$5 a Day—College success path

Why children should be involved in saving for their college starting today?

iStock_000012629618XSmall25% of children that start high school do not graduate.

30% of high school graduates do not go right on to college.

43% of students who start college will not graduate in 6 years.[i]

The reasons why American children are unsuccessful in our education system is multi-faceted and I would not begin to claim I have or can research all the answers to this question.  But I can state without a doubt that setting goals and doing something every day to keep that goal real and tangible makes a difference.  If college is a daily conversation, a daily event then our high school graduation rates will increase, the percent of kids who go on to college will increase and more young adults will graduate successfully.

Having the financial ability for college is the first hurdle students and parents face.  The second is based on character.  A young adult has to have the drive and tenacity to work for four or more years while sacrificing both financially and socially.  This focus does not happen the day they graduate from high school—it is developed over time.

The Science Behind the Theory

Creating a habit of success:
Five dollars a day saved towards college, and investment in the future can make a child’s future more tangible since everyday is a day participating in the goal.  With each day, the habit of saving and earning their own way to their dreams is recorded in their brain. This learned behavior will not only make college a more likely success but will also be applied to many things in life both now and in the future.

New neural patterns begin to form in the brain through repetition.  It takes approximately 4-6 weeks to form a new habit. So doing something everyday towards a goal, not only helps the child succeed but it programs in the very factors that make success a habit. Once successfully programmed these behaviors run on auto-pilot.  It is scientifically proven that long-term memory is never erased in a healthy mind.  So this gift of saving five dollars a day provides your child a lifelong gift that will become more than just funds for a college education but a behavioral foundation for success in life.

Reward System and Positive Feedback:
Our memories are programmed in a rich, multi sensory recordings.  Each experience has tags of sight, sound, smell, touch and emotional imprint.  The positive emotion, the sight of your smiling face helping with five dollars day, the positive words shared together on this project will not only build a nest egg for college but also enhance the foundation of a positive self-image.  When you show you believe, your child’s belief grows as well.

The Financial Reward of $5.00 per day:
So how does five dollars a day pay for college?  Here is the math:

Child’s age at beginning:  5 years old

Child’s age for first year of college: 18 years old

Interest rate: I assumed an economy that was progressively improving and investment vehicles that delivered higher return as the years progressed through a 13 year term. Interest is paid at the end of each month.

  • For the first three years of saving I used 3%
  • For the following three years I used 5%
  • For the last seven years I used 8%

Frequency of deposits into college account: Every 30 days

Following this plan your child would have $67,349.33 saved for college at the end of the term[ii]The average tuition for public college in 2012 was approximately $8,655.00[iii].

Final Thoughts
For the same cost of that gourmet coffee you drink every day, you and your child can build a path to college and more importantly, build a habit of saving and investing in the future.  Why not make this a family project?  Start build her/his path to a college education today.


Write A Story–Win an iPad Mini

iPadWe are looking for our first Via Me Authors and to help get the word out we are having a contest where one lucky girl will win an iPad Mini!

Be one of the first 50 girls submitting a story and receive a FREE gift valuing up to $50.00!

How it works:
Write us a story including an illustration for the cover of your storybook, and a minimum of one additional illustration for the inside of your book. Then email or mail your story and illustrations to us for review and entry into the Apple mini iPad contest.

All stories will be edited for spelling and basic grammar before they are posted to the Via Me Author’s Desk website. An email from the editor will be sent with writing suggestions to help you improve your writing skills and to notify you that your story is published on the Via Me Author’s Desk site.  Additionally, you will be notified of any winnings to which you are qualified and or recieving.

Every girl wins!
Every girl wins when she gains the title of “Author” on the Via Me Author’s Desk.
Every girl receives discounts for Via E toys for girls.
Every girl is entered in the drawing for a new white Apple iPad mini 16GB Wi-Fi.

3 girls will achieve the title, Top Author, and will become featured Authors

AND

The first 50 Girls receive a FREE gift valuing up to $50.00!

MORE PRIZES!
10 girls receive an autograph copy of Alex’s first book, Ten Acts of Kindness
16 girls will receive signed copies of an illustration progression from rough to final for one of the illustrations in Alex’s new book soon to be released, Treasure of the Red Sand Beach

Enter as many times as you wish!*

Submission instructions:

  1. Every story must have a cover illustration and a minimum of one story illustration.
  2. Stories must contain wholesome content.  We encourage fully developed stories, however, there are no minimum word requierments.
  3. Stories may be picture books but some words must be present to “tell” the story.
  4. Each submission requires full name, age, grade in school and state or country. Please do not include city or name of school for security reasons.
  5. A parent’s signature or email expressing acknowledgement of the submission.
  6. Email your submissions to: MyStory@Via-E.com

OR

Mail to:
My Story c/o Via E, Inc.
555 N. El Camino Real Suite A288
San Clemente, CA 92672

This contest is for ages 5 to 12 years old. Contest will run until the first 100 valid submissions have been received or February 28, 2013, whichever occurs first.

* Each entry will count toward the mini iPad drawing, but only one additional prize can be received per person.

Via E, Via Me, Via Me Author’s Desk, Via Me Author’s Corner, Alex, Treasure of the Red Sand Beach, Ten Acts of Kindness all illustration, and content of Via-E.com, ViaMeAuthorsDesk.com and associated blogs and microsites associated with Via E, Inc. are copyright 2012 Via E, Inc. All rights reserved.  Via E is a young company dedicated to wholesome values and education systems designed to nurturer and develop skills for success in both the child’s today and their tomorrows.  For more information please contact:  Ellen Callen, President/CEO Via E, Inc. via email: ellen@via-e.com

She can become a published Author today!

Via E announces a new website that publishes girl’s stories for free. The new Via ME Author’s Desk site has a goal of encouraging girls to read and write by making the process fun and exciting.  All she has to do is email a story, a cover illustration, any interior illustrations and a short biography with her name, age and picture (optional.)  Locations are not published to protect each girl and make the online environment safe.

Via ME Author's Desk

We will review the story, make any edits necessary, post the story and follow-up with an email telling her that she is now published.  Also provided are writing tips for her to apply to her next story.  Even the best authors have an editor–now your girl does too!  The number of stories that can be published for one author is unlimited.

Writing is fun when creativity is unleashed from the mechanics of the art.  The more she writes, the easier the mechanics become.  With writing comes an appreciation for other written works and soon she will find a love of both reading and writing–they way it was meant to be.

The Via Me Author’s Desk site is ready for its first stories so send in your favorite stories today!

Visit: www.viamewritersdesk.com and email your stories to: MyStory@Via-E.com.

Via Me is a division of Via E where the spotlight is on showcasing each girl’s talent.  Via E, Inc. has a charter of providing toys and education system that support wholesome family values.  Via E is a young company with a big heart.  Help us build a community where the focus is on the development of girls vs. the development of a Wall Street agenda.  Follow us on WordPress, Twitter, and like us on Facebook.  Your vote of confidence counts!

Positive Reward Systems that Work

Via E has created two systems, Via Education and Via E Girls, designed to partner with parents to support their efforts to reward and reinforce positive behavior. Via Education pays girls for their “A” papers received in school by giving them discounts to purchase the things they love.  They get their own Via Education account number and with each paper submitted their account earns discounts, or Via E Dollars, that they can draw upon to make their purchases.  Having their own account filled with Via E Dollars creates a positive rewards system and a sense of accomplishment that complements the reward systems in place at school and home, while at the same time, reduces the cost for moms to purchase the toys their girl desires.

Via E Girl is a forum where average girls share their stories of accomplishment and community involvement.  Each girl that applies receives the title of “Via E Girl”, their story and pictures posted on the Via E website (last names and locations are withheld to keep the girls safe), a certificate of achievement, and a free outfit for their dollfriend especially designed to their interests as a gift for sharing their story with other girls.  Every girl is exceptional in her own way.  Via E lifts up each girl so other girls will be inspired to be all they dream to be. The more confidence girls build in their youth, the greater the chance they will not fall to the pressures of social groups that embrace values conflicting with their own.  Via E believes our “average girls” are much better role models fore each other than those provided by today’s media.

We all have established reward systems to help encourage our children to work hard at learning.  We offer up financial rewards for grades achieved, praise and recognition by posting those prized “A” papers on the refrigerator or other special place of recognition, perhaps we take them on a special trip—all in the name of conditioning our children to want to produce excellent work.  This positive reinforcement is a highly successful technique and has proven to be more successful than other forms of behavioral training such as punishments or negative reinforcement techniques.

Burrhus Frederic “B. F.” Skinner, Behavior Scientist 1904 – 1990, did much research in the field of behavioral sciences and provides a foundation for thinking about the tools and techniques that we parents might utilize in our own efforts. In his work, Skinner discussed positive reinforcement as superior to punishment in altering behavior. He maintained that punishment was not only the opposite of positive reinforcement but positive reinforcement results in lasting behavioral modification, whereas punishment changes behavior only temporarily and presents many detrimental side effects[1].

The concept of positive reinforcement may also be applied in a negative way through peer pressure.  The idea here is when the child acts as the peer group wants them to act, they get the approval they desire.  This positive feeling of acceptance can over-ride the short-term costs of punishment in the home for non compliance.  Thus we must work hard to surround our children with social groups and systems that are inline with our own philosophies and moralities.

Via Education and Via E Girls are two positive reinforcement systems designed with a mother’s heart and to give lift to the ambitions and desires of girls everywhere.

More information on reinforcement techniques:

http://www.psychologytoday.com/blog/aristotles-child/201105/catch-em-being-good-0

http://allpsych.com/psychology101/reinforcement.html

http://voices.yahoo.com/positive-reinforcement-improves-kids-behavior-105895.html

http://www.kidsbehaviour.co.uk/using-positive-negative-reinforcement-promote-good-behaviour.html