Talk early and often.

　　Children start learning about money long before their first savings account, job or credit card.

　　__2__ Avoiding the subject until your child needs a bank account can

　　make the conversation hasty (草率的) and confusing.

　　__3__

　　A trip to the grocery store is a good time to explain price comparison, value and inflation. An ATM stop offers a chance to explain that money doesn't actually come from a machine. You can discuss both earned income, investment returns and even inheritance. Opening bills is a chance to talk about payment for services, credit card debt and interest rates. Children need to be taught about debt, specifically loans and credit cards.

　　Talk about giving.

　　Children should learn that money doesn't always need to be used for them. __4__ Don't just write the charitable check. Get the kids involved in the process by asking them to pick and check charities.

　　Websites like www. charitynavigator. org and www. guidestar. org provide information and ratings.

　　__5__

　　If they open a savings account, they can place their savings in the bank to earn a small amount of interest. Besides, they can learn about fees, account maintenance and even interest. It can provide a motivation for them to save money. You can offer them a prize if they put the money into savings.

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