41. Credit Counseling Program :: Debt Reduction Services :: Avoid Bankruptcy :: Paym Students read about the cubs spendthrift ways and how Mama and Papa Bear teach them to earn and save. (C) 2004 money management International Privacy/Usage http://www.moneymanagement.org/Education/Resources/

My Money Management Enroll Now Ask Susan Calculators Free Credit Report Site Navigation Home Our Program Enroll Now Login ... SiteMap Login Email Address Password Save Login Home Education Resources Add This Page to My MMI Email this Page to a Friend Educational Resources for Teachers Money Lesson Plans and Materials for Grades 3 - 6 Welcome to the MMI Educational Resources for Teachers! MMI strongly believes that personal finance education in early years is critical for our children's future. These money lesson plans and resources are designed to provide educators with strategies for teaching personal finance education in the classroom. As you prepare students to become more knowledgeable consumers, wise savers and investors, responsible users of credit, and careful decision makers, MMI encourages you to visit these web pages frequently to discover innovative methods of teaching a responsible relationship to personal finance. MMI has begun this site with money lesson plans designed for use in grades 3 - 6. These lessons teach personal finance concepts through the use of children's trade books. A new money lesson plan will appear every month, so we encourage you to visit us in the future for new ideas for your classroom. These printable lessons include a lesson description

42. Debt Elimination & Counseling :: Credit Card Management :: Consolidate Bill teach lesson 6, Jeff s Big Decisions, from Personal Finance Economics $mart $pending and $aving, National (C) 2004 money management International Privacy http://www.moneymanagement.org/Education/Resources/Mama/index.asp

My Money Management Enroll Now Ask Susan Calculators Free Credit Report Site Navigation Home Our Program Enroll Now Login ... SiteMap Login Email Address Password Save Login Home Education A Gift for Mama Add This Page to My MMI Email this Page to a Friend A Gift for Mama by Esther Hautzig Puffin Books, 1981 ISBN 0-14-038551-7 Lesson plan by Mary C. Suiter Description: In this lesson, students read a story about a young girl named Sara. Sara has always made gifts for her family for special occasions. For Mother's Day, Sara decides she wants to buy a gift for her mother. After reading and discussing the story, students will create a booklet in which they've illustrated Sara's short-term savings goal and their own short-term savings goal. Personal Finance Concepts: Income, saving, short-term goal Related Subject Areas: Language arts (reading, comprehension, comparing differences and similarities) Instructional Objectives: Students will be able to: define income, saving, spending, and short-term goals. identify examples of short-term goals. develop a plan to reach a short-term savings goal.

43. ::The Consumer Affairs Commission:: teach YOUR CHILD GOOD money management SKILLS. agreed and with interest. teach them good money management skills by your example. http://www.consumeraffairsjamaica.gov.jm/childmoney_edge.htm

TEACH YOUR CHILD GOOD MONEY MANAGEMENT SKILLS Published in the The Star on September 10, 2003 One important skill that all Parents should teach their children is how to manage money. Teaching your children to be financially successful will help them avoid living from pay cheque to pay cheque and getting into debt in the future. A good starting point in helping your child develop good money management skills is to help them save. Here are some useful tips to assist you with this process: Make saving fun USE: BRIGHT COLOUR SAVING PANS Toddlers are attracted to bright colours and shiny objects, so take advantage of this. Purchase a piggy bank or saving pan that look like a ball or a cartoon character and which has vibrant colours. Next, give them your spare change to drop into these saving pans. You may soon find you won’t have any change at home as all of it will be in your child’s saving pan. MONEY GAMES Encourage your child to play games that help them to develop money management skills such as, monopoly. If you can’t find one that suits your child’s needs then create your own. Let them see it grow A. START A BANK ACCOUNT

44. WSJ Opinion week s worth of course work in money management or personal finance. . But public schools already have too many requirements on what to teach their students http://www.madison.com/wisconsinstatejournal_opinion/73477.php

Classifieds Jobs Autos Homes ... Archives Reader Services Subscribe Renew your subscription Temporary stop Carrier opportunities ... Newspapers In Education Advertiser services: Place a Classified ad Media kit Digital file requirements Answer Book ... Community pages Parents must teach kids money smarts 6:06 PM 5/01/04 Wisconsin lawmakers, perhaps mindful of their own frequent shortcomings in the area of money management, considered a bill last session that would have required students to take a finance class to graduate from high school. But public schools already have too many requirements on what to teach their students and when. More fundamentally, poor financial literacy test scores from across the country year after year expose a failing at home, not in the schools. Parents, not educators, should take time to teach children how to avoid the mistakes of spending too much and saving too little. Clearly, financial ignorance is expensive: The number of young adults age 20 to 24 declaring bankruptcy is growing fastest among all age groups. These bankruptcies burden business and society. Teen-agers spend $155 billion annually, apparently all of it on low-riding pants and Playstation games. And with the proliferation of easy credit, young people can dig a deep debt trap early in life, delaying or derailing plans for higher education and home ownership.

45. Generous Giving : Experience The Joy!! They also give practical help, tips and activities to teach kids basic money skills and management, using the Bible as the primary teaching tool. http://www.generousgiving.org/page.asp?sec=50&page=175

46. Generous Giving : Experience The Joy!! our giving and asking of funds?” Extravagant Generosity teach and Model Churches are seeing the advent of stewardship pastors, money management study groups http://www.generousgiving.org/page.asp?sec=28&page=247

47. Practical Money Skills For Life - About This Site - Press Center - Release 83 percent) look forward to backto-school shopping and 86 percent say they try to use it as an opportunity to teach their child good money management. http://www.practicalmoneyskills.com/presscenter/releases/082001.php

Select a Program Path HOME: Practical Money Skills for Life Practical Money Skills for Teachers Practical Money Skills for Parents Practical Money Skills for Students Practical Money Skills for Consumers FOR IMMEDIATE RELEASE: August 20, 2001 FOR MORE INFORMATION: Tiffany Seibel 415-984-6192 Hispanic Families Feel Money Management Should Be One of the First Back-To-School Lessons Visa U.S.A. national survey reveals that Hispanic parents are most concerned about classroom discipline, financial literacy, and the digital divide. August 20, 2001 - As students head back to school, Hispanic parents say children lack the basic skills to successfully manage their money according to a national survey of Hispanic parents released today by Visa U.S.A. The survey indicates that Hispanic parents who give their high school age children allowances give $19.60 on average, but 72 percent say their oldest child does not have a budget for managing that money. Most Hispanics surveyed (93 percent) also note that they learned how to manage their finances through life experiences and the school of hard knocks and feel that schools should be required to teach a class in practical money skills. According to the survey, most Hispanic parents (83 percent) look forward to back-to-school shopping and 86 percent say they try to use it as an opportunity to teach their child good money management. On average, Hispanic families shopping for back- to-school spend $251.70 per child on high school students, and nearly double that - $434.30 per child - for college-age students. An overwhelming 98 percent of Hispanic parents surveyed also say it's important to teach high school students good money management skills before they leave home.

48. Practical Money Skills For Life - About This Site - Press Center - Release Don t Know/Refused, 6%. 15.) It s important to teach high school students good money management skills before they leave home. Agree, 99%. Disagree, 1%. http://www.practicalmoneyskills.com/presscenter/2002_bts_survey.php

Select a Program Path HOME: Practical Money Skills for Life Practical Money Skills for Teachers Practical Money Skills for Parents Practical Money Skills for Students Practical Money Skills for Consumers Survey of 1,000 Parents of Children K-College Conducted by Visa U.S.A. July 28-29, 2002 1.) I try to use back to school shopping as a way to teach my (child/children) good money management. Yes No Refused Yes No Refused 2.) Is it important that area schools focus on ensuring students learn practical money skills before graduation? Yes No Don't Know/Refused 3.) Has your child taken any classes in school that teach practical money skills? Yes No Unsure Yes No Unsure/Refused 5.) Which is more difficult? Getting children to clean their room Teaching your children good money skills Unsure/Refused 6.) Do you generally look forward to doing back to school shopping or do you dread it? Look forward to it Dread it Unsure/Refused 7.) On average, how much do you spend, per student, on back to school expenses for your child or children?

49. TEACH YOUR TEENAGER HOW TO MANAGE A SUMMER SALARY money management. A column on personal finance prepared by the Virginia Society of Certified Public Accountants. teach YOUR TEENAGER HOW TO MANAGE A SUMMER http://www.lifetimefp.net/Advice070302.htm

MONEY MANAGEMENT A column on personal finance prepared by the Virginia Society of Certified Public Accountants 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. If you believe your child is spending too much money on frivolous things, have him or her create an expense log showing exactly where the money is going. Your teen may not even realize how much money is being spent on snacks, entertainment, and other activities. This can help put spending habits into perspective and inspire your teen to change his or her ways.

50. Booklet > Managing Your Finances > Teach Your Children About Finances in the way he should go, and when he is old he will not depart from it. Take this proverb to heart and teach your children the principles of money management. http://www.ucg.org/booklets/MF/teachyourchildren.htm

Managing Your Finances [ Return to booklet contents ] Teach Your Children About Finances "Children are a gift from the LORD; they are a real blessing" (Psalm 127:3, Today’s English Version). The New King James version calls them "a heritage from the LORD." What a wonderful privilege it is for parents to raise the next generation! When God delivered Israel from slavery in Egypt more than 3,000 years ago, He was interested in the future of the adults and their children. He wanted the Israelites to take root in their new land and prosper for many generations. This is why He repeatedly told the Israelites to carefully teach their children the things He had taught them (Deuteronomy 4:9-10, 40; 5:29; 6:2-9; 11:18-21). How early can children begin the process of learning about money? There is no set age, but experience indicates that as soon as they learn to use money they can learn fundamental principles about managing it. Advertisers work to create desire for their toys and other products. Since children are exposed to advertising and experience desires for various material goods, it makes sense for them also to begin learning about money management. Understanding basic monetary concepts can be a valuable blessing that lasts a lifetime.

51. Dover Community News: Family Matters An Allowance Can Teach Money Management Ski An allowance can teach money management skills. By Sarah McQuade Sarahmcquade@aol.com. If you assembled a group of 10 parents and http://www.seacoastonline.com/news/dover/d4_2fam.htm

Dover, NH Friday, April 2, 2004 Portsmouth Herald Exeter News-Letter Hampton Union Rockingham News ... Seacoast Yellow Pages. Dover News Today's News Archives Cartoons Classifieds ... Weather Public Records Obituaries Births Port. Herald News Business Maine News Sports ... Spotlight Weeklies Ex News-Letter Hampton Union Rock. News York County ... York Weekly Entertainment Concerts Datemaker Dining Exhibits ... TV Times Tourism Attractions History Parks/Beaches Photo Gallery ... Summer Events Local Resources Churches Event Calendar Real Estate Local Links ... Yellow Pages About Us Advertising Circulation Comm. Printing Contact Info ... Submit Forms An allowance can teach money management skills By Sarah McQuade Sarahmcquade@aol.com If you assembled a group of 10 parents and asked for their feelings on allowances, you would likely get 10 wildly varied opinions and a fist fight for your trouble. Allowance is a sore subject in many homes for those who give and those who receive alike. Many parents will say kids shouldn’t be paid for doing what needs to be done for the good of the family, and in many ways I have to agree. I think kids need to know there are things we do because they have to be done, things that are not fun and offer no reward in terms of money or property. Having said that, I think a small allowance offers valuable lessons about money, work, and independence — whether the allowance is related to specific chores or not. While my kids dust and sweep because the dusting and sweeping need to be done, they also receive pocket money to spend as they feel necessary. We don’t have a chore list, and I’ve never made a correlation between any specific activity and receiving money. I don’t hand them cash — I keep track of their balances so they only think of it when something important comes up. They know that because they are mostly well-behaved and do most of the things I ask of them, they will have the funds to do the things they want to do when the time comes. As they get older, I’ll start giving them some cash every week, gradually relinquishing control to them completely. There are several things I’m hoping to teach them with their biweekly allowance, and they get more complicated as they get older.

52. Armchair Millionaire: Teach Your Children Well - Jan. 6, 2004 And teach them how to use it wisely and pay it off each month. –Michelle. income of their own in order to learn their own reallife money management lessons. http://money.cnn.com/2004/01/06/pf/armchair_teachkids/

CNN/Money Web Autos Real Estate Money's Best Home ... Real-time Quotes CNN/Money Email newsletters Mobile news Money archives Buy story reprints ... Find a Mortgage SPECIAL OFFER Your Money Teach your children well It's more important than ever to instill sound financial habits from an early age. January 6, 2004: 9:48 AM EST By Lewis Schiff, Armchair Millionaire NEW YORK (CNN/Money) - Dear Armchair Millionaire: My parents were terrible teachers and role models when it came to money. I have my own kids now and don't want to make the same mistakes. What should I be teaching them about money? C.P. Dear C.P, It's a constant challenge for parents to prepare their kids well to manage money on their own. Unfortunately, it seems that many young adults are really not prepared at all according to the Consumer Bankruptcy Project, a staggering 94,000 people under the age of 25 declared bankruptcy in 2001. We asked members of the Armchair Millionaire community for their opinions on what's most important to teach kids about money and heard a wide range of ideas. Here are just two: "Children need to learn about delayed gratification and goal setting, and to be given money choices early in life." Ken

53. Low-Cost Ways To Educate Children On Money Management KS Logo, teach Your Children Well LowCost Ways to Educate Children on money management. advertisement. Source. American Collectors Association via PR NEWSWIRE. http://www.kidsource.com/kidsource/content2/news2/saving.money.html

Teach Your Children Well: Low-Cost Ways to Educate Children on Money Management advertisement Source American Collectors Association via PR NEWSWIRE Forums Education and Kids Raising our Kids Related Articles Summer Home Learning Recipes for Parents and Children Grades 6-8 Helping Your Child Learn Responsible Behavior Information and news releases furnished by the members of PR Newswire, who are responsible for their fact and content. MINNEAPOLIS, Jan. 20, 1997 Financial planners, parenting professionals and family advisors everywhere are touting the need to educate children on financial facts of life. Among other advice, these groups recommend: opening mutual funds in your children's names, buying them shares of stock in their favorite companies, and above all giving 'em an allowance. With personal bankruptcies sitting at more than a million per year, consumer debt rising faster than income, and a steadily weakening economy in some parts of the country, many parents are finding themselves in financial straits and unable to afford these expensive lessons in fiscal responsibility. That doesn't mean that school's out. There are ways for financially strapped families to incorporate lessons on spending and using money wisely into their children's everyday life without additional expense. Following are some inexpensive money management lessons from the American Collectors Association.

54. Bankers To Participate In National Teach Children To Save Day teach Your Children Well LowCost Ways to Educate Children on money management Helping Your Child Learn Responsible Behavior with activities for children http://www.kidsource.com/kidsource/content3/news3/kids.savings.k12.3.html

Thousands of Bankers to Participate in National Teach Children to Save Day advertisement Source American Bankers Association via PR NEWSWIRE Forums Raising our Kids Related Articles Teach Your Children Well: Low-Cost Ways to Educate Children on Money Management Helping Your Child Learn Responsible Behavior with activities for children Information and news releases furnished by the members of PR Newswire, who are responsible for their fact and content. KidSource Store Raising Readers: Helping Your Child to Literacy Everybody Has a Body : Science from Head to Toe/Activities Book for Teachers of Children Ages 3-6 Advertisement WASHINGTON, April 15, 1997 On Thursday, April 17, "National Teach Children to Save Day," 2,500 bankers will make 5,000 presentations in elementary school classrooms across the country to teach children how to save money. "Bankers are committed to investing in the future of children because we want them to be able to make smart financial decisions throughout their lifetime," said American Bankers Association Executive Vice President Donald G. Ogilvie. "Education and money management skills are keys to a better life." The ABA Education Foundation declared "National Teach Children to Save Day" as a way to show banking industry support for teaching children money management skills and encouraging them to save money for the future. In 1996, Americans saved only 4.9 percent of their disposable income, compared to 1970 when they saved 8 percent.

55. Press Release - Summertime Is A Great Time To Teach Money Skills To Children If your teenager is taking on a summer job, now is a great time for parents to teach valuable money management lessons, suggests Stacey Roberts, financial http://www.lssmn.org/press/press_summer_kids.htm

FOR RELEASE JUNE, 2000 CONTACT: Jackie Nelson Lutheran Social Service Summertime Is A Great Time To Teach Money Skills To Children (June, 2000) With today's labor shortages, there are ample employment opportunities this summer for high school students who want to earn some extra money. If your teenager is taking on a summer job, now is a great time for parents to teach valuable money management lessons, suggests Stacey Roberts, financial counselor with Lutheran Social Service. Roberts said that the JumpStart Coalition for Personal Financial Literacy indicates most high school seniors lack basic skills in all aspects of personal finance, including checkbook management and use of credit cards. "While most people learn about money management through trial and error," said Roberts, "it doesn't have to be that way. The sooner children learn about financial responsibility, the better off they will be as they grow older." Roberts suggests that parents follow these steps as they help their children learn how to be wise money managers: Set goals.

56. Kiplinger.com - - Teach Daughters Financial Independence - March 6, 2003 All kids learn about money from adults, and parents have a responsibility to teach both sons and daughters good moneymanagement skills. http://www.kiplinger.com/columns/drt/archive/2003/dt030306.html

SEARCH STOCK PRICE /tr> Find Stock Symbol About the Archive HOME PAGE Today’s columns, news and more BASICS Build your financial know-how INVESTING Tips and tools for your portfolio YOUR FINANCES Latest rates and money-saving tips PLANNING Put your financial goals into action SPENDING Research home, car and other purchases TOOLS Calculators for financial decisions COLUMNS Advice and commentary from Kiplinger's experts COMMUNITY Ask a question or answer one EMAIL UPDATES Sign Up! PUBLICATIONS Subscribe, renew, buy books and software CONTACT US Customer service, feedback, letters to the editor ABOUT US Company privacy and advertising info Kiplinger Store: Try a free issue of Kiplinger's Personal Finance magazine Planning: RETIREMENT COLLEGE BUDGETING ... ESTATE PLANNING GETTING STARTED Look at Cash Flow Calculate Your Net Worth Set Your Goals Build Your Budget ... More... BUDGETING TOOLS Should I pay off debt or invest in savings? How much am I spending? What will it take to pay off my balance? Cost-of-living comparison calculator ... Can one of you afford to quit? Recent Columns Saving with Upromise - June 10, 2004

57. Consumer Connection: ABA Education Foundation - Financial Literacy Products series offers principals of money management and banking services. Bring them to classrooms teachers and students love them! Use with teach Children to Save http://www.aba.com/Consumer Connection/ABAEF products.htm

Thursday, June 10, 2004 Card Policy Council Mutuality Advisory Council Securities Association: ABASA Insurance Association: ABIA ... Issues Index ABA Education Foundation Consumer Connection CONTACT: 1-800-BANKERS Email: EduFoun@aba.com Contact ABA ABA-Member Relations 1120 Connecticut Ave, NW Washington, DC 20036 1-800-BANKERS Questions? E-mail: Member Services Financial Literacy Products and Programs from the ABA Education Foundation Teaching personal finance to the next generation makes good business sense. The ABA Education Foundation, a non-profit subsidiary of the American Bankers Association, is committed to developing and providing education programs that lead to financial literacy. Use our products to remain relevant to current customers and engage potential customers. It's the right thing to do ... and it's good business. A Perfect Fit With America's Promise Consumer Education Booklets Budgeting, Credit, Saving NEW to the series — Checking Accounts ( in English Help your customers learn the basics. Our popular series presents money management concepts for beginners of all ages in easy-to-understand language. Worksheets are included to help consumers make plans, set goals and take control of their personal finances. Available in English or Spanish.

58. Press Room: 012703ntcsd teach Children to Save Day is sponsored by the nonprofit American Bankers Association Education Foundation, which works to improve personal money management http://www.aba.com/Press Room/012703ntcsd.htm

Thursday, June 10, 2004 Card Policy Council Mutuality Advisory Council Securities Association: ABASA Insurance Association: ABIA ... Issues Index General PR Contact ABA Public Relations 1120 Connecticut Ave, NW Washington, DC 20036 1-800-BANKERS Questions? E-mail: PR Contact ABA ABA-Member Relations 1120 Connecticut Ave, NW Washington, DC 20036 1-800-BANKERS Questions? E-mail: Member Services NEWS RELEASE 2003 ABA Media Contact: Catherine Pulley E-mail: cpulley@aba.com BANKERS CAN TEACH KIDS THE FINANCIAL FACTS OF LIFE ON NATIONAL TEACH CHILDREN TO SAVE DAY Seventh Annual National Teach Children To Save Day is April 10 WASHINGTON, Jan. 27 – Bankers can connect with youth and help them build a financial future on National Teach Children to Save Day (NTCSD) a program sponsored by the American Bankers Association Education Foundation (ABAEF). NTCSD will be held on April 10 On this day, bankers make presentations to students in kindergarten through 12 th grade. Presentations include games and activities about the concept of saving, how interest makes money grow, how to budget and determine needs and wants. Since NTCSD began in 1997, nearly 12,700 bankers have made more than 25,000 presentations to some 609,000 students.

59. Kids And Money : A Hands-On Parent's Guide To Teach Children About Money Managem Kids and money A HandsOn Parent s Guide to teach Children About money management and Business Basics. Michael J. Searls, Todd Clary (Illustrator). http://www.cyberhaven.com/businessbooks/investing/0964826585AMUS36838.shtml

The Offshore Library The Offshore Entrepreneur Swiss Investing The Investor's Library ... Retirement Havens Search for: Books Magazines British Books British Magazines Keywords: Kids and Money : A Hands-On Parent's Guide to Teach Children About Money Management and Business Basics Michael J. Searls, Todd Clary (Illustrator) European users may wish to browse Amazon.co.uk Business and Finance sections The Offshore Library The Offshore Entrepreneur Swiss Investing ... Retirement Havens Special Recommendations: The Conservative Wealthbuilder: Capital Preservation Through Global Investing Using Offshore Annuities, Trusts, and Portfolio Bonds Swiss Bank Accounts and Investment Management: Your Own Completely-Legal, Super Safe, Tax-Free Offshore Account And Not Even the IRS Has to Know Gold, Freedom, and Free Markets: Economic Philosophy for Prudent Investors

60. AIE: Internet Resources victim of credit fraud. It also offers teacher resources for grades 36 and games designed to teach kids about money management. http://www.adventuresineducation.org/links/links_manage.cfm

MIDDLE SCHOOL HIGH SCHOOL COLLEGE PARENTS ... AIE HOME INTERNET RESOURCES Develop Career Goals Standardized Tests Find the Right School Apply to College ... Finance Your Education Managing Your Money Credit and Debt Management Tools and Calculators Glossaries Early Awareness ... State Education Resources MANAGING YOUR MONEY Your transition from school to the real world may be one of the biggest adventures of your life. But don't fret. The key to making good decisions and choices is to have all the information you need. That's where we come in. The following list of web sites will bring you to the information you need to make sound decisions about what works for your personal financial and money situation. Pick out the categories that interest you in the list in the sidebar at left. You'll find summaries for each site so you can easily select the ones that fit your needs. Take some time to browse the list, click on those that look interesting, and come back often to gather more information. If you know of additional sites that would be of interest, please let our Webmaster know about them. Thank you!

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