My Spanish Nightmare

Vivian & I speak spanish @ home but with my 1st grade spanish level I had a nightmare last night of a conversation with my children when they are adults.  Here is an except of that nightmare.

Hola papa.-Hi dad.
Hola ninos.-Hi kids.
Como Estas?-How are you?
Bien. Y como estan mis ninos?-Well.  & how are my kids?
Papa.  Necesitamos ayuda.

Time out kids.  What does ayuda mean?
I thought you spoke spanish dad.  Help dad.  We need Help.  
I speak spanish.  I got confused.  It won't happen again.  Let's speak spanish.  Ask me again.

Papa.  Necesitamos ayuda-Dad. We need help.
Claro que Si.  Soy tu papa-Of course. I am your dad.

Nos prestas quinientos dolares?
Of course.  I mean...  Claro que si.  Soy tu papa - Of course. I am your dad.
Gracias.  Te amamos papa.  Thanks. We love you dad.Vivian.  What does Nos prestas quinientos dollares mean?
They asked to borrow 500 dollars and you said yes you idiota.

Hey.  HEY>>>  Come back.  

HEY COME BACK HERE>>>
What does idiota mean? 
WHAT DOES IDIOTA MEAN???


Until tomorrow.

Jai