It's not very often parents like us can sit back on the sidelines. The Special Olympics allow us to do that.

This strategy could be successful in markets that are multi-cultural with assimilated Hispanic populations, such as California, Florida and Texas,

That's because of the drinking, smoking and loud noise.

But it's not as likely to succeed in states with emerging Hispanic populations such as North Carolina. The strategy still depends too much on going through mainstream banking contacts, and many Latinos still prefer to transfer through independent stores in their communities.

I was pregnant at the time. We thought it would be a good investment for our daughter's college.