those kids of yours.”

“I feel that I know why I’m a military spouse and that it really is worth it after all.” She smiled bravely, “I know what I need to do and you helped me see that.”

“Besides,” she wiped her nose “I won the gift basket door prize.” She laughed and blew her nose into a kleenex.

I got an email from Shari a few weeks later and she’s plugged into a family support group program at MCRD to get the support she needs. She said that night we met was a turning point for her because it gave her hope.

Hope. That’s a powerful word.

I guess you can see why military families are my passion.

Ellie Kay

America’s Family Financial Expert (R) 

If you live in the San Diego area, then save the date:

Camp Pendleton – April 19th — Del Mar Beach Resort – 6:00 — Call 760-725-9052 to make reservations for free childcare

We will be giving away free books, and $200 gift certificates from San Diego’s own, Shari’s Berries, plus $200 gift certificates for Red Envelope and Personal Creations plus a $350 gift certificate to ProFlowers.

Pass along this info to your military friends in the area, there are limited spots available for childcare, so they should act now

Putting the Fun in Fundraising for Summer Mission Trips & Internships


Summer is the time for baseball, hot dogs, apple pie….and fundraising for summer mission trips and internships. Here’s a pic of our daughter, Bethany, preparing for her summer internship at Trans World Radio. My hubby and I are the parents of seven, and we’ve raised money for all kinds of non-profit programs to include the National Youth Leadership Forum, Rotary Youth Commission, the Young Continentals, mission trips to Mexico, China & Thailand and an internship with Trans World Radio. Hopefully, the following ideas will help you raise the funds you need so that you or your kids can help make the world a better place.

The Benefits of Fundraising

I recently had a friend whose daughter wanted to do some work so that she could raise money to go to a mission trip to Mexico. After the mission trip was over, she told her mom that the fact that she had to work hard to get there (and work even harder once she got there) changed her life forever. Working to fundraise is part of the gift to the people you will be serving. It also seems to mean more, when you have to work for it (rather than mom and dad writing a check). Finally, another value of fundraising is that it’s good resume fodder for college applications and future internship work—it shows that you know how to be a servant leader when you care enough to contribute. For the donor, there is usually a tax deduction benefit if the organization is a non-profit and they provide proof of the donation (a letter or receipt).

The Bill – Can I Afford to Go?

I like to say that “if it’s God’s will, then it’s God’s bill.” But there’s a difference between faith and presumption. That’s why it’s important to crunch the numbers and take a hard look at any internship or mission trip. I.e., if it costs $5,000 to go to Austria for the summer and you start fundraising in May with no money saved and few prospects, then you probably need to try again next year. Figure out how much you will need, divide that by the amount of time you have left to raise funds, then look hard at how much you’ll have to raise each month (and week) and make an thoughtful and informed decision. For example, an August trip to inner city Los Angeles, cost is $300, you start in early June, that’s $300 ÷ 10 weeks or $30 per week you need to earn.

The Beginning – Where Do I Start?

You’re going to start with a lot of prayer and a really good fundraising letter. But before you write the letter, look at how much you already have toward the trip (in your savings) and decide on other fundraising activities. Are you going to sell chocolate from door to door in 90 degree temps and 90% humidity (like I did as a twelve year old to pay for camp)? Will you babysit, have a garage sale, wash cars, clean houses, host bake sales, get a part time job, etc? Include the following in your letter:
• Tell potential donors what the trip or internship is all about & who it will help
• Share your passion for what you’re going to do for others & why you want to do it
• List the fundraising activities that you plan to do in addition to sending the letter
• Keep the letter to one page, 12 point font, with 1.5 line spacing (easy on the eyes) and send them via snail mail—otherwise, they’ll get lot in an inbox
• Ask for funds toward the beginning of the letter—be up front about what you need
• Send them to friends, family, your Christmas card list, doctors, teachers, lawyers, co-workers, neighbors—anyone who knows you personally & may want to partner with you
• Indicate if the donation will be tax deductible
• Add a photo of the group you are helping (or of yourself) to personalize the contact
• Tell them where to send the funds (or include an Addressed Stamped Envelope)
• Send these out ASAP and keep a master list with phone numbers & email addresses

The Big Follow Up

Two weeks after you send out the letter, make contact with everyone on your list to find out if they received it. You can make follow up contacts via phone (BEST OPTION), email or facebook. Have a plan when you make the contact and develop your own script so that you won’t be nervous. Here are the things to say in the follow up:
• Mention their name early in the call
• Use positive language
• Give a one to two sentence description of your mission trip or internship
• Ask if now is a good time to talk
• Ask them if they have any questions
• Ask them if they can help out financially (don’t beat around the bush)
• Thank them for their time, even if they do not commit to a donation

Another part of follow up is to send thank you notes to every person who sends in their support. Send these within a week after receiving them. Don’t just send a thank you via email, but physically mail them a thank you card. Once the trip is over, contact your donors with a one page letter (including photos) of what you did and how it changed your life and the lives of others. Your donors will see how their money made a difference and what their partnership means. It also paves the way for them to contribute to other projects in the future.

Happy Fundraising!
You’re Making the World Better
Ellie Kay
America’s Family Financial Expert (R)

Don’t Get Scammed When Giving to Japan

The tragedy in Japan is one that makes us want to open our wallets and help in a practical way. But with every tragedy there arises a new crop of scamsters, out to make a profit off of someone else’s sorrow. How do you give smart and make sure your dollars go to the people who need it most? Follow these tips:

Email Scams

McAfee recently reported a significant increase in the amount of spam being generated by “Japanese Earthquake Relief” scams. So NEVER respond to an email, even if you suspect it is legit. Do not link to the link provided in such an email. Instead, go directly to your browser and type in the link to investigate–even if it’s a charity you recognize. Some criminals are linking to sites like the Red Cross but the link will actually take you to a false site where they skim your money and your credit card number.

Don’t Fund Overhead or Fund Raising

You don’t want your dollars going to pay fat salaries, fancy overhead, or excessive fundraising expenses. The Better Business Bureau’s (BBB) Wise Giving Alliance offers guidance to donors on making informed giving decisions through their charity evaluations, various “tips” publications, and the quarterly “Better Business Bureau Wise Giving Guide.” You can access this information by calling (703) 276-0100, going to www.give.org

You can ask them to mail you the various tip guides or read them online. These guides include information on:

Charitable Giving

Police and Firefighter Organizations

Handling Unwanted Direct Mail From Charitable Organizations

Child Sponsorship Organizations

Direct Mail Sweepstakes and Charities

Contributing Used Cars to Charities

Tax Deductions for Charitable Contributions

Record Keeping

If you itemize, you’ll need all receipts for donations of $250 or more. If you give away more than $250 worth of clothing throughout the year, you should have saved all receipts for tax purposes. The money donated directly to a needy person is not deductible. It would be better to donate the amount, anonymously, to your church and have them send the donation to the family in need. Check with your tax specialist every year for your state and federal tax laws.

Starting Your Own Foundation

If you are fortunate enough to have a large gain from a stock or mutual fund that you have held for over a year, consider using it to become what is essentially your own “foundation.” For example, if you own $5,000 worth of stock that you bought years ago for only $1,000, then you can donate the stock by setting up a Fidelity Charitable Gift Fund account (call 1-800-682-4438 or go to www.charitablegift.org ) By doing this, you get an immediate $5,000 tax deduction and save having to pay taxes on the $4,000 gain. In the years to come, as that $5,000 grows, you instruct the company that manages your “foundation” where to donate the proceeds. Besides Fidelity, there are also charitable gift funds available thorough Vanguard at 1-888-383-4483 or www.vanguardcharitable.org or Schwab at 1-800-746-6216 or www.schwabcharitable.org .

Kid Philanthropists

You may want to allow your children to manage a donation in a predetermined amount $25, $50, or whatever you have budgeted.) They get to research a variety of non-profit organizations and decide which one will receive their donation. Then donate the amount in your child’s name. You get the tax benefit, your child gets the thank you note—you both feel good about giving.

Ellie Kay
America’s Family Financial Expert (R)