Moving Out! for Teens Makes Learning How to be an Adult Fun!

Back by popular demand, parents this summer have the rare opportunity let someone else make sure their teens know exactly what it’s going to take to move out and live on their own.

Most parents admit they wished they’d learned this stuff when before they moved out. This summer, teenagers can spend 3 fun-filled days at Moving Out! for Teens learning how to find an apartment, take care of a car, buy groceries and more and stay within their budget. They’ll also explore different ways to make money, explore the truth about credit cards and oh, yeah, how to manage and grow their money so they can be productive, contributing members of society. Moving Out! for Teens is presented by Creative Wealth International, June 28-30, 2013 in Santa Barbara.

“Every year I get calls from parents all over the United States begging us for our Moving Out! for Teens program.” says Elisabeth Donati, creator of Camp Millionaire,® The Money Game® and founder of Creative Wealth International. “By empowering our teens with the information they need to be fully responsible for themselves when they move out and live in the adult world, we’ve done our best to prepare them to live life fully.

Moving Out for TeensThis 3-day financial and life-skills workshop is open to parents as well (if their teen is willing to have them join in the fun). Participants not only get hands-on experience with things like filing out applications, buying cars and groceries, cleaning apartments and creating budgets, they also get first hand experience from the parents who often share some pretty valuable ‘been there, done that’ stories.

Space is limited to 25 teens ages 14-19. We promise to deliver teenagers back to their parents far better prepared to face the financial challenges of being an adult. For more information, visit www.campmillionaire.com or call Elisabeth Donati at 805-957-1024.

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Kid’s Financial Books – Save BIG!

Hi all…

When I moved a little over a year ago, I put a whole bunch of inventory in my storage unit.I was going through said unit this past weekend and found a bunch of kid’s books I’d like to send your way so YOU can enjoy them and I can, well, clear out my storage unit!

Here’s your opportunity to save BIG on these 3 kid’s financial books. All three are more than just story books…they are powerful tools to start introducing money and the concepts of saving and investing to your children. I have 30 of each at the sale prices so grab them today!

The first two are story books with lessons for 6-9 and the colloring book for any one who loves to color, including adults!

1. It’s a Habit, Sammy Rabbit by Sam X Renick

kids financial story book

 

 

 

 

 

2. Will Sammy Ride the World’s First Space Coaster? 

kids financial story book

 

 

 

 

 

3. Financial Wisdom Coloring Book by Creative Wealth International

financial coloring book

 

 

 

 

If you’re interested in purchasing our Financial Wisdom Coloring Book your students, call us at 805-957-1024.

Happy reading…

Elisabeth…Your Financial Literacy Lady

p.s. IF you haven’t signed you son or daughter up for our summer Camp Millionaire (ages 10-14) or Moving Out! for Teens (ages 14-19) programs, now’s the time to do it!

 

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The School of Life: What I’d Teach My Students if I Started a School

I look around at kids these days, and by kids I mean anyone under 30, and wonder what it is exactly we are teaching them at home and at school?

I know I’m not alone in this inquiry…parents, teachers and adults everywhere are questioning what American children are learning and how to change this as it’s very clear from many points that our education system is failing the majority of American children and must be fixed!

The bigger our world gets, the smaller the realm of knowledge our children seem to have leaving school and home. Teachers are becoming more and more constrained and parents are struggling to influence what is happening in their children’s schools.

Governments are actively trying to solve education problems they have no business or ability solving and must be told to get out of the way.

Teacher’s unions make it all but impossible to get rid of the ‘bad’ teachers and good teachers hands are practically tied when it comes to teaching students in ways they learn best.

Students are taught with methodologies that don’t work…made to sit in desks, listen, take notes and then regurgitate irrelevant information later on a test…that information only to be forgotten right after the test because the student isn’t learning it for any reason…and they know this! (Ask any smart child and they have already figured out that school is just something they need to get through to get on with life.)

Our children aren’t learning how to take care of themselves…emotionally, mentally, physically, spiritually or financially.

They aren’t learning how to think through problems and solve them. And they aren’t learning how to think globally for the most part. Everything is geared toward solving problems individually when in reality, we solve problems best when we work on them together.

The Ultimate School

The Ultimate School

Our children aren’t learning how to have honest, satisfying relationships with others…romantically, socially, professionally. They are having sex at younger and younger ages, not understanding the ramifications of their actions physically and emotionally.

For the most part, they don’t seem to be learning how to be adults, period!

So I got thinking this morning about what I would want kids to learn in MY school if I started one. Here’s what I’ve come up with so far. Feel free to add additional items by leaving your comments!

I’d want them to learn:

  • that life is simply what we make it.
  • that the meaning we ascribe to everything creates our experience of life.
  • that it’s our responsibility to wake up each morning and choose to be happy.
  • that nothing in life is free or guaranteed; you have to work for what you want one way or another.
  • that we aren’t born with rights and we don’t deserve anything…unless we earn it.
  • that money is simply a tool to reach your dreams and that it’s our responsibility to learn how to use this tool wisely.
  • that money doesn’t mean anything about who we are as a person
  • that by taking care of the earth and each other, we take care of ourselves.
  • that getting a job is only one way to bring money into our lives…starting businesses is a great choice as well.
  • that we get one body and it’s an honor to take care of it…and we must take care of it.
  • that tolerance isn’t enough because if you tolerate something, you still have judgments about it. Instead, we’d teach unconditional acceptance.
  • that all races of people are perfect, just the way they are.
  • that they can do without their cell phones and computers for long periods of time and actually focus on something else.
  • that personal discipline is a good thing.
  • how to grow, prepare and cook their own food by working in the school gardens and kitchen.
  • how to clean a house.
  • how to do plumbing and electrical repairs.
  • how to take care of a car.
  • that keeping their school rooms and grounds clean and picked up are their responsibility (no janitors are required in my school except one to supervise:-).
  • that taking advantage of another for any reason is unacceptable.
  • how things work.
  • life skils…if we need it for life, we’ll expose our students to it.
  • how to think through problems.
  • to respond to situations instead of react by thinking first.
  • that their parent’s job is to help them learn how to grow into responsible adults…that means every parent takes an active roll in their children’s school experience.
  • how to develop and maintain loving, healthy, supportive relationships with other human beings.
  • that honesty and integrity are critical for any success in life.
  • that there is no perfect.
  • that the only failure is the failure to participate.
  • that life doesn’t come with a rule book and that you are free to make up your own.
  • to question everything and not simply accept things the way they are because that’s the way they are.
  • ethics…not the difference between right and wrong but how to make decisions between two rights (i.e., friendship and responsibility).
  • that the best way to gain respect from others is to be respectful of others.
  • that TV is not a particularly healthy past-time.
  • that moving one’s body each day is a key to our overall health.
  • that laughter really is the best medicine, and certainly not lastly (I had to stop somewhere so I could publish the blog:-)
  • they will learn the new definition for intelligence (see below)

And all of this would be taught using accelerated teaching methodologies…and students would be able to learn they way they learn best!

Intelligence Redefined

If you think about it, pure intelligence serves no purpose unless it is serves a purpose.

I define intelligence as the actions and choices a person makes that are more toward what’s best for the whole, rather than what’s only best for the individual.

The closer a person’s decision or choice is to being what’s best for the whole, the more intelligent that person is.

The Ultimate School Goal

To help parents raise children who don’t have to ever hire a psychologist or psychiatrist to recover from their childhoods!

OK, now it’s YOUR turn. What else should we teach our children in the new Ultimate School?

 

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Four Success Tips for Teens

To Parents of Teens:

So often, by the time our kids turn into adults, we realize we haven’t given them much guidance on how to be successful out there in the real world of business.

Here are 4 simple things any teen can do today to give themselves a leg up later.

To Teens:

It might feel a little early to think about the “real world” of being responsible for yourself and making your own money but it’s not!

The good news is that there are some really easy, and potentially enjoyable, steps you can take now to make your transition into professional adulthood easier and potentially more successful.

  1. Get an email with your name (real name) in it., i.e., something like “YourName@gmail.com. In the professional world, where you want people to be able to remember you and find you easily, this is an important step towards getting “found”.
  2. Go to GoDaddy.com and buy the URL with your first and last name in it. (www.Your Name.com) All you need is a debit card to purchase the domain for a couple of years. You can put an online resume or portfolio here now and in the future or even a full-blown business at some point.
  3. Create a simple professional LinkedIn profile. Almost all headhunters (people who get paid to find employees for companies) use Linked In these days. It’s good to get on there early and start developing some professional contacts.a
  4. Create a professional Facebook page. Yes, it’s fun to post photos of events and parties and stuff but just know that every potential employer, every potential landlord, even potential roommates can check you out to find out who the REAL you is.

Just some tips from Aunt E and Aunt Jan (aka Elisabeth Donati and Jan Ruskin, authors of Rocks to Riches)

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Ultimate Allowance Questions from Dad

Because I constantly check in with the folks who purchase The Ultimate Allowance, I frequently get questions in my email box about little things (which are always big things:-). Usually they are simple but here are a few I thought I’d share from a dad with three sons. He’s about to start the 8-year old on The Ultimate Allowance and her are his questions…

To start the whole conversation, I invited him to talk to his little guys about companies and why they work or don’t work. I said, “Ask them what other companies work and then have them tell you about the ‘system’ :-). This is a good eye opener:-).”

Here are his specific questions and my answers following them:

1) Who pays outings, e.g., going to the zoo, waterpark, camping trips?

Well, this is PLAY MONEY and is spent from the PLAY JAR and you can either make them responsible for the whole thing (I think you said the oldest was 8?) or I think a better idea is to have him save enough in his play jar for anything he wants to spend. You can make a system for your family where they pay 1/4 or 1/2. Whatever you think would be able to work for all three.

2) What if they want to move money from one jar (category of saving) to other…say sacrifice play money for savings or vice versa?

NO…it’s a system. Go back to the system conversation. Talk to them about the need for play and ask them this question…what would happen with your best friend if you never played with him? He’d go away! Exactly…so does money. Talk about adults who feel guilty spending their money or are so afraid (scarcity belief) to spend their money that they are stressed and never have any fun enjoying the fruits of their labor.

3) When starting with second of three sons, how do you handle hand me downs? The oldest will have bought the clothes so younger won’t need money for that and oldest wont get anything for it.

First, remember that you supplied most of the money for those clothes in the first place so it’s not really like the oldest one bought his own clothes. Second, things just are the way they are. Kids will always want their own clothes by the way…just saying… :-). I wouldn’t worry about that or bring it up.

4. If you realize they need money for other things at the start, do you give more to add to budget?  Once it really gets going you likely can’t because it might defeat the purpose?

I think it’s up to the parent to really think the money through. Yes, you involve the child the whole way, but you’re the one who really knows what you spend on them:-)

Hope that helps. Keep it up! I’m very proud of you!!!

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Changing the Paradigm of Financial Literacy

For decades, if not longer, parents have believed that the only way for their children to do well in life was to get a college degree and then get a nice steady job so they could save up and retire when it was time. This belief continues, even though the world supporting the belief has changed dramatically.

For the kid who doesn’t want to go to college but, instead, wants to be his own boss, the path isn’t as clearly drawn. It’s often these young adults grow into true entrepreneurs because they don’t want to have a boss…they want to BE the boss.

Even though many parents push their kids toward college, this may not be the best plan of action any more. College has become simply A way and not THE way for young adults to move out into the world of making money on their own. And if our children were taught that college wasn’t the only way, fewer of them would leave high school feeling like total failures right off the bat.

Exploring the ever-present ‘gotta get a degree’ mentality further, you read that college dropouts, as well as graduates, often leave school with tremendous amounts of student loan and credit card debt. To make matters worse, the graduates go out into the world with unreasonable salary expectations. This often leads to trouble quickly after the excitement of graduation wears off.

The next step is often to move back in with mom and dad, find a job…any job…just to get by, let alone be able to pay down the debt or move forward in life financially. Many young adults struggle finding work at all, leaving mom and dad questioning how to help their grown children get on their feet so they’ll finally be able to make it on their own.

What if, instead, our children got a different type of financial education before they moved away from home? One that spoke to where we are today in terms of making money, careers and this new idea of financial freedom?

The challenge is that the current financial education model doesn’t fit the current paradigm of today’s young adults. The definition of financial literacy and the implementation of financial education need to change in order to prepare our kids for the very interesting economic future ahead.

Financial literacy used to mean understanding the importance of saving, balancing a checkbook and creating a budget to live on one’s means and invest for the future by accumulating money that would eventually grow to support us when we got old.

Now, financial literacy must include knowing how to invest in assets that produce passive income now and in the future. It must include knowing that financial freedom means having more money coming in than going out, knowing how to be an entrepreneur, understanding the art of leverage and a whole lot more.  It must, also, include knowing how to make money on the Internet!

It used to be expected that the kids with the A’s went to college and the kids who got C’s went out to make it on their own the hard way. Turns out the kids who got C’s created many of the businesses that the kids who got A’s ended up working for!

What if we taught our youth how to be self-sufficient, not just financially, but in all areas of life? We could call it Life Literacy. And what if we taught it in school to ensure that when children become adults they have the skills necessary to live well on their own?

Financial Education Needs A Facelift

The shift in financial education begins with the acknowledgment that more students don’t graduate from college than do graduate from college.

Financial literacy needs to expand past learning to save and invest for the long term to save and invest to create passive income for now and the future. Financial literacy needs to evolve into wealth literacy because more wealthy people have done more good for the world and the people living on it than any government has ever done. And the world right now, needs a lot more good.

If we prepare our youth to be leaders, instead of followers, employees and soldiers, to create true wealth in their lives early on, we will have fewer problems with poor economies, less unemployment and other social problems that arise from issues related to poverty. Right now, our children are being led down of path of roses where the roses are all but gone. The sad thing is that they are trusting us to lead them in the right direction, but we’re not. We’re leading them down a path that no longer works.

It is our responsibility as a nation, to prepare our children to be responsible, self-reliant adults. In our current educational system of testing the memorization of worthless facts and figures, teachers can’t teach what’s important and students are bored, drugged or worse, just trying to play the game of education in order to make it through the day.

Let’s all start taking a more active role in preparing our youth to be financially responsible adults. We accomplish this by setting the best example we can, talking to them about everything truly relevant to life and giving them plenty of practice making and using money while they’re young, before the pain of their mistakes bring them home with their tails between their legs.

Any change worth making takes time. And there’s no better time to change than now.

Elisabeth Donat’s Bio

Elisabeth Donati is the owner of Creative Wealth Intl., LLL, creator of Camp Millionaire and The Money Game and the recipient of the 2010 Financial Educator of the Year Award from the National Financial Educators Council. She is known as The Financial Literacy Lady. She is author of The Ultimate Allowance and writes a weekly blog called Financial Wisdom with a TWI$T. Elisabeth is an expert in teaching the basic financial principles people need in a way that is engaging, empowering and fun. For information, visitwww.creativewealthintl.org or call 805-957-1024.

 

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Must Watch Movie for All Kids and Teens

Every once in a while I see a movie that I feel every American needs to see and I just have to share it.

The movie is Mr. Smith Goes to Washington with James Stewart.

This film was filmed in 1939 and is a little over two hours long but brilliantly done.

Why is it so important for kids and teens to watch it? Because it shows how one man actually CAN have an affect on a nation, both negatively and positively.

One the one side is our protagonist, Mr. Jeff Smith, a boy’s group leader, well-loved, honest as the day is long, a little ‘wet behind the ears’ as Saunders, his senatorial assistant describes, and naive enough to win the battle at showdown.

On the other side of the movie is the antagonist, The Tailor Machine, made up of the governor and everyone he’s bought and now controls: senators, newspapers, radio stations and more.

The movie is about truth, justice and the American Way.

The movie is about taking a stand and standing ’til you drop because you can’t quit, no matter what.

The movie is about having the right support at the right time in the right places.

The movie is about knowing what’s right and doing what’s right…something that has become a distant memory for a lot of Americans.

And the movie is about American history; how it came to be, what it stands for, and how, even back then, we tend to forget where we came from.

So, next time you don’t know what to do with your kids, fire up your Netflix account and watch, Mr. Smith Goes To Washington. Be prepared to either stop the movie for a little discussion with your kids about what’s going on or make sure you leave enough time at the end of the movie to talk about how they feel about what happened in the movie and what’s happening in America now.

Enjoy…

 

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Discover The Power of Financial Education!

Author: Ben Semommung

Financial education is crucial to the wellbeing of families nowadays. It is therefore time for all of us to get serious about financial education. In law, they say “ignorance of the law is no excuse”. I think the same thing should apply to ignorance of financial matters or money issues.

You need financial education no matter who you are, where you are, and what you do in life. Henceforth it is a necessity to seek financial education, as a matter of urgency, if you don’t have it. We need to agree that ignorance is not a good thing because without financial education, you don’t have a hope of building a lasting and functional relationship with your money. Moreover, without financial education, you cannot process useful information into financial knowledge.

It is apparent that without financial knowledge many people struggle financially and encounter many social problems in their households. Without financial education, you cannot tell the difference between good debt and bad debt. As a result to delve into more and more debt without even knowing that you are digging deeper into bad debt. People who don’t have financial education cannot tell the difference between an asset and a liability. As such, they accumulate liabilities and end up failing to get out of debt or even defend themselves when creditors want their money.

Lack of financial education leads to lack of budgeting and poor financial spending. As result, some people say that budgeting doesn’t work. It is because of lack of personal financial education that most people work their whole lives only to remain poorer and poorer. When someone doesn’t have proper financial education, he or she leads a tough life of stress and depression.

Some businesses fail because of lack of financial education. Those who run businesses without proper financial education cannot tell the distinction between revenue and profit. Some even think that an overdraft facility will be an answer to their cash flow problems, only to find that it only exacerbates their indebtedness. They bond themselves to financial institutions and loan sharks that prey for people who don’t have financial knowledge.

Personal financial education is an important personal endeavor worth undertaking for the good of all. Financial advisors may tell you so many stories to get you buy their products that there is off-shore this or off-shore that. If yu don’t have financial knowledge you won’t understand what they are talking about because you don’t have financial education. The greatest enemy of mankind nowadays is the lack of financial education.

As Robert Kiyosaki, one of the financial gurus of all time puts it, “… it is not the love of money that is evil-it is the lack of money that causes evil… it is being deeply in debt that is evil …it is fighting with the people you love over money that is evil. Money by itself is not evil. Money is just money.”

Unfortunately most of the people hold on to these negative beliefs about money simply because they lack of financial education. In most of the households, talking about money has become a taboo subject. Money issues are a secret and yet they are root causes of many family problems. It is important that there is kids financial education in families and in schools. There is a need to break the silence with our children in schools and start exposing them to financial education.

There is need for in-service training who are employed and earning money because it is never too late to learn. We encourage you to take it upon yourselves to buy a financial education book or get a financial audio program to learn more about money management. You need to see to it that you attend a seminar on financial education. Many parents tend to pamper their children by giving them truck loads of money to silence them from nagging. This is no good!

I hope this helps.

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Article Source: http://www.articlesbase.com/personal-finance-articles/discover-the-power-of-financial-education-2704368.html

About the Author

Ben Semommung is a professional social worker, a writer and motivational speaker. His life purpose is to inspire and empower people from all walks of life to develop their full potential.

He has been involved in network marketing since 2004 and is one of the promising internet marketing geniuses online today who actually ‘walks the talk’. Ben is the owner and CEO of Dauphin Holdings (Pty) Ltd. His hobbies include reading, writing and surfing the net. He would like to meet new friends online and start networking.

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