bharata wingham's List: CHILD PARENTING

4. Missing the Opportunity to Motivate Their Savings Habits
 If your kids put money in the bank, match their contributions. I took my kids to our local bank branch when they were 8, 6 and 4 and opened savings accounts for all of them. I matched the money they deposited, using the opportunity to discuss how a 401(k) plan works and why someone should contribute up to the amount of the company match (free money!).

 
 

5. Not Explaining How Plastic Works
 According to a study by Nellie Mae, the student loan firm, the average college freshman has $1,500 in credit card debt, and that figure doubles by the time they graduate. Some 56 percent of college seniors carry four or more credit cards. That's when the real trouble starts, because if teens lose the battle to understand and manage credit cards at 18, the damage can haunt them for years. An estimated 70 percent of employers check credit scores before they hire. Over time, a low credit score will suck tens of thousands of dollars out of your child's pocket when they seek financing for an auto or a home. Consider allowing a teen to practice with a pre-paid, reloadable debit card such as Visa Buxx. It has fewer fees than competing cards and features parental controls—such as setting a weekly cash limit. Parents can also get email alerts showing when and where a teen used the card, setting the stage for discussions about wise spending

<div class="doc cls" id="ylf-blog"><div class="main" id="ylf-blog-main"><div class="cls" id="ylf-blogpost"><div class="post-body cls"><p>lan works and why someone should contribute up to the amount of<br/>the company match (free money!).</p><br/><br><br/><p><strong>5. Not Explaining How Plastic Works</strong><br><br/>According to a study by Nellie Mae, the student loan firm, the<br/>average college freshman has $1,500 in credit card debt, and that<br/>figure doubles by the time they graduate. Some 56 percent of<br/>college seniors carry four or more credit cards. That's when<br/>the real trouble starts, because if teens lose the battle to<br/>understand and manage credit cards at 18, the damage can haunt them<br/>for years. An estimated 70 percent of employers check credit scores<br/>before they hire. Over time, a low credit score will suck tens of<br/>thousands of dollars out of your child's pocket when they seek<br/>financing for an auto or a <a rel="nofollow" target="_blank" href="http://home.ivillage.com/homeoffice/budgeting/0,,ffthwv5c-3,00.html#" rel="nofollow">home</a>. Consider allowing a teen to practice with<br/>a pre-paid, reloadable debit card such as Visa Buxx. It has fewer<br/>fees than competing cards and features parental controls—such as<br/>setting a weekly cash limit. Parents can also get email alerts<br/>showing when and where a teen used the card, setting the stage for<br/>discussions about wise spending.</p><br/><br><br/><br><br/><strong><em>Do you have any fail-proof methods for talking money<br/>with your children? Chime in here and share your techniques!<br><br/><br></em>Related Links:<br></strong><a rel="nofollow" href="http://parenting.ivillage.com/mom/kitchen/0,,8pz8,00.html?par=shine:teachingkids_money:shine" rel="nofollow">Toddlers<br/>in the Kitchen</a><br><br/><a rel="nofollow" href="http://parenting.ivillage.com/mom/joys/0,,ht28,00.html?par=shine:teachingkids_money:shine" rel="nofollow"><br/>Things My Mother Taught Me</a><br><br/><a rel="nofollow" href="http://parenting.ivillage.com/slideshow/parenting/10_ways_that_video_games_are_good_for_kids/?par=shine:teachingkids_money:shine" rel="nofollow"><br/>10 Ways That Video Games Are Good for Kids</a><br><br/><br><br/><br><br/><br><br/> <div class="figure fig-middle" style="width: 96px;"><br/> <a rel="nofollow" href="http://www.ivillage.com/?par=shine:teachingkids_money:shine" rel="nofollow"><img height="96" width="96" 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