Ever since Monday I've been stuck with a pressing dilemma: What to do with my economic stimulus payment. To be frank, I was actually surprised to receive a letter from the IRS this week since the payment schedule for those who had filed their returns electronically had passed. I assumed that I was unable to qualify for one.

Without giving away my adjusted gross income, I always knew that I wouldn't get the full $600 that was distributed to most single taxpayers, but I wasn't exactly sure if I'd get a fraction of that. And I don't mean to seem ungrateful or anything, but when I read the letter and found out that I would receive a windfall of $6.95, as you can imagine, I was kind of taken aback, so I immediately called friends and family members to inform them of my newfound fortune.

I mean, what exactly is a person to do with $6.95 in this day and age anyway? With soaring inflation, I'll be lucky to buy myself a one-way bus ticket down the block.

At least consumers with full-sized payments took to the malls in the second quarter, boosting retail sales – let's see how long that lasts. But I just don't know how my $6.95 is going to stimulate anything. I've narrowed my list of options. Here's what I've been grappling with.

Toucan Sam, that maniacal colorful spokesbird for Kellogg Company (NYSE: K), always kind of gave me the creeps as a child -- and sugary cereal wasn't allowed by my parents anyway. (Only during the occasional visits to my 12-hours-away grandmothers was I allowed the sweetness of Frosted Flakes, Fruity Marshmallow Krispies, and others).

But the crazy cartoon bird may be joining Joe Camel in that great advertising icon zoo in the sky, as Kellogg's plans to do away with advertising aimed at children 12 and younger, unless the advertised foods meet specific nutrition guidelines for calories, fat, sugar, and sodium. Licensed characters and branded toys will also be abolished for foods that don't pass nutritional muster.

Company officials say that 27% of Kellogg's advertising budget is spent on the 6-11 age group (a policy is already in place to prevent targeting ads on children younger than 6). The new guidelines mean that Kellogg cannot publish an advertisement on any television, radio, Web site, or print source with an audience that is 50% or more of children under 12.

Under the new regulations, one serving of food must contain 200 calories or fewer, no trans fat, no more than 2 grams of saturated fat, no more than 230 milligrams of sodium, and no more than 12 grams of sugar. Cocoa Krispies, Fruit Loops, and Apple Jacks don't make the cut, but Frosted Flakes (with only 11 grams of sugar) does. Looks like Tony the Tiger won't be seeking alternate employment just yet.

Beth Gaston Moon is an analyst at Schaeffer's Investment Research.