Do You Know About Money?

302886_10151365336348268_1580157072_nI found this very informative article about money. This information is excellent and ALL should know this. This is the kind of stuff that should be taught to kids starting at a young age. Were you taught to count back change?.. or how to balance a check book?… I know I was not taught either of those things. I had a job as a front desk clerk and counting back change was one of the hardest things I had to do. It was not something that came easy. Now with all of the cash registers telling you what to do.. I bet many people would be lost without the technology of the modern day cash register…

Anyway.. I hate copy and paste crap but I thought this was a great article so I am posting it here as I found it….. I am not able to give credit where credit is due… I got this in a pack of 1000′s of pre-written articles… most were worthless.. but this one was great!.. Enjoy!

In a test of basic economic principles given to 2000 Americans, both adults and teenagers, the average grade was failing. Throughout the years, it has been proven by numerous studies that when high school students graduate, they leave with little understanding of personal finances.

I was never taught how to count back change, balance a checking account or understand compounding interest. But yet, I graduated with the highest math honors, having tackled calculus and physics courses at the neighboring college. But at no point, was I taught the basics of finances before I entered college. Nor were many other American teenagers.

And now credit card debt and financial troubles seem to be everywhere. It is surprising how many people don’t really understand their finances. For example, one of my close friends recently told me that her credit cards had great rates once the 0% interest expires. I told her that her rates can go up at any time, but she didn’t believe me.

So what do you and your children need to know about money?

You need to understand the basics of how to balance your checking and how to budget your income. These two practices will keep you financially grounded. If you can balance your account and stay within your budget, you are probably doing well.

What can throw you off track is debt. And it is coming at you from all sides. You need to understand that there is good debt and bad debt, but that debt becomes fatal if you can’t afford what you have racked up. For example, having a home mortgage is good debt. But if you can’t afford the mortgage payment and risk defaulting on the loan, there is no good in it.

You have to know how debt works. Understand the advantages and disadvantages to using your credit. If you have or are thinking about taking out a credit card, I suggest that you learn all of the tricks of the trade. I would say that the one thing to remember is that debt costs you. All debt costs you. Credit cards, auto loans, mortgages and student loans aren’t designed for your good. They are there to make the lenders money. Keep that in mind.

When you are thinking about taking out a loan, you should do main things:

Know your credit score and what your credit report says. Figure out the total cost of the loan. This includes all of the interest you will have to pay back. The number might surprise you. See how long it would take you to save for it versus paying off the loan. Shop around for the best interest rates and terms.

One of the most important things is understanding compounding interest. This can be slightly hard to get a grip on at first, so have someone show you how the numbers work. And keep in mind that though interest can cost you in debt, it can give to you in savings.

Finally, you need to understand that as an adult, there is more to finances than just money. It is about self-control, trust and other emotions. There are also many facets to managing your finances. You have insurance policies, investments and wills and trusts to consider. It’s all about making the best future for you and your family. That’s what money spent wisely can do for you. Take the few hours to learn how to get there. It will pay you back thousands and thousands of times.

Click below to help your children while they are young with what they need to know about money.
Teaching your Children About Money

Teacher Created Resources

Over 1500 products from Teacher Created Resources
Teacher Created Resources is an educational publishing company.  It is an easy-to-use online store of more than 2,000 classroom resources for teachers of PreK through Grade 8.
All of the products are “created by teachers for teachers and parents.”

Teacher Created Resources carries books for all areas of the curriculum, including language arts, math, social studies, science, art, and technology. Not only do they carry books but they also carry classroom favorites such as bulletin boards, banners, awards, postcards, file folders, memory albums, stickers, and more. Many of these products featuring the artwork of well-known artists such as Mary Engelbreit, Susan Winget, and Wyland.

The website offers not only many wonderful products to choose from but it also has many items that are free to download as well…things like…

Teaching Tip of the Month:
This month’s Teaching Tip comes from” How to Manage an Independent Reading Program.”

Scroll to the bottom of the site and you will find several categories to choose from under the heading of:
Free Monthly Activities
Free Stuff

Please book mark the site.. I am sure you will want to refer to it often for suggestions, tips and Free stuff that your able to download and use right away in your own classroom. I am sure you will find Teacher Created Resources one of your favorite go to sites…. Book mark it now…. Teachers Created Resources.

  I am one of those crazy critter lovers….. I have found the most wonderful way to teach children about natures wonderful feathered and furry critters as well as snakes and spiders too. Zoobooks is designed for animal lovers.

Founded in 1980, Zoobooks encourages a lifelong love of reading and nature. Award-winning photos and amazing illustrations captivate kids. The articles are packed with interesting, kid-friendly information. Teachers recommend Zoobooks because of the quality but also the fact that kids love animals and are highly motivated to read more about them.

Zoobooks is family-tested by more than 8 million parents and also has over 100 products available in a new product catalog! A top magazine in classrooms for 20 years and Parents Choice Award approved annually by the parents and teachers that care the most!

For younger children Zoobooks also offer 2 other options to choose from…
Zootles for kids 3-6:
Zootles magazine for younger kids is also full of animal fun. It’s written just for preschoolers! The illustrations and stories are charming and educational.

Zoobies for kids 0-3:
Zoobies is the newest magazine for 0-3 year olds. It’s like a little board book full of eye-popping photos and simple text for the youngest animal lover.

No matter what age your child is you will be bringing nature to them in wonderful colored pictures and interesting articles. Most parents would agree.. whatever it takes to get kids to read and learn is certainly a step in the right direction for a child’s education. Learning about nature encourages children to want to know more and more. Reading is always a good thing.

You can read more about Zoobooks and choose the best book for your little learner here at Zoobooks.


Teaching your children the Law of Attraction while you home school

Schoolteacher 01I have always thought that the Law of Attraction should be taught in the classroom starting in kindergarten and expanding upon the teachings of the message each year after that… Just imagine for a moment if our children grew up being taught the Law of Attraction at such an early age… They would grow up with such a marvelous mindset….I know that I would of loved to of been exposed to the Law of Attraction at a young age.

Some how I don’t think that the main stream educational curriculum would think that is a topic that should be taught in the classroom. I am certain that they would have many excuses why that wouldn’t be a good thing to do.

Perhaps the public school system wouldn’t allow the Law of Attraction to be taught in the classroom but I bet this would be a wonderful topic to add to someone who home schools their children…. Charter schools may even be a perfect place to offer the teaching of the Law of Attraction.

If you are a home school teacher and need guidance as to how to even start the topic of the Law of Attraction to your student.. here is a marvelous step by step guide that was written by a former teacher. You will just love her wonderful accent…. it adds so much to her audios.

You can find out more about this wonderful guide here…. Happy Kids 4 Life

K5 Stars is an online Learning Center

K5 Stars is an online learning center that helps every child become a star learner. Mastering the basics such as Sight Words, Reading and Elementary Math is the foundation of success from elementary school through college and beyond. Give Your Child a Boost with Over 300 Fun Online Games!

Is Your Child Falling Behind In Reading?
K5 Stars is able to help you child become a better reader. The K5 Star site is very interactive. Being able to access this learning tool at any time of the day or night is a real advantage for not only you but also your child. Being able to learn from the comfort of your own home at any time…When ever is convenient.

Is Your Child Falling Behind In Math?
Give Your Child a Learning Advantage with Over 300 Fun Online Games!
Let your kids play their way to an education! Designed for Pre-Kindergarden-5th grade. Just look at the topics that are available….
telling time
units of measure
In addition to the over 300 interactive games that are available your also able to print off (pdfs) for Sight Words Word Search Puzzles: These are available for several different grade levels.

This site offers several options …
You can try this teaching tool out for free for a week…..
Then decide if you want to continue to use it… the membership fee is VERY small…. and it is good for en entire year!
What have you got to loose?

Plant the Reading Seed Early

It is never to early to start reading to your child. You can start reading to you or child before they are even born, your soft gentle voice can be very comforting.

I am sure you have seen an image of speakers hooked up to a very pregnant mother to be.. playing soft music to her unborn child. Reading to that unborn baby would be the same thing, BUT….in my opinion even better. It would be YOU… the voice that they will hear for their lifetime. Plant the reading seed early. You can not start much earlier than that.

Reading to your child should be a habit you start early and continue as they grow older. Reading before a nap or before bed, reading a quick story before lunch time…. form a reading habit will help your child relax and unwind. Stories don’t have to be long….but if they are, perhaps saving the second half of a lunch time story would be the perfect transition into a before nap time story.

Books that have colorful pictures and lots of white space.. with very few words can help spark your child’s imagination. Even if your child is not actually looking at the book they still are hearing the rhythm of the story and the rise and fall of your voice.

When reading to your child, draw your finger along the words as you go. This familiarizes your child with the foundations of reading: that words have meaning; that words on a page are read from left to right; and that one page of information carries on to the next.

Let your child’s interests be your guide. Gather a collection of books sure to capture your child’s attention. Babies love to learn about animals, colors and shapes, as well as letters and numbers.  If your child shows an interest in dinosaurs, then please give them books about dinosaurs.

It is never to early to start reading to your child… Plant the reading seed early and make it a habit..

Here is a wonderful site to help your child learn to read. It is very interactive. K5 Stars

Everything I need to know about life I learned from Noah’s ark

“Everything I need to know about life I learned from Noah’s ark.”

One – Don’t miss the boat.

Two – Remember that we are all in the same boat.

Three – Plan ahead. It wasn’t raining when Noah built the Ark.

Four – Stay fit. When you’re 600 years old, someone may ask you to do something really big.

Five – Don’t listen to critics; just get on with the job that needs to be done.

Six – – For safety’s sake, travel in pairs.

Seven – Speed isn’t always an advantage. The snails were on board with the cheetahs.

Eight – When you’re stressed, float a while.

Nine – Remember, the Ark was built by amateurs; the Titanic by professionals.

Ten- No matter the storm, when you’re with God, there’s always a rainbow waiting.

  “unknown author”
Here is another version of this…. by David Sisler

Don’t you just love Halloween?

Don’t you just love Halloween? I know I do….It is not the candy…. it is not the costumes…
It is not the parties that both young and old alike attend. It is not the corn mazes that you can get lost in. I have never under stood the combination of eating donuts and drinking apple cider so it sure is not that.

Haunted houses…. well they can be real fun. Several places offer haunted houses that you can venture into if you are brave enough.. I must tell you a story about that. Many years ago we picked up the neighbor boy Brian to go to a haunted house. He was probably about 13 at the time. While standing in line waiting for our turn, we watched the people as they exited the haunted house. Many were crying.. most were laughing… almost all were holding onto each other. It really was fun to watch them. Then it was our turn.. Now I had never been to a haunted house before and I certainly had never taken anyone… of course at the last minute my husband decided that he had to be somewhere else at the exact time we were being ushered into this deep dark hole……

Words can NOT express what the haunted house was like. I can only tell you what it was like to have a kid hide his head in my back covering his eyes with my sweater shoving me all the way though and screaming… now mind you this kid didn’t see anything.. he couldn’t of.. his head was buried in my back…   Yes it was very scary.. The minute we got out my husband was waiting for us, and Brian said… “that wasn’t so bad.. can we go again????”

Nope…. none of that is why I love Halloween…. I love this time of year because on the radio I can hear this great song…… You can’t help but tap your toes and dance the Monster Mash right along with them…. I especially love the Crypt Kicker Five outfits. If I were dressing up for a Halloween party I would dress like those gals… gotta love a good looking outfit like that.

I hope you enjoy Bobby “Boris” Picket and the Crypt Kicker Five as much as I do. I have my dancing shoes on… how about you?

Box Tops for Education and Labels for Education

If you saw a dime on the ground.. would you pick it up? I know that I would. I always pick up coins that I find on the ground…. yes, even pennies. I think it is habit more than anything. Over the years I am sure that I have found and picked up a substantial amount of money.

Finding a dime on the ground may not seem like a lot but if you were combine your efforts with 100′s of others on a routine basis…. those dimes would quickly add up. Campbell’s and General Mills both offer the same concept as finding dimes on the ground….they both offer a way for your school to benefit by placing a specific label on their products that you collect and when turned into your school they are able to redeem them for CASH….

There are 2 companies that are trading labels for CASH…. Campbell’s and General Mills.

Campbell’s = Labels for Education
General Mills = Box Tops for Education

General Mills launched Box Tops for Education in 1996 on its cereal boxes. Since then, the program has given more than $400 million to schools across the country. Today, 30,000 schools participate in this nationwide fundraising program. New products are being added to the program constantly, so keep your eye out for the logo on your favorite products.

On this page you will find a list of products that have labels on them. Most are worth 10 each unless otherwise stated. Some are Bonus Box Tops are worth more but they contain the amount and an expiration date. The schools turn the labels into Box Tops for CASH and they are able to get a check twice a year. Up to $20,000 a year…. Just think what YOUR school could do with additional money.

If you want to PRINT off a list of participating box top products you can go here

Please keep in mind that more and more products are being added to that list. I am making it a habit to now look over all packages before I throw them out. It only takes a few seconds and it is able to produce such good.

I bet it you looked in your pantry now you would find lots of “Dimes”.
Labels for Education is for Campbell’s and many other products like Pepperidge Farms, Pop Secret, BIC, and Post just to name a few. These labels are turned into Campbell’s for points that can be used to buy items like computer games, supplies, and items to use in the classroom.

You will find a list of participating Labels for Education products on the link below

Take a few moments to check each website for specific products and to make sure your school is enrolled. Each site has a handy search box for you to see what schools in your area are participating

Just another hint…Tyson labels are great because they are worth 24 cents each so that really adds up.

I bet you have a pantry FULL of labels just waiting to be clipped.
Once collected you can send these labels into school with your kids. Perhaps you could set up a collection box at your work place or your church. If people simply know about this I am sure they will be happy to help. We do not have any kids but this is something that is so easy to do and so beneficial that I will be checking out my food containers before I pitch them from now on.

Please start collecting and help your school find extra CASH one of the easiest ways possible. A big thanks to both Labels for Education- Campbell’s and Box Tops for Education- General Mills for offering this wonderful nationwide fundraiser. It really does not get much easier than this.Here are a couple of images of the labels that you are to be looking for. I found many shapes and sizes of the images. Once you get the hang of it they will be easy to spot!

1359475593423748 box-tops-education-300x139
Labels-EducationLabels-for-Education.jpg 2

Painted Pumpkins

Fall is my favorite time of year. The trees turn such beautiful colors. All the different shades of red, yellow and brown. Where I grew up, our town always became extra busy in the fall. We were invaded with people who came for the “Color Tour”. Since I grew up with that around me I thought they were very silly. But now that I live further south with not as many trees I now can appreciate what that “Color Tour” was all about.

The end of October brings Halloween. What a fun time of year that is. Kids of all ages enjoy Halloween. The stores have such wonderful accessories to purchase for this most festive day. It just seems a shame that some of those decorations can’t be used longer.

Pumpkins are one of the traditions of the Halloween season. They are fun but they are also very messing. They really don’t last very long and I can remember my mother struggling to prepare the pumpkins so that us kids could carve scary faces.

My neighbor has a much better way. Easier and much more practical. And the fact that no one stands the chance of cutting themselves makes it even nice. She paints pumpkins. Some are scary, some are funny, each are unique and different.

So many of the schools are no longer allowing the children to dress up and enjoy Halloween parties many have opted to take the kids to the pumpkin patch and not only choose their own pumpkins but are now taking them back to school to paint and then take home to enjoy for many weeks.

School Halloween parties have been replaced with pumpkin painting parties. Although I always enjoyed dressing up and showing off my costume I am sure that painting a pumpkin would be a fun activity too.

I found a book about pumpkin painting it offers lots of tips and ideas for you.

Check out Easy Pumpkin Painting