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| Notices to Readers | |
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| Acknowledgments | |
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| Real Money Stories #1: Lynn's Story | |
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| Raising Money Smart Kids | |
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| Why I Wrote this Book | |
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| A Word about Money Philosophy | |
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| Why Kids Need to Learn Money Skills | |
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| The Six Bad Money Habits Kids Learn from Their Parents | |
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| Why Rich Kids Need Money Skills Every Bit as Much as Poor Kids | |
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| Money Lessons Translate into Wider Value Judgments | |
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| Teaching a Child to Fish | |
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| Be a Money Mentor to Your Kids' Friends | |
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| Summary | |
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| Real Money Stories #2: Kay's Story | |
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| The Pot & the Kettle: A Look at Our Own Financial Habits | |
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| Introduction | |
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| What Money Myths Are You Still Carrying Around? | |
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| Are You Handling Money Like Roseanne? | |
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| A Name for Every Dollar | |
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| The Language of Money | |
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| It's Okay Not to Be Perfect | |
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| Test Your Money-Handling Knowledge | |
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| Summary | |
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| Real Money Stories #3: Dianne's Story | |
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| Supply & Demand: Economics for Kids | |
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| Introduction | |
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| The Birth of an Economy | |
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| What Is Money? | |
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| Can't We Just Print More Money? | |
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| How Goods & Services Trade Hands-Microeconomics | |
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| How Countries Trade With Each Other-Macroeconomics | |
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| What Causes a Recession or Depression? | |
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| How Good Money Skills Can Lessen the Impact of Financial Downturns | |
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| Summary | |
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| Real Money Stories #4: Samantha's Story | |
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| Pay Day: Teaching Kids about Earning Money | |
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| Introduction | |
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| The Need to Earn | |
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| Why Don't Kids Have Jobs? | |
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| Sources of Income | |
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| Employment | |
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| Commissioned Sales | |
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| Business | |
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| Investment Income | |
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| Introducing Your Kids to Earning Money | |
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| Summary | |
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| Real Money Stories #5: Bonnie's Story | |
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| The Penny Jar: Teaching Kids About Saving Money | |
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| Introduction | |
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| Helping Young Kids "See" Their Savings | |
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| The Savings Buckets | |
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| Helping Kids Split Their Money between Buckets | |
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| Setting Savings Goals | |
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| Changing Savings Goals | |
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| Transitioning from Piggy Bank to Bank Book | |
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| Why Move to a Bank Account? | |
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| Canada - Registered Education Savings Plan | |
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| U.S. - 529 Plans | |
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| Calculating the Cost of University or College | |
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| The Basics of Interest | |
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| Alternative Savings Vehicles | |
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| Summary | |
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| Real Money Stories #6: Rachel's Story | |
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| Paying the Piper: Teaching Kids about Wise Spending | |
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| Introduction | |
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| The Scourge of Advertising | |
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| Lessons of the Grocery Store | |
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| Five Grocery Store Lessons for Kids | |
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| Introducing the Concept of Budgeting | |
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| Who's in Charge? | |
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| The 24-Hour Rule | |
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| Tithing & Donating | |
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| Summary | |
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| Real Money Stories #7: Kathy's Story | |
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| Piggy Banks & Plastic: Teaching Kids about Banking & Credit | |
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| Introduction | |
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| The Banking System | |
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| Bank Account Options for Kids | |
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| What to Look for in a Kids Savings Account | |
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| PayPal Student Accounts | |
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| Investing Your Money | |
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| The Basics of Borrowing | |
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| Credit Cards | |
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| Credit Reports and Scores | |
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| Summary | |
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| Real Money Stories #8: Lyn's Story | |
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| Lessons of the Lemonade Stand: Business Principles for Kids | |
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| Introduction | |
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| Working in the Family Business | |
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| Preparing a Resume | |
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| How Will Your Kids Make Money? | |
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| The Ubiquitous Business Plan | |
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| Profitability | |
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| Attracting Customers | |
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| Financial Statements | |
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| Money-Making Ideas for Teens & Pre-teens | |
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| A Quick Word about Income and Sales Taxes | |
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| Entrepreneurs: Pay Yourself What You're Worth! | |
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| The Small Business Investor | |
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| Sample Business Plan | |
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| Summary | |
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| Real Money Stories #9: Jeremy's Story | |
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| A Little Off the Top: All About the Taxman | |
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| Introduction | |
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| Why Kids Need to Know about Taxes | |
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| What Do Kids Need to Know about Taxes? | |
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| Income Taxes | |
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| Sales Taxes | |
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| Property Taxes | |
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| Where Do Our Taxes Go? | |
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| Bringing the Lesson Home | |
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| Taxes and Allowance | |
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| When Do Kids Have to Start Paying Taxes? | |
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| Summary | |
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| Real Money Stories #10: Jo's Story | |
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| Guarding the Castle: The Basics of Insurance | |
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| Introduction | |
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| Types of Insurance | |
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| Life Insurance | |
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| Child Life Insurance | |
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| Health Insurance | |
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| Property & Casualty Insurance | |
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| Business Insurance | |
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| What Kids Need to Know about Insurance | |
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| Summary | |
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| Real Money Stories #11: Amy's Story | |
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| Earning Their Keep: The Pay-For-Work Allowance System | |
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| Introduction | |
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| When Are Kids Old Enough for an Allowance? | |
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| Why Kids Need to Work for Money | |
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| Family Do's | |
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| Decide What Your Kids Will Be Responsible or Paying | |
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| Setting Up A Work-for-Pay Allowance System | |
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| How Much Should I Pay My Kids? | |
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| The Savings Imperative | |
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| Are There Tax Implications in Giving My Kids Money? | |
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| Summary | |
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| Real Money Stories #12: Karen's Story | |
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| Harnessing the Flow: Teaching Kids to Budget | |
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| Introduction | |
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| Writing It All Down | |
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| Setting Up the Budget | |
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| Discretionary versus Non-discretionary Expenses | |
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| The Envelope Method | |
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| Comparing What Happened to What Should Have Happened | |
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| Re-tooling the Budget | |
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| Summary | |
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| Real Money Stories #13: Patsy's Story | |
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| Money Games: Fun Ways to Hone Your Kids' Money Smarts | |
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| Introduction | |
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| Ages 3-6 | |
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| Ages 7-9 | |
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| Ages 10-14 | |
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| Ages 15 and Up | |
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| Summary | |
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| Real Money Stories #14: Lisa's Story | |
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| Money Words | |
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| Resources | |
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| Money Resources for Canadians | |
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| Money Resources for Americans | |
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| Index | |