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Teach Teens The Skills Of Money .pdf



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TEACH TEENS THE SKILLS OF MONEY

TEACH TEENS THE
SKILLS OF MONEY
https://goo.gl/iHAbi3

RAISING MONEY SMART KIDS
It's never too early to begin teaching your kids about the value of money. But
where do you begin - especially if your own money-saving habits haven't been the
best? Following are some tips to help you get your children started.
1) Provide an allowance. Age six or seven is a common starting point. Before
receiving an allowance, kids should: be able to count, add and subtract, be
familiar with the different coins and bills, show an interest in money or spending.
2) Set an example. Show your child how you've created your household budget
and involve your child in shopping. Create a shopping list together - then stick to
it.
3) Teach children to comparison shop. Go online to research prices at different
stores. Instruct kids to keep receipts so defective items may be returned.
4) Limit TV time. The constant messages buy, buy, buy everything from fast food
to toys can take a toll on a parent - and a child's - wallet.
5) Take a trip to your local bank or credit union. Even five-year-olds can benefit
by opening their own savings account.
6) Make teens responsible. By buying some of their own clothes and other
necessities, teens may better appreciate how much things cost.

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TEACH TEENS THE SKILLS OF MONEY
7) Set short-term goals. Five- or six-year-olds might save for a five-dollar toy that
they can get in just two or three weeks, while 10-year-olds might save for a
larger-cost item over several months. When kids feel the power of delayed
gratification, it teaches them that they can set meaningful goals.

Use The 10 - 30 - 30 - 30 "Percent System"
Many financial professionals recommend using the "10 percent - 30 percent - 30
percent - 30 percent" system to help your child split up any money he or she
earns or receives. Show your child how to divide the money and put it in four
separate jars. Here's how it works:
1) 10 percent Charity - Take 10 percent off the top to share.
2) 30 percent Quick Cash - Use this 30 percent for instant gratification.
3) 30 percent Medium-term Savings - Save this 30 percent for 1-6 months to
purchase something special.
4) 30 percent Long-term Savings - Use this 30 percent for important things in the
future, such as a college fund.
Giving Back While some families tithe or require their kids to set aside part of
their allowance for charitable giving, other activities can also make an impact on
children. Here are some suggestions to help teach kids the value of giving back.
1) Designate a container in which your children can deposit their loose change.
When the jar is full, they can donate the money to a charity.
2) Ask your kids to help choose a gift for a holiday toy drive.
3) Have your kids round up clothes they've outgrown or toys they no longer play
with. Take them with you when you donate the items to the Goodwill or Salvation
Army.

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TEACH TEENS THE SKILLS OF MONEY
4) Remember that charity involves gifts of time as well as money. Encourage your
children to offer their services (without pay) to help the elderly or water plants
and feed pets for vacationing neighbors.

A PARENTS GUIDE TO PRE-SCHOOL NUTRITION
A growing child needs to ensure that they receive the right amount of vitamins
and nutrients from their diet in order for them to develop fully and reach their
potential. Excellent dietary habits started as a young child can have a positive
effect on how a child develops socially, emotionally and physically and will give
them a far better chance of avoiding them becoming obese, which has been
identified as a key concern amongst medical staff who have witnessed an
increasing number of obese children coming into pre school or nurseries in the UK
at a younger and younger age.
So what can you do as a parent to ensure that your child is receiving the right diet
at nursery? The first step of course, is to examine what exactly is the 'right' diet
for a child between the ages of 2 and 5, as this is something of a contentious
issue.

WHAT THE EXPERTS SAY ABOUT PRE-SCHOOL NUTRITION
Assuming your child is now eating a diet similar to the rest of the family and is not
still being bottle fed, it is fair to assume that a child's diet should consist of 3
meals a day and 2 snacks during the day.
Experts have suggested that a growing child needs no more than 16 ounces of
milk or dairy products each day and that 100% fruit juices should be kept to 4-6
ounces per day. The reason for this is that dairy products tend to be high in
saturated fat, excess consumption of which can lead to obesity, and excessive
consumption of fruit juices has been found to be a leading cause of tooth decay as
well as adding excess sugar into the body, the excess of which is stored as fat in
the body.
Your child's diet should only consist of a minimal amount of;
 Sweet Desserts
 Soft Drinks
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TEACH TEENS THE SKILLS OF MONEY






Fruit Flavoured Drinks
Sugar Coated Cereals
Crisps
Sweets
High Fat/Fried food

While experts may disagree on what proportion a child should each of the
different types of food groups that are nutritious and beneficial, there are certain
general rules of thumb that parents of nursery age children should follow. Namely
that their child should;
 Eat a wide variety of foods and be encouraged to try as many different
foods as possible.
 Ensure that they get plenty of exercise
 Choose a diet with plenty of grains, pulses, vegetables and fruit.
 Ensure their diet is low in fat, especially saturated fat and cholesterol
 Ensure their diet does not contain too much sugar or salt
 Ensure that their diet contains enough calcium and iron to sustain a
growing body.
Although this may sound unnecessarily complex, a great deal of dietary habits is
now viewed as simply a matter of common sense for most parents and if their
child is encouraged to eat healthily and exercise, they can avoid some of the
problems that manifest themselves at increasingly younger ages. Such as obesity,
diabetes, lethargy and tiredness in nursery and bone weakness.

WHAT YOUR PRE-SCHOOL, PLAYGROUP OR NURSERY SHOULD
PROVIDE FOR YOUR CHILD
Assuming you are setting a fine example at home to your child by providing them
with a diet which matches the requirements stated above, what can you do to
ensure that your child is receiving the best possible nutrition when they are in
attendance at nursery or pre school?

1. SK DIRECTLY ABOUT THE FOOD ON OFFER AT THE NURSERY

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TEACH TEENS THE SKILLS OF MONEY
When you visit a nursery, go prepared with a series of questions you want
answering. One of these should be what the menu for the children in their care
on a daily basis is. The nursery leader should be able to tell you exactly the diet
that they offer the children and they should reassure you that the diet is
nutritionally balanced. Many nurseries in the uk will have their own menu
available which will outline not only what the children eat, but also how they
prepare the food, who it is prepared by and how they source their food to ensure
that it is not only nutritious but as fresh as possible. It is also worth asking if the
nursery have water and/or fresh fruit available throughout the day for the
children to snack on.

2. ARRANGE A VISIT AT MEAL TIME
If you are concerned about your child's dietary habits, or just would like to see the
kind of food on offer at a nursery you are considering placing your child with, why
not ask to arrange a visit at meal times? It is even better if you can bring your
child with you and they can then see other children eating the meals and how the
nursery staff organise meal times. It may also be reassuring for you to see how
the nursery staff are organising meal times, how they deal with children who are
'fussy eaters' and how cleanliness should be a priority for the children.

3. IF YOU ARE GOING TO PROVIDE YOUR OWN MEALS, SPEAK
WITH THE NURSERY FIRST
Many parents choose to send their child to nursery with their own packed lunch /
tea so that they still control what their child eats. Most nurseries have no
problems with this, but you should speak with the nursery owner first to ensure
that this will not be a problem. Many UK nurseries and playgroups are keen to
promote healthy eating and will ask parents to ensure that the packed lunch
provided for the child fits in with their policy on healthy eating.

WHAT TO DO IF YOUR CHILD IS A 'FUSSY EATER'
A common worry for parents who send their children to nursery is if their child is
a 'fussy eater'. Most parents like to know their child has eaten well and healthily
during the day and if they are not, then it can cause stress and worry to parents.
The key issue here is not to panic. All children are different and will want to eat
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TEACH TEENS THE SKILLS OF MONEY
when they feel like it. Your nursery staff will have plenty of ideas and strategies
on how to make the fussiest of eater sit and eat at least some of their meal. If
there are issues, then they will speak with you about it at the first available
opportunity and together you can resolve the issue with the assistance of your
nursery staff and your child.
Nutrition is important for all children and thankfully nursery schools, playgroups
and pre schools do take this responsibility very seriously and will offer every
available opportunity to ensure that your child, regardless of their age, gets the
healthy, sustaining meals that they require on a daily basis.

NEW PARENTS GUIDE TO SUCCESS - A MUST-READ
Congratulations! God has recently given you the greatest. The gift of a new life!
After going through 9 months of pain, labor and much of tension you finally have
the result in your arms sleeping peacefully. But as you take the baby home, new
parents like you feel that they are at a loss as to how to care for them and nurture
them. So here is presenting a guide for the new parents:
Firstly for the initial few days consider hiring professional help. The last few
months have been quite hectic for you and it will not be easy for you to fell
energetic enough to take good care of your baby that too with much enthusiasm
just now.
 Secondly there are several things that you need to keep in mind when
handling your newborn.
 Make sure that you have washed your hands with a hand sanitizer before
you hold your newborn
 Always make sure that your baby's neck and head are well supported
 Be very careful. Do not shake your baby's head under any circumstance.
Not even while playing. This can cause bleeding in the brain and may also
cause death.
 Always ensure is securely fastened whether it is in a carrier or a car seat.
 Understand that it is not time yet for you to engage your newborn into
games of any kind. Do not jiggle them in the knee or throw them in the air
just now
 Third tips. This is for the new dads out there:
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TEACH TEENS THE SKILLS OF MONEY
 Get ready. For the initial few months the baby will have higher priority over
you in your wife's life.
 Help your wife in taking care of the baby. Understand that is her first time
as well. So she is as inexperienced as you are. Help change the diapers or
take turns staying up.
 In this period of time your wife undergoes a number of emotional ups and
down thanks to her postpartum blues. The person she needs the most
during this time is you. Do support her, tell her how beautiful she is, how
great a mother she will be and kindly ignore if she loses her temper on you.
Finally for the new moms:
 Firstly sleep whenever you get the opportunity to sleep. This is because lack
of sleep will reduce your energy levels and not let you take care of your
baby properly
 Slow things down and make your life simple for the initial few days.
Consider cutting down on the number of responsibilities you have upon you
 Accept help. Talk to your spouse about the problems you are having, both
emotional and physical. This will not only help you cope up with
motherhood but also make him feel wanted.

FREE TIPS FOR PARENTING
TODDLERS & THE TERRIBLE
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Page 7

TEACH TEENS THE SKILLS OF MONEY

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BEYOND
LAW OF ATTRACTION FOR KIDS
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NEW PARENTS GUIDE TO SUCCESS - A MUST-READ

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