A lot of teens today do not understand the value of earning and spending money. They were not taught; that investing is necessary. Although they may still be students. Parents, you play a crucial role in this area. You should be able to teach your kids how to save money. They should be able to understand the concept of money and investment as early in childhood as possible. This will prepare them to learn money management, as they grow old. Here are some tips on how you can teach your children to save money: 1. Your children should be educated of the meaning of money. Once your children have learned how to count, that is the perfect time for you teach them the real meaning of money. You should be consistent and explain to them in simple ways and do this frequently so that they may be able to remember what you taught them. 2. Always explain to them the value of saving money. Make them understand its importance and how it will impact their life. It is important that you entertain questions from them about money and you should be able to answer them right away. 3. When giving them their allowances. You need to give them their allowances in denominations. Then you can encourage them that they should keep a certain bill for the future. You can motivate them to do this by telling them that the money can be saved and they can buy a new pair of shoes or the toys they want once they are able to save. 4. You can also teach them to work for money. You can start this at your own home. You can pay them fifty cents to one dollar every time they do extra work. I say extra work, because they should be expected to contribute to the family in some way. If you pay them for doing their regular chores, they will miss the meaning of family helping each other. This concept of earning a little “extra” money will make them think that money is something they have worked for and should be spent wisely. (As a side note, you could always deduct “taxes”. This will help them learn about how we support our government. (The “taxes” can be put into a special fund for their future use). 5. You can teach them to save money by giving them piggy banks where they can put coins and wait until they get full. You can also open bank accounts for them and let them deposit money from their allowance. I know, I know. They would never earn enough interest on their money to be able to show them any benefit to a savings account. But you can take this money and invest it in an IRA like account. Giving them the chance to learn about stocks, bonds. Mutual Funds, etc. You should always show them how much they have earned to keep them motivated. Money and saving is not something that is learned by children in one sitting. You should be patient in teaching them and relating the value of money in all of their activities. Children will learn this easily if you are patient and consistent in guiding them and encouraging them in this endeavor. Views: 391
Tag: Money
Protection Scheme
Remember on TV when the gangsters demand money from the store keepers to PROTECT them. Of course the shopkeepers were paying to keep the gangsters from smashing, or burning their establishment. Probably still do. Here is an example of another protection scheme, This one by the upright citizens of a small town in Tennessee. Imagine, if you will, watching everything you own going up in smoke. Now imagine the local firefighters with their trucks and equipment sitting there watching it also. That is exactly what happened in Tennessee. The family in this small town near the South Fulton Tennessee fire department, watched as their mobile home and belongings went up in flame. Why? Once again it was because the home owner did not pay the subscription/protection, fee. We saw this once or twice before. I understand the fire department had to go out of their usual confines to answer the call. They did respond in the event of human peril. Here is the catch. The fire department needs the money to keep it’s facilities and equipment up to date. These fees offset that need. The FD could just charge…..say $150.oo for these outside calls. But then there would be no need for anyone to pay the $75.oo annual fee. I vote for the $150.oo or so per trip charge. After all this is not like it is an everyday thing. Here is my dilemma. As a member of the human race, with the proper training, be able to just stand (or sit) and watch another person’s life belongings, go up in fire. NO! I couldn’t. But apparently the firemen of South Fulton Tennessee, have no problem with this. I guess that will teach the outsiders. Pay Up! or lose it. One last question before I close. I realize it was just a trailer home. But has anyone assessed the fire department a fine for, in my mind, violation of the EPA code. Surely a public minded group like a fire department, is concerned with AIR POLLUTION. Should they not have done their part to prevent this polluted air. That Is How I See It. Views: 334
NBA Strike. Fans Strike Back
The Bible has the 10 Commandments. One of those commandments is “Do Unto Others As You Would Have Them Do Unto You”. I am asking you to do this for the NBA. Neither the owners or players, took into account the fans wishes when they entered into this STRIKE/LOCKOUT. Causing the Die Hard fans anguish. With little or no regard. I admit I am not a Die Hard Fan of the NBA, only rarely watching a portion of a Professional game. I think everyone should GO ON STRIKE/LOCKOUT against the NBA. No one should attend or watch on TV or listen on Radio. The same number of games you have been deprived of by the on going actions of the NBA. It only sounds fair to me. But, alas the fans are weak and will give in willingly to the NBA machine. It’s Time for the fans to retaliate, and make a stand. Passing the message to Professional sports that the FAN also has a say in these matters. It is only fair. STRIKE back LOCKOUT the NBA. That Is How I See It. have been Views: 574
Government Seeks More Of Your Money
It must be that time of year. Companies are talking of more layoffs. According to news reports the RICH widening their gap between them and the middle class, which must mean the poor are getting poorer. What we have doesn’t buy what it did a year ago. One area I read about is trying to kill itself. Earlier I wrote of a community in Indiana who charges parents for their children to ride to school. And to participate in sports. Now I see they are wanting to raise fees for just about everything, and put new fees on anything they can find. NO wonder people are looking to move away. Perhaps this is an attempt to weed out the poorer class (perhaps including the middle class), and establish a community of upper crust citizens. I just read that Illinois citizens have built the WHITE SOX owners a new BACARDI restaurant, at a cost of millions. By the way the taxpayers receive no share of the profits of this restaurant. It all goes to the owners of the White Sox baseball team. BUT we all know that movie theaters make most of their money from concessions. I just read that in Washington D.C. The mayor wants to tack on an extra tax for concession. They already pay 10% tax on concessions. As I understand, which is quite high. BUT to add another 5% and raise the tax to 15%…..well isn’t that a little greedy? Not to mention the less people will be able to attend, and may put the theaters out of business. Thus a loss of revenue from the property, and business tax, let’s not forget the current 10% tax on concessions. I think their reasoning is flawed. They intend to use the money to lure movie production companies thus creating jobs. Am I wrong if less people go to the movies because they can’t afford the concessions, there will be more demand for movies to be made. I know now in my town for 2 of us to go to the movies cost about $20 this is more than the average wage. But get this for one medium Coke and medium popcorn add another $20. That is why we have began driving 2o miles to another town that costs us about $12 on a Sunday afternoon, to get in and about $10 dollars for a medium Coke and medium popcorn Oh for the good old days when we had drive in theaters. One night I think it was Monday was carload night. you could take your whole family to the movies for about $2, You brought your own popcorn and Cokes. Yet the concession stand was always crowded with people buying hot dogs, hamburgers, etc. Well I guess it is getting close to Christmas. What better time to lay people off and raise taxes, fees, etc. That Is How I See It. more than between Views: 165
Election Mud
Welcome to the MUDSLIDE. Election time is here. At least local elections. It truly amazes me how these politicians, these public figures, these people with college degrees, who have other people with college degrees revert to a a kindergarten mentality. I apologize to you kindergartners, as you are probably more advanced than these so called leaders, and their think tanks behind them. If you listen to their ads you will learn that each one is a perfect fit to represent you. they have never made any mistakes, or miscalculations, if you will. But their opponents have done NOTHING right. The one I have been listening to in particular, (because one of the candidates apparently has more money than Bill Gates. Every ad is centered on what the incumbent has done wrong. The poor guy must have have been kidnapped by aliens as he has not fulfilled a single promise he made that got him elected. I assume he will be returned after this election is over. Meanwhile I can remember when the other candidate was in office as an assistant for the job she is running for. They didn’t accomplish anything, and did exactly all the wrong things she is accusing the now incumbent of doing. Probably those same aliens grabbed her during her reign and brought her back after her term. The way I see it these alien abductors erase all memory of them being gone, and the being that replaced them returns to outer space. What I would like to hear is WHAT ARE YOU GOING TO DO. NOW!!! If I vote for you. We have problems both economic, and political, as well as dozens of other smaller problems. What are your plans to ease unemployment, school budget cuts, etc. Perhaps I just miss these positive ads. But it could be that there are either none or very few. Maybe I am so far below your intelligence level that you don’t know how to communicate to me. Or perhaps I am just to poor to understand the ECONOMIC ramifications. Living at or below poverty level. What could I know about economics. Enough of the supposed history of the clients. It’s time to look to the future. The pass is passed. (Although the past performance should be considered), Since you millionaires running for office have nothing in common with me. TELL me what your answers are for the future. What the heck are you going to do to correct these past errors. Apparently you have no ideas on the FUTURE or you could promote them. Not bash your opponent. That Is How I See It have been they have Views: 288
Obama On A Genocide Mission?
Gen·o·cide [jen-uh-sahyd]: A noun. The deliberate ans systematic extermination of a national, racial, political, or CULTURAL GROUP. Since Mr. Obama has taken office it seems he has pinpointed the elderly as the means to balance his budget. Or should I say slant things to his pet projects. What do you do if you want to spend money you don’t have. You eliminate things you don’t need. Divert that money to what you want. That my friends is just what Mr. Obama has done. First on his agenda was to bail out his buddies in the banking, and manufacturing industries. (Rich helping Rich get Richer). To do this he refused to admit the costs of living rises (Medicinal, Utilities, and yes gasoline) . He even wants to change the formula for figuring these costs, because he says they project a false and higher cost of living than is a true cost of living . Therefore not giving the elderly the raises they deserved, since he has been in office. To subsidize his buddies, the elderly have, by not getting a raise for 2 years. Has amounted to between $45 and $90 trillion dollars. That more than paid the trillions given to the bail out effort. These people have paid into this account for 40 to 50 years. It is not their fault the Government gave that money to other Government agencies. (Which fail to pay it back. let alone pay interest). merely a mismanagement of funds. Some of you will think the amount paid in does not equal the amount paid out….HOWEVER… Let us not forget the INTEREST which this money had been properly invested. How many of the people who have paid in never receive a check, because of death. Or just drop out of the system. How much of this money is being spent on people who never paid in a cent. How about planning our own retirement income. I did this. I invested the maximum I could. Two years later it was all gone. My company shut the doors, Not my fault. Due to EMERGENCIES, and the need to get by until I could find another job, (which has been 3 years now). I have no money. The barter system works fairly good but I still have to do without a lot, So you see that doesn’t help either. So how does this relate to GENOCIDE? By denying the elderly people the money needed to exist on. The poverty level is $10,890 a year. If I were to be on Social Security now I would be getting about $13,800 a year. But as of now I would have about $1392 a year subtracted before I get my check for MEDICARE, Which I have also been paying for all my working life. That takes me to $12,408, a year. Now let us not forget we need a supplement insurance. This cost is around $125 a month (according to friends paying it). This is another $1500 gone. Leaving us with $10,908. This puts you at just $18 above poverty level. Now subtract a conservative average of $600 a month for rent or mortgage. There goes $7200. Let’s see, that takes us to $3708 dollars to pay utilities, and buy food, house or renter insurance, life insurance and let’s not forget MEDICINE, Car insurance if we are lucky enough to have one. But then you would not be able to put gas in it. And let’s not forget we have to pay SALES tax on everything. Including our utilities. It seems that Mr. Obama’s plan is eliminate the elderly as quickly as possible. After all they are a drain on his economy. Genocide or what. I see it as an attempt to eliminate the elderly. That Is How I See It. How many people do we have die of starvation or heat, or just plain a lack of compassion by our leaders. more than between find merely find find Views: 180
Parents Must Pay For Bus Ride To School
Franklin Township in central Indiana sold school buses to an independent firm for $1. Now parents of the children in this district have a choice to make. Take them to school, and pick them up. (Which would have been impossible for me as a working single parent). Let them walk in the dark of the morning. Dark because Supreme Ruler Mitch Daniels, deemed Indiana, a state which lines up in the CENTRAL time zone, observe ATLANTIC time (AKA Eastern DAYLIGHT SAVINGS time). Which puts Indiana residents 2 hours ahead of the sun. Thus children walking in the dark to school. Or, PAY about $475.oo a year for the first student in the family, with a discount for other children of the family. From what I read a family of 2 students will pay $900.oo So, the way I figure it the rest of the families students ride for $425.oo each. That means a family who is either living on unemployment, or welfare, or working and earning the minimum wage will really have little choice, but to make them walk, and risk being kidnapped. Hit by a car or truck or/and harmed in some way. Heck it would be a drain on any family. By the time you clothe, and pay at least a couple of dollars for school lunches, extra curricular fees, and book rentals. Plus the BUS fee of approximately $50.oo, per sport, per student participant imposed on them. This all started when the Franklin Township school board decided they wanted more money than was available and wanted to raise taxes. The referendum was voted down. So, it seems to me their reaction, was an immature…We’ll make you pay one way or the other! Other schools, faced the same cost cutting measures, and most have met the cuts needed without any repercussions. The most penalties, school districts have made is a modest bus fee for sports, and extra curricular activities. But in some areas the business people have donated the money to cover those fees. A pride in their communities. Some schools/sports are putting on charity events to cover these costs. These are public schools using tax payer money. What effect will this have on the community? Will people move away? Will business close due to lack of customers, or workforce. With a drop in enrollment also comes a drop in state funds. The formula is so convoluted, I’m surprised a lawyer can figure it out. But the way it seems to me, a smaller school get less money from the state than a larger school. (Which seems a little unfair). Each day or part thereof missed by a student equals a deduction in the amount received by that school. I’ve rambled on too long. What it appears we have here is a very greedy school system which has little empathy with the well being of the community children and a lust for more money. It would serve them right if everyone moved out of their district, (which I know they either can’t or won’t). I believe it is time for the voters, community leaders, and parents, take back the school system. It seems apparent to me the school board has no concern about their students. Will the harm the children face walking to school in the dark. Or the hardship put on families affect the members. Probably not. The only thing that will affect them is a loss of MONIES. Could this happen to your children? Is your community next? That Is How I See It. have been Views: 143
The Best Job
Recently I read about a job I would love to have. Reminiscent of , of I believe the character is Milton, from the Movie Office Space. You remember the poor guy who had his cubicle moved several times. A woman working in Virginia as an office assistant, was suspended for “revealing confidential medical information”. Like Milton they overlooked suspending her pay, and like Milton, The checks just kept coming. True $2,600.oo may not seem like a lot to most people. But I know several people who would like to be making $26,000.oo a year. Unlike Milton, this woman has not set foot in her office or done a lick of work for 12 years. It is unknown if she received benefits. But $26,000.oo times 1 years is about $312,000.oo for staying home. It seems the company recently hired a new supervisor. When she went over budget, she discovered the Human Resource Department’s mistake. She then fired the woman. Now the lady is filing got unemployment benefits, and a wrongful termination suit. Is she entitled to unemployment benefits? I would say so. Does she have a a wrongful firing suit. Again I would say yes. Only on the grounds that she hasn’t had any disciplinary action for the last 12 years. Suspension does not mean FIRED. Morally, though, I have misgivings. Would you have questioned getting pay checks while suspended, if it was not stated “Suspended without PAY’? I guess that is why we have a legal system. That Is How I See It. Views: 114
Obama’s Administration Other Face
As most of you know, for years the war of State Vs Religion has been waged. With the leadership, or backing, however you see it; of the aclu, (Anti Christian Lawyers Union), God is slowly being removed from the USA. The USA was founded on a basis of “FREEDOM OF RELIGION” as I have stated in other posts. (See “Hope You Had A Happy 4th). Our current president (I use the lower case here, as I find it very hard to respect the man elected to lead us). Mr. Obama claims to be a Christian, but actions speak louder than words. (You have all heard that before). What brought about this posting? I was just made aware that, this administration which has had it’s share, or more, of anti Christian moves; HOWEVER, has given $770,000,000.oo to reconstruct Moslem Mosques, in the Middle East. Am I the only one who has a problem with this? This administration with a leader with Muslim ties, an administration who continues to back the loss of our freedoms, an administration that misinterprets, our Constitution, and insists on NO support of any kind of religion, will give this huge amount to support the Muslim religion in foreign countries. We are also supporting them by building their INTERNET system. This is fine with me. I just wonder what the rogue muslims, (note no capital here either, as I do not believe them to be devout muslims), will do with internet access. As an American, I have no problem with Muslims in general, just as I have no problem with the Jews. We all believe in the same GOD, we just have different views of our Messiah, (if you will). Do you see a the other face of our administration? No religion, in USA, Support religion in other countries. They justify this action as “….building foreign relations…” That Is How I See It find find find Views: 614
Cop Paid For Viewing Child Porn
Illinois State cop, (now RETIRED), was arrested and convicted of “viewing child porn; while on duty, and using his state issued laptop computer. I know some government employees get in trouble, maybe even fired for viewing personal emails, on the job. Even in the business world, people are fired for using company computers for personal business on company time. They call this THEFT of time. Anyway what we have here is a blatant misuse of taxpayer time and money. WHY did he turn to child pornography while on duty? Because, he said “I was bored.” So he paid $99 a month for a subscription to the porn site. Used STATE owned property while in a STATE owned vehicle, while receiving a STATE wage; to get his jollies looking at innocent little children doing whatever. Of course he was found guilty. This man who we look to as an example, received the following sentence. Sixty (60) days in jail. Thirty (30) months probation. A fine of $2000.oo, and must register as a sex offender for the rest of his life. THIS is CHILD PORNOGRAPHY folks!!!!. not just your usual smut. Do we have a double standard here? I read of one man charged with distributing Child Pornography, received a 40 year sentence. I agree they are not exactly the same, and the distributor should probably receive more time. But is there that much difference? I think he gets to keep his retirement benefits. From what I could gather there was no mention of this. Oh, yes. He is said to be set free in 4 weeks. Time served, and good time, being subtracted from the 60 days. Just another example of how our police state works. Police are not held to the same standards as you or I. However let us not forget. Police are supposed to be respected, and set the example. I’ll bet the good people of Illinois are not so happy to see their tax dollars at work this way. Do you think a non-government official would receive this light a sentence. NO! I don’t. That Is How I See It. know some Views: 493
