Teaching Your Kids About Money

Children arent born with an understanding of how money works; all parents learn that one quickly. A young child sees the things they want or need just appear from Mommy and Daddy. The fact that Mommy or Daddy gave money to the sales clerk means nothing to them. So how do you teach your kids about money?

You have to consider your childs age first. My daughter, for example, is three, going on four. Right now she knows the names of the various coins, but the difference in value between a dollar and a quarter, for example, is completely unclear to her.

To help her learn, we are letting her spend just a little bit of money. We gave her a $3 budget to buy her baby brother a birthday present a couple months ago. She struggled quite a bit finding presents in her price range and had to settle for something other than what she had wanted to buy for him. Specifically, she wanted to buy a farm for him, but most of those we saw were in the $20 price range. She finally found a variety of small gifts that fit her budget. She was so delighted to be able to give the cashier the money we had given to her.

Now, obviously this taught her very little about the value of money. She didnt have to earn it, and she really didnt understand why some things cost too much. But it was a very early lesson in sticking to a budget.

You need to decide when you give your children money and why. Some parents prefer to give a regular allowance with no association with getting chores done, etc. Others have a set rate given provided chores are done, while still others have a set rate per chore completed. Theres no right or wrong way, but you do need to be clear on when your kids get money. Dont forget to consider ways in which your kids may earn extra money.

Also consider making rules on how allowance may be spent. Many families have their kids put their allowance in multiple containers - one for immediate use, one short term savings, one long term savings, one for charity, or any combination of containers. Saving money is a habit many parents have trouble keeping, but it is a great one to teach your children.

By the same token, try to avoid teaching your kids to rely too much on credit. Some parents will let their kids borrow money against their next allowance. Now, managing credit well is a vital skill, but it is one best saved for after kids have managed to learn how to save money well, in my opinion. On special family trips it may be appropriate to loan your child some money, but if it something that can easily be bought later it is far better that they learn the value of saving toward a goal.

But there are more ways to teach your kids about money than giving them an allowance. Talk to them about what things cost when you go to the grocery store. Go over what each item costs, and if buying by weight, explain how buying more means you pay more, and that you only want to buy what will actually be used. This is also a good time to teach them about quality, and how to look for the best produce. Children are very proud when they find food that is worth buying and may have a good eye for things once they have been taught what to look out for.

Dont forget to teach them about coupons! Once your child is old enough to not throw them around, he or she may be good at keeping track of your coupons and making sure you remember to use them.

As your kids get older you should help them to build a more realistic picture of what things cost. Have them write the checks out for your bills - or, if you have automatic payments as many people do nowadays, go over your statements from your various bills so that they can see how much everything is really costing you.

Managing money well is a vital life skill and one that children can begin to learn at a very young age. You dont have to have your finances in good order before setting a good example for your child. In fact, teaching good money habits to your child might just help you to take a look at how you are spending your money and help you to improve your habits. This is one habit that your kids will be grateful to have later!

Stephanie Foster's kids many not have mastered money yet, but she loves helping her kids learn about money. You can learn more parenting tactics at http://www.homewiththekids.com/family/.

Dominant Dogs: Are You a Leader or a Follower?

You live with a predator.

He is not human.

He is armed with fangs for slashing flesh and molars for crushing bone. His jaw may exert nine hundred pounds per square inch of pressure. He has forty-two teeth in all.

His sense of smell is so powerful that we, with our human limitations, can barely comprehend. Our olfactory sense does not detect odors unless they are painfully obvious. The nose of this more efficient hunter collects and concentrates minute traces of scent until they create a mental picture more detailed than a visual image. When he smells the ground, he knows every thing that has passed within many, many hours, days even.

While our human eyes process a wealth of colorful detail, his eyes are specialized organs tuned to detect movement above all.

Aligned above his eyes and nose, aimed forward, preternatural ears detect frequencies and sound which easily escape us. Noises such as the softest rodent squeak beneath a thick blanket of snow do not evade him. The footfall of a stranger on an outside porch step does not escape his attention. He hears the breath of large prey even from a distance.

He is swift. The fastest of his kind can sprint at forty miles per hour, covering ten feet in a single bound.

He is agile and he is strong. He can crawl. He can jump. He has a high ratio of muscle to fat. He is an efficient predator. A carnivore designed to detect prey, catch it, to kill, to eat, to reproduce.

He is a social animal. Left to his own kind, he will live in a clearly organized pack led by a dominant male and a dominant female. Serious challenges to the social structure will be met swiftly and violently. Yet a strong survival and social instinct inhibits this killer from harming his own kind unless necessary to maintain order. Thus, he speaks a complex and rich language with which he can advertise his intentions. He assures his pack mates that he means no harm, but that he will defend his rank within the pack.

He is an animal. He is a predator. He is opportunistic. He understands social order, his place in that order, and lacking strong leadership from above, he is ready to assume control of his pack. He is ready to defend his pack from outsiders. And he is ready to protect it from social unrest within.

He is your dog.

He has forsaken life with his kind to inhabit your world. But he has not forsaken his nature. He retains his predatory nature. He remains a social animal. You and your family members are his pack mates. You are his leader.

Or he is yours.

Make no mistake about it. Your dog understands the hierarchy in his pack, the organizational flow chart if you will. He will yield to pack mates above him on the chart, but not below.

For example, if you give your dog a high value treat such as a meaty bone, can you take it away? Does your dog remove the bone and run away with it as soon as youve given it? That is a low level form of resource guarding behavior. Higher up on the scale is when your dog freezes and stiffens over the bone. In his language, your dog is very clearly stating an intention to guard the resource.

The only question is to what length he will go in order to retain it. Perhaps he is bluffing. If you reach in closer to touch the bone he may give it up. Or perhaps he will begin to growl, stiffening further over the treat, revealing his fangs. Whether he decides to bite you is a question determined not only by his perception of your ranking versus his, but also by the level of aggression he is willing to employ in defending this resource from you on this day.

If he is your leader, then he decides whether or not you touch the bone, and if that act will cost you an injury. If you are his leader, then when you make clear your intent to take the bone, he drops it into your hand without protest.

Dogs do not bite by accident. They decide. They choose. They make conscious decisions in a split second. If your dog permits you to take food and other valuable resources away and is willing to follow your direction, chances are good that he regards you as his leader. Therefore, he will give you all the privileges due your rank.

However, you may find that the dog does not treat all members of your family the same. If he respects you, but not your spouse or children, this can lead to serious problems. Be on the look out for ranking issues in the family.

If you find that your dog does not accept your leadership role, consider contacting us or another professional dog trainer to assist you. Not all dominant dogs are aggressive. Some dogs are very benign dictators who never bother to reinforce their rules upon you. But if your dog is the leader in your home, things can go wrong in this backward relationship.

The beauty of dog training is that, much like counseling, it can put the relationship back on track so the love affair can flourish.

Marc Goldberg is a dog trainer specializing in the rehabilitation of difficult dogs and improving relationships. He is Vice President of the International Association of Canine Professionals (IACP) and Editor of SafeHands Journal. The author also educates professional dog trainers in his techniques. Visit him on the web at http://www.chicagodogtrainer.com or http://www.dogtraininginchicago.com.

Football FAQ: So You Won't Look Too Stupid Watching Football With Your Date

* What are the positions in football?

There are two types of position, an offensive position and a defensive position. One of the most essential offensive positions is the quarterback. The protectors of the quarterback are the offensive line.

As an additional protection there are the running-the-ball positions of running back and fullback. These positions are located in the backfield, behind the quarterback. The last offensive position is the wide receiver. This position has the main objective of receiving (catching) the ball when the quarterback throws (passes) it.

The defensive positions are: defensive end, linebacker, cornerback, and safety, who has the last thing to say about defense. Safeties are located at the back, while the defensive ends are out front.

* What does each position in football do?

Offensive positions are: quarterback, offensive line, running back, fullback, and wide receiver. The quarterback is the leader of the team. He gets the ball at the beginning of each play and he makes the decision whether to throw the ball or run it.

The offensive line's job is to defend the quarterback or the running back, especially while they have the ball. Another thing the offensive line does is block or catch passes.

Running backs and fullbacks are the major hurrying unit. The wide receiver is the one who will usually catch the ball when the quarterback throws it. He must be tall and quick.

Defensive positions are: defensive end, linebacker, cornerback, and safety. The defensive ends are the outer part of the defensive team. Linebackers are the most important line-up of the defense. They are the quick, hard hitters. Cornerbacks are in charge of defending the wide receiver so he can catch the ball and run with it, while the safeties guard and defend the cornerbacks.

* Where did the name football originate?

A form of football called harpaston was first played by the ancient Greeks. In the United States it was played as early as 1609 in Virginia, though in a simpler form. For the ball, they used the inflated bladder of a slaughtered pig.

Most "football" today is played in Europe and South America, and is the sport that North Americans call soccer. Football got its name because in soccer the hands cannot be used to move the ball. Later, rugby came into popularity, wherein the hands are allowed to be used.

American football has been widely influenced by rugby, and is known throughout the world today as (guess what) "American football."

* Where did they get the shape of the football?

The shape of the football comes from the shape of the ball in the game of rugby. Football has an elongated ball with pointed ends. The ball is perfectly designed for the player to hold it easily and have a nice aerodynamic motion when it is perfectly thrown. It also has an unpredictable bounce when it hits the ground.

The ball is eleven inches long and about nine inches wide. All of the manufacturers put some laces on one side so the players can grip and hold it easily. This is the reason why rugby and football have almost the same shape of ball, in contrast to soccer, which has a round ball that is manipulated mainly by the feet.

Hadyn Falk is editor of http://www.hq-football.com/, the online guide to Football. He also writes Football FAQ's for http://www.prettygreatanswers.com/articles/FootballQuestions/.