Money Doesn't Grow On Trees: A Parent's Guide To Raising Financially Responsible

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FORMATPaperback LANGUAGEEnglish CONDITIONBrand New Publisher Description

At a time when kids have more debt and temptation than ever comes a completely revised and updated edition of the #1 New York Times bestseller on teaching children aged three to twenty about money Money Doesn't Grow on Trees is the book that parents turn to when it comes to teaching their children about money. With 180,000 young adults between the ages of eighteen and twenty-four declaring bankruptcy last year and college students graduating with an average of $28,000 in debt, Neale S. Godfrey is the definitive expert on the subject and her time-tested advice is more important than ever. Money Doesn't Grow on Trees offers exercises and concrete examples on everything from responsible budgeting to understanding the difference between "want" and "need" for children of every age. This revised edition includes entirely new sections that discuss * The power of the Internet * The tactics of television advertisers * The world of eBay Godfrey's years of experience as a mother and a financial expert make Money Doesn't Grow on Trees a book no responsible parent can afford to pass up.

Back Cover

From the nanoscale to the macroscopic scale, intelligent materials are triggering a response across both dimensions and scientific disciplines... World class, leading experts in the fields of chemistry, physics and engineering have contributed to Intelligent Materials, highlighting the importance of smart material science in the 21st century. In this exceptional text the expertise of specialists across the globe is drawn upon to present a truly interdisciplinary, outline of the topic. Covering both a bottom-up chemical, and top-down engineering approach to the design of intelligent materials the Editors of the book are bridging a vital gap between various scientific authorities. The influence of current research in this field on future technology is undisputed and potential applications of intelligent materials span nanoscience, nano technology, medicine, engineering, biotechnology, pharmaceutical and many other industries. This is an authoritative introduction to the most recent developments in the area, which will provide the reader with a better understanding of the almost unlimited opportunities in the progress and design of new intelligent materials. An indispensable reference for anyone contemplating working in the field! The Editors Mohsen Shahinpoor is the Chief Scientist and Director of Biomedical Poducts at Environmental Robots Inc. and a Regents Professor at the Univesity of New Mexico. His work in the field of Robotic Systems and Smart/Intelligent Materials covers over some 22 years, and includes numerous publications and patents. Prof. Dr. Hans-Joerg Schneider is Professor em. of organic chemistry at the Universitaet des Saarlandes, Germany. He has played a pivotal role in transferring the principals of molecular recognition into supramolecular polymers and has published a multitude of books and papers in the field, with several patents pending for intelligent chemomechanical materials. Comments on this book... "This will be the starting point for all researchers looking for industrial solutions involving smart materials. Congratulations to the Editors for providing such a vast and interdisciplinary book." P.-G de Gennes, France Prix Nobel de Physic 1991

Author Biography

Neale S. Godfrey writes a weekly Associated Press column and is the author of fourteen books that address money in the context of life skills and values. She has made numerous appearances on such television shows as The Oprah Winfrey Show, Good Morning America, and Today, and she is the founder of Children's Financial Network, Inc.

Review

"What is a parent to do? Reaching for Money Doesn't Grow on Trees is one solution." -- Chicago Tribune

Long Description

SPECIAL PRICE FOR A LIMITED TIME Book ten of the celebrated Deverry series, an epic fantasy rooted in Celtic mythology that intricately interweaves human and elven history over several hundred years. At the end of the Civil Wars, Prince Maryn stands on the brink of bringing peace at last to the torn kingdom, but powerful magics threaten his reign and his life. Only Nevyn's young apprentice, Lilli, can see the horrifying power of the curse, her dead mother's legacy of evil, that could bring disaster upon them all. But she has only untried magic for a weapon as she fights to save her beloved prince. Centuries later, the ancient evil rises again, threatening a raging tide of war that could destroy Deverry forever. Out in the lonely Northlands the savage Horsekin are gathering their armies to march west and conquer the kingdom promised them by their blood-maddened goddess, Alshandra, and her human priestess, Raena. Directly in their path lies the peaceful city of Cerr Cawnen, trembling in the fear of war.

Review Quote

"What is a parent to do? Reaching forMoney Doesn't Grow on Treesis one solution."--Chicago Tribune

Excerpt from Book

Chapter 1 What Kind of (Financial) Personality Do You and Your Children Have? All through history and saturating our literature are references to the greed and generosity of human beings. The name Scrooge has become synonymous with "tightwad"; Carnegie has come to represent cultural generosity. Who knows or remembers what Mr. Rockefeller did except give lots and lots of money to charity. Archie Bunker, on the other hand, was known to shut the blinds and turn out all the lights on Halloween to avoid giving out free candy to children. The truth is that money affects us. No matter how much we have or don''t have, it affects our mood, our marriage, our goals, our dreams, and our personalities. In America, our great land of opportunity, the 1980s proved to be the decade of the spender. The indication thus far is that the 1990s will be governed by the savers. (We''ll see who''s left standing at the turn of the century, won''t we?) You are one of these, and the saving or spending part of your personality influences your child. Do you know if you are a spender or a saver? The following is a fourteen-question quiz to determine which financial personality type you are: THE ADULT FINANCIAL PERSONALITY TYPE QUIZ 1. Do you find yourself thinking about money often? Yes __ No __ 2. Do you love watching your bank account grow? Yes __ No __ 3. If you inherited a great deal of money today, would you save the bulk of it? Yes __ No __ 4. Do you use your credit cards to the limit? Yes __ No __ 5. Are you perpetually in debt at the end of each month? Yes __ No __ 6. Do you feel it''s important to buy the "right" things? Yes __ No __ 7. Do you feel inferior to your friends financially? Yes __ No __ 8. Does money give you a feeling of power? Yes __ No __ 9. Are you afraid you''ll run out of money and be left poor in your old age? Yes __ No __ 10. Do you have a hard time making decisions about spending money, even if it''s a small purchase? Yes __ No __ 11. When your spouse says it''s time to buy something, are the first words out of your mouth "We can''t afford it"? Yes __ No __ 12. If someone asked you, "How much money do you have in your purse or wallet?" would you know exactly? Yes __ No __ 13. Do you use shopping as a reward for yourself? Yes __ No __ 14. If it was a bad day, do you often buy yourself something to feel better? Yes __ No __ How to Score: Yes answers to questions 1, 2, 3, 8, 9, 10, 11, and 12 indicate you are a saver. A yes answer to questions 4, 5, 6, 7, 13, and 14 show you have strong spending characteristics. In which area did you have the most yes answers? Saver 1. __ 2. __ 3. __ 8. __ 9. __ 10. __ 11. __ 12. __ Total yes __ Spender 4. __ 5. __ 6. __ 7. __ 13. __ 14. __ Total yes __ Now, what does the quiz show? Are you a saver or a spender? I''ll bet that you already know which financial personality type your child or children are. Just to make sure, though, take one more short quiz and see: THE CHILD''S FINANCIAL PERSONALITY TYPE QUIZ 1. If you give your child money, does he or she save it? Yes __ No __ 2. Does your child lose or misplace money often? Yes __ No __ 3. Do you often hear the words "I want, I want" when you go shopping with your youngster? Yes __ No __ 4. If you ask your young one, "Why do you want this?" does he or she often say, "Because Johnny has one" or "I saw it on TV"? Yes __ No __ 5. Is your child reluctant to spend any of his or her own money? Yes __ No __ 6. Does your child get exceptional pleasure in seeing a bank account grow? Yes __ No __ 7. If your child sees a penny on the ground, will he go out of his way to pick it up? Yes __ No __ 8. Does your child decide to save for a special toy, and then later choose not to buy the toy? Yes __ No __ 9. If you say no to the suggestion of stopping for ice cream or pizza, does your child ask, "Can we if I pay for it?" Yes __ No __ 10. When you travel, does your youngster want to bring presents back to all her friends? Yes __ No __ How to Score: Yes answers to questions 1, 5, 6, 7, and 8 indicate you have a saver on your hands. A yes answer to questions 2, 3, 4, 9, and 10 show you have a full-fledged spender in the family. Which of the two personality types is your child? Saver 1. __ 5. __ 6. __ 7. __ 8. __ Total yes __ Spender 2. __ 3. __ 4. __ 9. __ 10. __ Total yes __ Okay. Now you know which way your child leans when it comes to money, and what kind of an influence you will be on him. Stay calm. Even if one of you scored very high in one category or the other, indicating either a Silas Mamer pinchpenny or a free-for-all spender, there are adjustments that can greatly temper these predispositions toward the extreme. The ideal financial personality, of course, is fight in the middle: a careful spender and a disciplined saver. This is what we will be working on in this book. The way we will do this is not by using whips and chains to change the youngster''s behavior (at least not right away). Instead, I will show you how to help your offspring set specific short-range and long-range goals for their money. The excitement of pursuing these goals and then the satisfaction of attaining them will begin to instill in your child the true joy of money. Copyright

Details ISBN0743287800 Author Neale S. Godfrey Short Title MONEY DOESNT GROW ON TREES Pages 176 Language English ISBN-10 0743287800 ISBN-13 9780743287807 Media Book Format Paperback Illustrations Yes Year 2006 Imprint Scribner Subtitle A Parent's Guide to Raising Financially Responsible Children Place of Publication New York Country of Publication United States Residence Mountain Lakes, NJ, US DOI 10.1604/9780743287807 NZ Release Date 2006-08-01 US Release Date 2006-08-01 UK Release Date 2006-08-01 Publisher Simon & Schuster Publication Date 2006-08-01 DEWEY 649.1 Audience General AU Release Date 2006-09-30 We've got this

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