21. Union Bank & Trust ElementaryAge Children Children are excited to learn, so use everyday situations to teach money management lessons. Open a savings account for your child. http://www.ubt.com/tools/library/personalbanking/easy_ways_to_teach.htm

SITE RESOURCES SITE TOOLS Financial Calculators FAQs Site Search Smart Solutions Library ... Statement Information CONTACT US Send Email Phone Directory Request Information Change of Address Form Money Management When your children receive birthday money or their allowance, do they spend it all on bubble gum and yo-yos, or do they save it for a more expensive item they want? Habits established when young are hard to shake; therefore, teaching your children sound money management skills early can get them started on the right path. For each age, there are appropriate ways to learn money skills. In general, involve your children in discussions about money and create an environment where they can ask questions. Preschool Children Because young children don't understand abstract ideas, use concrete techniques to introduce money concepts. Have children pay for an item at a store to show that money is exchanged for goods. Encourage saving by giving your child a fun piggy bank, like one that plays music when a coin is deposited.

22. Credit Cards: Start Now To Teach Teens Good Credit Management Looking for a way to teach credit basics to a collegebound teen that it is far better for teens to learn the ins-and-outs of credit and money management with a http://www.bankrate.com/brm/news/cc/19980907.asp

var survey = ""; var alt_ads = false; alt_ads = AlternateAds(999, 20); Home Credit Cards E-mail this story Printer friendly page Start now to teach pre-college teens good credit management By Lucy Lazarony Bankrate.com Looking for a way to teach credit basics to a college-bound teen? Consider letting them use a low limit credit card. Experts point out that it is far better for teens to learn the ins-and-outs of credit and money management with a low limit card while living at home when the parents are there to step in if necessary than later on when they are struggling with the demands of college or a first job. "If they're going to make a mistake this would be the time to do it," said Charlotte Newton, a vice president of consumer affairs at MasterCard. Two choices There are two ways to put a card in a high school student's hand. Some issuers such as Capital One market lower-limit cards to parents with teens as young as 15. While the card offers are addressed to the "parents of ... " the bills and the cards bear the name of the teen, not the parent. Parents serve as co-signers.

23. Savings: Cash Management Accounts Teach Kids About Money bank accounts for kids including cash management and checking bankrolled and overseen by mom and dad, a good way to teach children about money management. http://www.bankrate.com/brm/news/sav/20000808a.asp?prodtype=dep

24. ANR IMPACT - UC Trains Trainers To Teach Money Management To Low Income Families Kern County UC Trains Trainers to teach money management to Low Income Families. Consumer debt is an important factor in the financial stability of families. http://ucanr.org/delivers/impactview.cfm?impactnum=363&mainunitnum=0

25. UC Launches Web Site To Teach Teens Financial Management UC launches Web site to teach teens financial management. A new Web site for teens, money Talks, Should I be Listening? was launched in December in English http://ucanr.org/externalstories/moneytalks.shtml

UC launches Web site to teach teens financial management A new Web site for teens, "Money Talks, Should I be Listening?" was launched in December in English and Spanish by UC Cooperative Extension to present sound financial information to "Generation Y," a savvy and sophisticated group that spends lots of money. According to Teenage Research Unlimited, 12- to 19-year-olds purchased $155 billion in goods and services in 2000. However, surveys find their financial literacy is low. Problems can mount as teens reach their 20s, according to Karen Varcoe, the human resources program leader for the UC Division of Agriculture and Natural Resources. "When teens go on to college or get out on their own, they often have easy access to credit. Since many don't know how to use the credit, they find themselves over extended. There are a lot of bankruptcies in that age group and some suicides when young adults feel they have too much debt," Varcoe said. "The savings rate in America is at an all-time low. Many people don't know how to develop a budget based on their values and goals." These facts set the UC Cooperative Extension "Money 2000+ for Teens" workgroup in action. They started by asking teens what they wanted to know about money management. Focus groups and surveys revealed a fascinating picture of Generation Y.

26. Parents Say Schools Need To Teach Money Management Early On Choose an area of interest Parents Say Schools Need to teach money management Early On. Jan. 30, 2003 American parents are expressing http://www.smartpros.com/x36908.xml

Choose an area of interest: choose Accounting Financial Planning HR International Legal Corporate Finance Students Tax Technology Search  Member Sign Up Member Log On Edit Member Profile Newsletters ... Advertise Choose an area of interest: Parents Say Schools Need to Teach Money Management Early On Jan. 30, 2003 American parents are expressing a newfound interest in financial literacy education for their children, according to a recent Coinstar National currency Poll. Money-conscious Americans have expressed a strong interest in educating their children on how to be more financially literate. Among respondents with children currently in school, the poll revealed that an overwhelming majority of parents (97 percent) feel it is important for children to receive some form of financial literacy instruction in school. "Americans feeling the pinch of today's tough economic times are making changes to their saving and spending habits to make every penny count literally," said Dave Cole, chief executive officer of Coinstar. "Also, as families are becoming more aware of controlling their own finances, they are also looking to teach their children money management skills at a young age." Nearly half of parents surveyed also report that their child's school does not provide a program and/or designated curriculum teaching financial literacy. Fifty-two percent of parents who feel

27. Parents Should Use Summer Jobs To Teach Money Management Parents Should Use Summer Jobs to teach money management. May 22, 1998. http://www.ncat.edu/~soa/news/may98/summerjob.html

Parents Should Use Summer Jobs to Teach Money Management May 22, 1998 Also this month: * Extension Specialist Advises on School to Summer Transition * Columbus County Farmers Abuzz with Bees * Reddy Earns Research Award Other News Links: Press Release Archive Cooperative Extension Press Releases Agricultural Research Press Releases General Links: Agricultural Communications Mitch Arnold, news editor Greensboro, NC: The money that youngsters make during the summer provides an opportunity for parents to teach their children the financial facts of life, says a Cooperative Extension specialist. "Setting a good example about money is great, but that's not enough if you want your child to handle money responsibly now and into adulthood," says Dr. Claudette Smith, a family resource management specialist with the North Carolina A&T State University Cooperative Extension Program. Smith recommends that parents work through financial planning with their children, rather than simply lecturing to them about the importance of money management, and that summer jobs provide an ideal opportunity to do so. "Most children learn more from experience than from lectures," said Smith. "They learn to make better choices when they are able to see the natural consequences of their decisions, and often, they begin to see that there are limits to what they can buy with the money they make. This realization may help them adjust their expectations of their parents' money."

28. Financial Tips From The Credit Unions Of BC At bookstores and educational toy stores, you can find books, videos, board games and computer games that teach money management skills. http://www.credit-union.com/magazine/financial_tips/y2002/tips12-02.html

QuickLinks... Contact Us Financial Calculators Desktop Wallpaper Off-site Links: Credit Union Careers Credit Union Press Releases Economic Briefing Loan Calculator Can you afford monthly loan payments? Mortgage Calculators Can you swing the mortgage on a new home? How much will your new monthly payments be? RRSP Calculator Will your RRSPs enable you to retire comfortably? Education Savings Calculator Financial Tips A wide variety of handy money saving and money management tips for every aspect of life. Economic News A variety of tools to provide you with the latest information on BC's economy. Home Financial Tools Financial tips Stock in the Stocking Gifts that teach the value of money This year before you wait in the rain or snow to buy a child that special gift like Harry Potter Lego or Hobbit Barbie, consider giving a financial-related gift to a child. Money? How crass, how boring!! Not necessarily. Gifts that teach the importance of sound money management and investment practices can provide valuable lessons that will serve your children or grandchildren for years to come. Give a portfolio Several shares of stock in a movie company or computer software could be a big hit with a teenager. Together you can follow the stocks performance in the paper, and watch for news about the company.

29. Money Management teach your child the difference between essential and discretionary spending and Finally, examine your own money management practices to determine if you are http://www.nysscpa.org/sound_advice/money_7.14.03.htm

Home Join Site Map Search Advanced Search Sound Advice Sound Advice Main Page Sound Advice Archive ... Tax Resources Money Management Money Management is a weekly column on personal finance prepared and distributed by certified public accountants. FOR IMMEDIATE RELEASE: July 14, 2003 TEACH YOUR TEENAGER HOW TO MANAGE A SUMMER SALARY SET A GOOD EXAMPLE TEACH THEM TO SAVE AND SPEND WISELY MAKE SAVING A PRIORITY Planning for future purchases is an important learning experience. For successful savings, encourage your teen to define his or her financial goal, and develop a plan for saving toward that goal. By high school, every teenager should have a bank account. A savings account is best for younger teens, but older teens should know how to use a checking account. Teach your teen how to write and record checks and how to balance statements. TEACH SAVVY SHOPPING SKILLS Encourage your teen to comparison shop by checking prices with different retailers. Show them how to save money by buying generic brands or shopping at thrift shops. Make sure they grasp the concept of unit pricing so they better understand what they are getting for their money.

30. Junior Bankers Club - Teach Wise Money Management teach Wise money management. The Junior Bankers Club is designed for children ages 12 and under to offer kids a fun way to save http://www.americantrust.com/Personal_Banking/Junior_Bankers_Club/

AmeriClub Checking Credit Cards InfoLine Plus ... VISA Buxx Teach Wise Money Management. The Junior Bankers Club is designed for children ages 12 and under to offer kids a fun way to save money, while teaching them life-long money management skills. Join the Club Events Parent's Corner Kid Stuff ... Activities

31. Want To Teach Children About Money? It’s bad enough that most schools don’t teach this subject, but it there is no separate discipline called personal finance, so if money management is taught http://www.ricedelman.com/planning/kidsncash/teachkids.asp

Want to Teach Children About Money? By Ric Edelman From Inside Personal Finance I have bad news and worse news. The bad news is that thousands of high school seniors recently flunked a test on personal finance, with an average score of just 50%; only 4% of the students passed. The worse news – yeah, it gets worse – is that these scores are actually lower than they were six years ago. That’s right: In the 1997 study, seniors scored 57%, and they scored 52% in 2000. The tests were administered nationwide by the Jump$tart Coalition for Personal Financial Literacy. To learn more about this, I visited last month with Dara Duguay, the coalition’s executive director. Ric: Dara, what on earth is going on? Dara: Ric, this year’s results were horrible, and the scores are getting progressively worse. The problem is that only 15% of the students in our survey reported learning anything about personal finance in school. That means the number one teacher is the parent. But in many cases, the parent doesn’t know how to teach about money. Thus, we often find the blind leading the blind. Ric: The obvious answer is for parents and teachers to become more involved, but as you said, they often know little about personal finance themselves. So, what can they do to learn how to teach money to kids?

32. Managing Money ... Teach Your Children What They Won't Learn At School It s not part of the school curriculum, so who will teach our children He became aware of the importance of teaching children about money management as soon as http://aca.ninemsn.com.au/stories/62.asp

spac_writeAd('/cat=news/site=ninemsn.aca/area=stories/loc=top/aamsz=banner') news/current affairs web search mobile hotmail ... membership Member news.ninemsn.com.au ACA Home Stories Fact Sheets ... ACA search: Should money management be a compulsory subject in school? Yes No Financial tips for kids Managing money ... teach your children what they won't learn at school 6 January 2000 Reporter: Kellie Sloane As parents, we take great care to ensure our children are educated. We encourage them to be independent and choose a rewarding career. But what about the skills of managing money? It's not part of the school curriculum, so who will teach our children the secrets to financial success? Financial adviser Neil Fairhead has been in the money business for more than a decade. He became aware of the importance of teaching children about money management as soon as they start earning pocket money and developed an interactive program called Pocket Pal. It's a fun way for the entire family to learn good financial habits. The first lesson is enterprise bargaining. Children are taught to negotiate with their parents what chores need to be done and how much they'll be paid for doing them.

33. News Article - Churches Teach Money Management To Aid Parishioners May 16, 2004 View a printer friendly version of this page. Churches teach money management to aid parishioners. Publisher Associated Press. By Russ Wiles. http://religionandsocialpolicy.org/news/article.cfm?id=1507

34. KTUU.COM - Market View, Alaska Investment And Money Management News And Informat Past Market View stories 5/14 teach kids about money 4/30 - City tax revenue 4/23 - Tax tips 4/16 - Portfolio tips 4/9 - Financial questions 4/2 - Couple http://www.ktuu.com/features/marketview/index.asp

Home Weather Auto Insider Real Estate ... Channel 2 News Links Search Alaska News Special Feature The Fishing Report Alaska News Features Online TV player Tonight on 2 News Alaska Headlines Alaska Video Stories ... Washington Diary Station Services Mobile Productions Sat-Truck Services Syntax Productions Contact Us Talkback @ KTUU Website Comments Station Directory Channel 2 Studios 701 East Tudor Road Suite #220 Anchorage, Alaska Phone (907) 762-9202 Fax (907) 561-0882 Talkback Line Market View Financial News with Garret Wong Financial trivia time June 4 It's time for some financial-planning trivia.

35. Allowance Tips: Good Money Management Begins With An Allowance Allowance Tips Good money management Begins with an Allowance. The important thing is not to rescue them with more money. teach philanthropy at an early age. http://www.familyeducation.com/article/0,1120,65-12934,00.html

Allowance Tips: Good Money Management Begins with an Allowance The best tool parents have for teaching financial responsibility is an allowance. Even very young children should have discretionary funds to spend as they see fit. Saving, decision-making, planning, sharing, charity, and responsibility are just some of the lessons that can be taught through an allowance. It's important to clarify that an allowance isn't money a child earns for doing chores. Children should have age-appropriate tasks they're expected to do without pay simply because they are members of a family. An allowance is part of the parents' responsibility to meet the needs of the family. The amount of the allowance depends on the child's age and the parents' income. It should be adequate to meet the child's needs but not necessarily every want. Perhaps the most important benefit of an allowance is learning to develop independent thought. Expect children to do some unexpected things with their money, but allow them to make their own mistakes. The important thing is not to rescue them with more money. Help them work through their own solutions. We suggest the following tips for teaching financial responsibility: Teach philanthropy at an early age.

36. Teaching Kids Their Financial ABC's She also has a web site that teaches parents how to teach their children good money management skills. Her site can be found at www.moneymentors.net. http://www.stretcher.com/stories/00/000626i.cfm

New Visitors Sponsorship Contact Us Search Our Site! Calculators Mortgages Autos Credit Cards Investing Moving Small Business Spending Power courtesy of Bankrate.com Topical Index Appliances Automobiles Auto loans Babies Banking Beauty Product Reviews Buying Canadian Interest Cash Management CDs / Savings Charity Christmas Cleaning Clothing College Consumer Protection Coupons Crafts Credit unions Best rates Daycare Debt Dentistry Earning Money Education Electricity Energy Expenses, Family Extended Warrant. Family Activities Finances Free Help! Funerals Garage Sales Gardening General Advice Halloween Health Hobbies Holidays Home Decorating Home equity Home Repair Homeschooling Houses: Buy/Sell Humor Insurance Insurance IRA's IRA center Investments Investing Legal Advice Making Extra Money Medical Care Miscellaneous Money markets Mortgages Mortgages Moving Natural Living One Income Families Online finance Organization Personal loans Pests, bugs/etc Pets Plumbing Problem credit Property Mgmt. Recipes Recycling Refunding Retirement Romance Savings School Service Contracts Single Living Single Parents Space Management Special Needs Taxes Time Managament Travel Utilities Vacations Voluntary Simplicity Weddings Working Working Women Calculators Check rates Look up terms Learn the basics Get advice Find story Save Time Free Newsletters Before you buy or refinance: Your Home You Car You could save thousands!

37. Teach Your Children...About Money teaching your children the basics of money management can be an for such things and can use the money they earn system is an excellent way to teach kids about http://www.stretcher.com/stories/00/000515g.cfm

New Visitors Sponsorship Contact Us Search Our Site! Calculators Mortgages Autos Credit Cards Investing Moving Small Business Spending Power courtesy of Bankrate.com Topical Index Appliances Automobiles Auto loans Babies Banking Beauty Product Reviews Buying Canadian Interest Cash Management CDs / Savings Charity Christmas Cleaning Clothing College Consumer Protection Coupons Crafts Credit unions Best rates Daycare Debt Dentistry Earning Money Education Electricity Energy Expenses, Family Extended Warrant. Family Activities Finances Free Help! Funerals Garage Sales Gardening General Advice Halloween Health Hobbies Holidays Home Decorating Home equity Home Repair Homeschooling Houses: Buy/Sell Humor Insurance Insurance IRA's IRA center Investments Investing Legal Advice Making Extra Money Medical Care Miscellaneous Money markets Mortgages Mortgages Moving Natural Living One Income Families Online finance Organization Personal loans Pests, bugs/etc Pets Plumbing Problem credit Property Mgmt. Recipes Recycling Refunding Retirement Romance Savings School Service Contracts Single Living Single Parents Space Management Special Needs Taxes Time Managament Travel Utilities Vacations Voluntary Simplicity Weddings Working Working Women Calculators Check rates Look up terms Learn the basics Get advice Find story Save Time Free Newsletters Before you buy or refinance: Your Home You Car You could save thousands!

38. Freshman Finance 101: Money Management Skills For College Students Don t wait until your children heads off for their first year of college to teach them how to manage money. http://www.calcpa.org/consumers/ask/2003/mm.09.08.html

CalCPA Online For Consumers Ask a CPA Freshman Finance 101: Money Management Skills For College Students Don't wait until your children heads off for their first year of college to teach them how to manage money. The California Society of CPAs ( www.calcpa.org ) says that parents can prepare their children for the rigors of managing a college budget by discussing monetary issues openly and teaching them the basics of personal finance. Here are some guidelines to help you get started. Have a Plan in Place To avoid misunderstandings with your soon-to-be college freshman, be up front about which college expenses you will cover and which you'll expect your child to pay. Once you agree, decide on a plan for disbursing those funds. Monthly payments typically work best. Students given a large lump sum at the beginning of the semester may be tempted to use the entire amount in the first few months. Be clear that when the money runs out, unless it's an emergency, you won't cover the shortfall. Otherwise, your child will never learn to live on a budget. Focus On Budgeting College life is full of opportunities to spend. Encouraging your child to develop a budget will help them maintain control of their money and limit spending. Have your child list all sources of monthly income job earnings, savings, and parental support and then develop a list of estimated expenses for the same time. Realistically identifying your student's college living expenses in advance can be tricky. For starters, have your child consider the cost of books and school supplies, meals not covered by a meal plan, entertainment, personal care items, laundry, telephone and Internet service, cab rides or car expenses, and clothes. Remember, budgets need to be flexible and can be revised after the first month or two.

39. Teach Your Teenager How To Manage A Summer Salary their parents live within their means and practice sound money management budgeting, setting teach Them to Save and Spend Wisely Once your teenager gets a http://www.calcpa.org/consumers/ask/2003/mm.07.02.html

CalCPA Online For Consumers Ask a CPA Teach Your Teenager How To Manage A Summer Salary Summer jobs give teens newfound freedom and money to spend. Just how well your teen handles his or her first paycheck may set a precedent for life. Here's some advice from the California Society of CPAs ( www.calcpa.org ) that may help your teen make the most of his or her summer salary and develop a solid basis for future financial success. Set a Good Example Parents should provide a good example of financial responsibility and involve their children in money management activities. It's important that teenagers see their parents live within their means and practice sound money management budgeting, setting long-term financial goals, making wise purchases, saving and investing. Start by reviewing the family budget and making your teen aware of monthly bills. Demonstrate how saving helps you buy the things your family needs, rather than charging. Also, explain your investment plans and strategy. Teach Them to Save and Spend Wisely Once your teenager gets a steady paycheck, demonstrate how to save and spend. In other words, help them develop a budget. Establish three categories: essential purchases, savings, and discretionary items. Discuss and agree upon the essential items you expect your teenager's paycheck to cover. This may include car insurance, gas, telephone bills, or school lunches. After establishing essential expenditures, set a savings goal with your teen, but be sure money is left over for fun. Your teen will be quickly disillusioned with working if there's no money to play with.

40. Teach More/Love More - Community Resources Financial Aid/money management. The teach More/Love More hotline is a partnership between The Early Childhood Initiative Foundation and Switchboard of Miami. http://www.teachmorelovemore.com/CommunityResourcesList.asp?catid=2&subcatid=9

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