Children and Money

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1、Findingawayofteachingchildrentoappreciatethevalueofmoneycanbeaproblem.Yetthesolution,DavidOwensuggests,issimple-justopenabank.Easiersaidthandone?Well,itturnsouttobenotquitesodifficultasitsounds,asyou'lldiscoverinreadingabouttheFirstNationalBankofDave.CHILDRENANDMONEYDavidOwe

2、nParentswhodecidethatthetimehascometoteachtheirchildrenaboutmoneyusuallybeginbyopeningsavingsaccounts（账户）.Thekidsareattractedatfirstbythenotionthatabankwillpaythemfordoingnothing,buttheirenthusiasmdisappearswhentheyrealizethattheinterestrateistinyand,furthermore（此外）,theirpar

3、entsdon'tintendtogivethemaccess（进入的机会）totheirprincipal（本金）.Toakid,asavingsaccountisjustablackhole（黑洞）thatswallowsbirthdaychecks.Kid:“Grandmagavemetwenty-fivedollars!”Parent:“Hownice.We'llputthatcheckstraightintoyoursavingsaccount.”Kid:“Butshegaveittome!Iwantit!”Parent:“Oh,itw

4、illstillbeyours.Youjusthavetokeepitinthebanksothatitcangrow.”Kid(suspicious):“Whatdoyoumeanby‘grow’?”Parent:“Well,ifyouleaveyourtwenty-fivedollarsinthebankforjustoneyear,thebankwillpayyouseventy-fivecents.Andifyouleaveallofthatinthebankforjustonemoreyear,thebankwillgiveyouano

5、therseventy-fivecentsplustwoandahalfmorecentsbesides.That’scalledcompoundinterest（复利）.Itwillhelpyougotocollege.”Themaindefectinsuchsavingschemes（方案）isthatthere'snothinginthemforthekids.Collegeisathousandyearsaway,andtheyprobablythinkthey'djustassoonstayhomeanyway.Indeed,thetr

6、uepurposeofsuchplansisusuallynottopromotesavingbuttopreventconsumption.Appalled（使。。。害怕）bywhattheirchildrenspendoncandyandvideogames(or,rather,appalledbythedegreetowhichtheirchildren’soverspendingseemstomimictheirown),parentsdevisewaystolockuptheirchildren’sresources（财力，资源）.No

7、tsurprisingly,kidsquicklydecidethatlargesumsaren'trealmoneyandthatallcashshouldeitherbespentimmediatelyorhiddeninadrawer.Toavoidthisproblemwithmytwochildren,Istartedmyownbank.It'scalledtheFirstNationalBankofDave.Isetupanaccountforeachchild,usingthesamecomputerprogramIusetokee

8、ptrackof（跟上。。。）mycheck-book.BecauseIwantedmykids’deposits（存款）togrowa