Category Archives: Financial Literacy

Teaching Kids Happiness and Innovation (Guest: Mike Ferry)

BTRadioIntWhat is it, really, that creates and sustains happiness in ourselves and in our children? Listen in to this program from our archives as Mike Ferry, banking on his research and experience in working with young people, offers valuable insights into this important and fascinating topic.

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Some define happiness as a positive by-product of success. In other words, if you are successful enough, you’ll be happy.

Teaching Kids Happiness and InnovationBut that definition doesn’t square with the fact that there are plenty of folks who have the appearance of success, yet they are NOT happy. Evidence and research at this point indicate precisely the opposite position: Happy people tend to be successful people, and they conduct their lives and relationships in a manner that is sustainable and consistent with their closest-held values.

Author and teacher, Mike Ferry, defines happiness as an optimistic, communal and disciplined perspective on life. Every part of that definition makes sense; it’s worth sharing with our children as a major lesson in life.

Happiness and Innovation Mike FerryIn this valuable and informative program, Mike discusses authentic happiness and how it can be combined with innovation and a growth mindset to give our children a strong base, a platform for managing life in a world containing more than its share of challenges. Mike’s here also to suggest how we can encourage our kids to develop and demonstrate other valuable attributes like gratitude, perseverance, mindfulness, purpose, tolerance, collaboration, faith and creativity. All of these will contribute to their happiness and a life well-lived.

Mike’s in-depth research and his years as a middle school teacher and father of four all come together in a book that’s the focus of this program. It’s entitled, Teaching Happiness and Innovation. (28:50)

http://www.happinessandinnovation.com

TO LISTEN, use the player below or left-click the link. To access the file right-click and “Save Link as …” to save to your audio device), CLICK HERE FOR LINK


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Helping Your Children Become Kidpreneurs (Peggy Caruso)

Youngsters can develop and display excellent entrepreneurial skills; we see it often in the news. Life coach and author, Peggy Caruso, shares some on-target tips for helping our children become game-changing kidpreneurs!

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Helping Your Children Become Kidpreneurs, Peggy CarusoDiscovering the true talents and abilities within our children will prepare them for this unpredictable world by teaching them how to adapt to any situation. Instilling entrepreneurial ideas in children will help them become successful adults and it will create independence within them.

They need to learn how to manage their own strengths and weaknesses. Many children are afraid to fail because they feel they are letting the parents down. Failure is good – encourage it. It is just feedback letting you know how to modify your plan. It is stepping-stones to success. It can only be failure if you don’t get back up and try again. All of the successful people in history have had many failures before reaching success.

As children grow they need to learn how to deal with change. Changes in circumstances, cultures, and religions help our children to adapt in society. We can’t give our children a blueprint in life, but we can teach them coping skills. Your children’s skills and abilities will be their most valuable asset throughout their lives.

Skills are behaviors in which we increase our knowledge; abilities are natural talents. Understanding what skills and abilities they have and what they need to reach their dreams is an important component in your child’s career development.

From childhood, your child will develop skills that will be transferred as an adult. Emotional skills such as self esteem, sociability, integrity and empathy, integrated with the educational skills of reading, writing, mathematics, speaking, creativity and decision making will prepare them for adaptability within the corporate world. Many studies have supported the fact that the faster children develop skills, the better they do with testing.

Once you discover what their true talents and passions are it is easy to get them started on building a business. There are many businesses suitable for children. Educating children and teens about employment or entrepreneurship has astounding effects. It teaches them time management, assists them in learning how to follow directions, and provides team and leadership skills. Studies show discouraged teens often grow up to become discouraged adults. This affects their confidence level in the workforce.

In teaching children entrepreneurial skills, they need to learn effective ways to communicate. In today’s society technology has limited our children in verbal communication. One area to enhance communication is to teach masterminding. This is very effective and utilized by many adults; therefore it can be effectively implemented with children.

Revolutionize Your Child's Life, Peggy CarusoMasterminding involves placing a group of 5 or 6 like-minded children together to meet once bi-weekly for one hour. Meeting places can vary between houses. They begin by each taking one-minute to say their ‘win for the week’ and then they move on to challenges. Each child presents a challenge they are facing and the remainder of the group assists by providing feedback. Someone needs to be a time-keeper so the meeting does not exceed one hour and each child has their turn.

This assists the children with problem-solving and holding one another accountable. It reinforces communication and interpersonal relations. Masterminding enhances friendships and helps them balance the highs and lows. It assists with creativity and establishes motivation and persistence. It also teaches them how to set and reach goals which is imperative in promoting entrepreneurism within children.

Teaching them to be persistent requires that they will be definite in their decisions, and that requires courage. It is a state of mind; therefore, it can be cultivated, and with persistence comes success. When we talk of success, most people think of adults. But if you begin applying the success principles when your children are young and impressionable, you teach them how to realize failure is good.

Persistent action comes from persistent vision. When you define your goal and your vision remains exact, you will be more consistent and persistent in your actions. That consistent action will produce consistent results.

Remember to teach your children the difference between the person who fails and the one who succeeds is the perception they have. It is seizing an opportunity and acting upon it, unlike the person who allows fear to dominate his abilities.

In teaching your child how to become a ‘kid-preneur’ they learn:

• Talents, abilities and passions;
• Setting and reaching goals;
• Gratitude and developing solid friendships;
• Persistence and motivation;
• Creativity and visualization;
• Communication, problem solving and interpersonal relations;
• Intuition;
• Entrepreneurial skills;

They learn their true potential!! ###

Peggy Caruso can be reached at pcaruso@lifecoaching.comcastbiz.net
For more information, go to www.lifecoachingandbeyond.com

 

Banking on Kids (Guest: Dr. Ed Anhalt)

Radio-style Interview,The Changing Behavior NetworkThe Banking on Kids financial literacy program, founded by Dr. Ed Anhalt, is teaching youngsters skills of managing money responsibly. And, as Dr. Anhalt shares in this interview from our archives, powerful and life-long lessons are being learned.

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It’s a fact: Kids who understand money and how to manage it wisely have a distinct advantage as they become adults. For instance, they understand how to handle money responsibly and how to use it as a tool for achieving financial stability and security.

Like all skills, money skills must be learned, practiced and perfected, and they are best learned early. Our guest on this program, Dr. Ed Anhalt, founder of the Banking on Kids financial literacy program, will share some sound insights for teaching money skills to young people in a way that makes sense and draws “interest.” These skills can last a lifetime as they enrich the lives of individuals and their families.

Banking on Kids, Dr. Ed AnhaltThe first Banking on Kids student-run bank in the schools opened in 1995 under Ed’s expert guidance. Today the program operates in about 350 schools sponsored by more than 30 bank-sponsored school partnerships around the country. It’s a simple but powerful concept: Students start a savings account at their in-school bank (with as little as $.25), then, when they have $10.00 in savings, they can go to the sponsoring bank and open an interest-bearing account.

Dr. Anhalt has a track record for turning great ideas into reality. He is currently Dean of Education for International University for Graduate Studies, and he’s the author of the book, Raise Your GPA One Full Grade. (25:32)

http://www.bankingonkids.org

 

TO LISTEN, use the player below or left-click the link. To access the file right-click and “Save Target as …” to save to your audio device), CLICK HERE FOR LINK


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Our Children and Healthy Eating: Bringing the Two Together (Dr. Dina Rose)

 

BTRadioInt-300x75-300x75Getting their children to eat healthy and right is an ongoing hassle for many parents. In many ways the struggle itself can empower youngsters against the parents. That’s hardly a way to build family harmony. Yet, if they DON’T take a stand on what their children should eat and why, moms and dads could feel guilty and ineffective as parents. What’s the answer? This program, “Our Children and Healthy Eating: Bringing the Two Together,” looks at the problem and offers insights.

Dr. Dina Rose, It's Not About the BroccoliTo start with, our guest on this program, sociologist, parent educator and feeding expert, Dr. Dina Rose, suggests that talking about nutrition is the WRONG conversation. As she will share in this program, good, healthy eating for our children (and ourselves, also) is much more about creating positive habits regarding eating. In short, it’s about a change of focus, and it works!

It's Not About the Broccoli, Dina Rose, PhDListen in as Dr. Rose discusses the three healthy eating habits of Proportion, Variety and Moderation. She will share how teaching these habits to our children will make any mealtime a more pleasant event, and it will give our kids a “how-to” model for a whole lifestyle of eating right.

Dr. Rose is the author of It’s Not About the Broccoli: Three Habits to Teach Your Kids for a Lifetime of Healthy Eating. Her work has been featured nationally on television and radio, and in print and online news sources. In addition to writing her blog, It’s Not About Nutrition, Dr. Rose writes for The Huffington Post and Psychology Today. (27:41)

http://www.itsnotaboutnutrition.com/

 

TO LISTEN, use the player below or left-click the link. To access the file right-click and “Save Link as …” to save to your audio device), CLICK HERE FOR LINK


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Your Child’s First Job … with a Boss! (Guest: Joe Sabah)

BTRadioIntDo you remember asking for your first job? Were you nervous? Probably; and perhaps scared of being rejected even before you got your words out.

JSabahphotoThat first job for you, and the first job for your son, daughter or grandchild, is a rite of passage, much like getting that driver’s license or making it through that first date. There can be anxious moments, but it’s all part of growing up.

This program features Joe Sabah, professional speaker, trainer and author. He will help you equip your child with a rock-solid advantage when they go for that first job, and it will give them the tools and confidence to get a great job later–one they really want and for top pay and benefits.

JSabahbookIn this program, Joe shares how he helped his son get his dream job right out of high school. From this experience, Joe came up with something that leaves resumes in the dust: the Gold Form. It’s just one of the many tips that have helped thousands of folks get the job the always wanted.

Joe has shared his message and his book, How to Get the Job You Really Want and Get Employers to Call You, on over 700 talk radio shows. The testimonials and Thank-You notes he has received easily would fill another book. Listen in as Joe and Dr. Sutton discuss how these great ideas can work for our kids, also! (27:48)

www.joesabah.com

Joe’s book is now available in downloadable ebook format HERE.

TO LISTEN, use the player below or left-click the link. To access the file right-click and “Save Link as …” to save to your audio device), CLICK HERE FOR LINK


(START/STOP Audio)

 

5 Tips for Raising Teens Effectively (Guest: Peggy Caruso)

BTAboutThemFinding it difficult to raise your teenage children? Adopt Peggy Caruso’s five life-saver tips to give them the right direction.

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peggy1. SET GOALS
Setting and reaching goals is very important with teenagers. Goals help them define what is important and it teaches them how to prioritize. It assists them with developing a plan of action in which they can measure their progress. Goals assist with maintaining focus, overcoming obstacles and staying positive.

Set short- and long-term goals. Once they reach a short-term goal it will be a motivator to work toward a bigger and more challenging goal. It will make them persistent in their endeavors.

In goal-setting, you must discover your child’s skill sets. Skills are behaviors in which we increase our knowledge, and abilities are natural talents. Understanding what skills and abilities they have and what they need to reach their dreams is an important component in your child’s career development.

Your teenager will develop skills that will be transferred as an adult. You will begin to understand their personality, discover their creativity and it will be easier to encourage them to become involved in extra-curricular activities. Remember that the less idle time they have, the better.

All successful people set personal and professional goals and it is very influential in raising a teenager’s self-esteem. It provides them with direction and a sense of accomplishment.

2. TEACH MASTERMINDING
Social media has a major impact on a teenager’s ability to effectively communicate. Verbal communication is on a decline due to texting.

One area to enhance communication is to teach masterminding. This is very effective and utilized by many adults; therefore, it can be effectively implemented with teenagers.

It is placing a group of five or six like-minded teens together to meet once biweekly for one hour. Meeting places can vary between houses. They begin by each taking one minute to say their “win for the week” and then they move on to challenges. Each teen presents a challenge they are facing and the remainder of the group assists by providing feedback and solutions.

This assists with problem solving and holding one another accountable. It reinforces communication and interpersonal relations. Masterminding enhances friendships, and helps them balance the highs and lows. It assists with creativity and establishes motivation and persistence. Communication is the key to every relationship.

PCarusocover3. TEACH PERSISTENCE
Teaching them to be persistent requires that they will be definite in their decisions, and that requires courage. It is a state of mind; therefore, it can be cultivated and with persistence comes success. When we talk of success, most people think of adults. But if you begin applying the success principles when your children are young and impressionable, you teach them how to realize that failure is good sometimes.

Persistent action comes from persistent vision. When you define your goal and your vision remains exact, you will be more consistent and persistent in your actions. That consistent action will produce consistent results.

Remember to teach your child the difference between the person who fails and the one who succeeds is the perception they have. It is seizing an opportunity and acting upon it, unlike the person who allows fear to dominate his abilities.

4. SET BOUNDARIES
It is extremely important to give teenagers consequences. They must understand poor choices and what happens when rules are broken. Once you set a consequence, it is imperative that you follow through. Once the teenager overpowers the parent, the problems spin out of control. You need to ensure that you, as the parent, are the one who maintains control.

Set boundaries and learn to say “no.” Don’t allow them too much “alone” time. Teens who spend an excessive amount of time alone in their room can get into trouble on the Internet. Keep electronics away from the dinner table and out of their room while they sleep.

5. IMPLEMENT SUCCESS PRINCIPLES
In today’s society, teenagers are faced with many negative influences, such as bullying, social media, Internet, divorce, cutting, depression and many others. Once it is determined what the issues are and where they were developed, a positive intervention can be applied.

One great positive intervention is implementing success principles. Discovering the true talents and abilities within our children will prepare them for this unpredictable world by teaching them how to adapt to any situation. Instilling entrepreneurial ideas in children will help them become successful adults and it will create independence within them.

Once your child becomes a teenager, you can get them into the financial mindset associated with college. Use a net price calculator on college websites to see how much each year costs when including other expenses besides tuition. Instead of letting them think you will pay for their college, allow them to understand the associated costs.

Also explain how there are other ways to assist, such as financial aid, grants and scholarships, and the differences in what needs to be paid back and what is free money. Teaching the fundamental principles at an early age will make them aware of why they need to focus on getting good grades and how their GPA affects the financial status regarding college.

Understanding finance will also help them understand how student loan debt could affect their lifestyle after graduation. This will make them aware of the importance of good spending habits during their college years. Children who help repay their college debt learn to be grateful and conscientious about money. Studies have shown that when children pay a portion of their debt, they are generally more focused on their academic performance.

They need to learn how to manage their own strengths and weaknesses. Many children are afraid to fail because they feel that they are letting their parents down. Teach them that failure is just feedback, letting you know how to modify your plan. It is a stepping stone to success. Many of the successful people in history have had multiple failures before reaching success.

As children and teens grow, they need to learn how to deal with change. We can’t give our children a blueprint in life, but we can teach them coping skills. Your child’s skills and abilities will be their most valuable asset throughout their lives.

Once you discover what their true talents and passions are, it is easy to get them started on building a business. There are many businesses suitable for children and teens. Educating them about employment or entrepreneurship has astounding effects. It teaches them time management, assists them in learning how to follow directions, and provides team and leadership skills. Studies show discouraged teens often grow up to become discouraged adults. This affects their confidence level in the workforce.

Peggy Caruso can be reached at pcaruso@lifecoaching.comcastbiz.net for more information. www.lifecoachingandbeyond.com

 

Banking on Kids (Dr. Ed Anhalt)

BTRadioIntIt’s a fact: Kids who understand money and how to manage it wisely have a distinct advantage as they become adults. For instance, they understand how to handle money responsibly and how to use it as a tool for achieving financial stability and security.

Like all skills, money skills must be learned, practiced and perfected, and they are best learned early. Our guest on this program, Dr. Ed Anhalt, founder of the Banking on Kids financial literacy program, will share some sound insights for teaching money skills to young people in a way that makes sense and draws “interest.” These skills can last a lifetime as they enrich the lives of individuals and their families.

BOKlogoThe first Banking on Kids student-run bank in the schools opened in 1995 under Ed’s expert guidance. Today the program operates in about 350 schools sponsored by more than 30 bank-sponsored school partnerships around the country. It’s a simple but powerful concept: Students start a savings account at their in-school bank (with as little as $.25), then, when they have $10.00 in savings, they can go to the sponsoring bank and open an interest-bearing account.

Dr. Anhalt has a track record for turning great ideas into reality. He is currently Dean of Education for International University for Graduate Studies, and he’s the author of the book, Raise Your GPA One Full Grade. (25:32)

http://www.bankingonkids.org

 

TO LISTEN, use the player below or left-click the link. To access the file right-click and “Save Target as …” to save to your audio device), CLICK HERE FOR LINK

We Become What We Think About (Earl Nightingtale)

BTLifesMomentsThe late Earl Nightingale was aboard the USS Arizona when it was sunk by the Japanese attack on Pearl Harbor, December 7, 1941. He was one of only 15 marines that survived. He made his mark in radio in the 50s and went on to be a leader in the new field of motivation and success building. He was co-founder of Nightingale-Conant, one of the first businesses of its kind to specialize in the production and sale of audio learning materials.

strangesecretIn 1956, the first ever spoken-word record to go gold (over 1,000,000 copies) was recorded and distributed. It was a recording by Nightingale entitled The Strangest Secret.

Here’s the main point of his message that caused that recorder to sell over a million copies:

We Become What We Think About

 

Actually, a few other folks said essentially the same thing:

King Solomon, known for his great wisdom, said, “As a man thinketh in his heart, so is he.” (Proverbs 23:7)

Henry Ford said, “Whether you think you can or think you can’t, you’re right!”

Shakespeare said, “Nothing is either good or bad, but thinking makes it so.”

But we do have to hand it to Earl Nightingale. He nailed it in only six words: “We become what we think about.” ###

 

Teaching Financial Fitness to Our Children (Danny & Ava Kofke)

BTRadioIntTWO BOOK GIVEAWAYS were featured with this program, one by Danny and one by Ava (both autographed books will be given to one winner). Registration is now closed.

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dannykofkeSomething important is missing today from the education of most children and teens. They have little exposure to it at home or school, potentially leading to deficiencies that can follow them into adulthood. What is missing is financial literacy and the sort of knowledge and practice of managing money that builds financial fitness in our children.

Unfortunately, we don’t have to look very far to see the difficulty financial problems can create in a home and in a life. Stability and happiness easily can be sacrificed when there’s financial pressure. It’s not a good way to live for anyone.

abffTeaching our children about money and financial responsibility, and doing it early on, just makes sense. It gives kids a major tool for handling life. Danny Kofke, a retirement consultant and former special education teacher, will offer insights and interventions on this program as he and Dr. Sutton discuss ways to bring our children up to speed on important matters of financial literacy.

Danny’s three books on personal finance started with How to Survive (and perhaps thrive) on a Teacher’s Salary, followed by A Simple Book on Financial Wisdom: Teach Yourself (and your kids) How to Live Wealthy with Little Money. His most recent book, the one featured on this program, is A Bright Financial Future: Teaching Kids About Money Pre-K through College for Life-Long Success. He has delivered his message on numerous network television shows and right at 500 radio shows.

AvaphotoDanny and his work have been featured in a number of national publications, including USA Today, PARADE, The Wall Street Journal, Bottom Line Personal and The Huffington Post.

the financial angelAva Kofke, Danny’s ten-year-old daughter, must have a pretty good handle on money matters. She wrote her own financial book when she was nine, The Financial Angel: What All Kids Should Know About Money (ages 4-11). Dr. Sutton visits with Ava on this program, also. (28:58)

http://www.dannykofke.blogspot.com

TO LISTEN, use the player below or left-click the link. To access the file right-click and “Save Link as …” to save to your audio device), CLICK HERE FOR LINK


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In The Spotlight (Christy Ziglar and Dr. Daniel Trussell)

BTSpotlightChristy Ziglar

Christy Ziglar, CFP(r) is an experienced personal financial advisor by training. While developing a financial literacy program for young students in the Atlanta Public Schools, she discovered that many of those youngsters lacked the basic skills of goal-setting, delayed gratification and the self discipline required to make good choices in general. She was inspired to launch the Shine Bright Kid Company and to write the Shine Bright Kids stories to help children ages 4 to 8 learn to focus on things that matter most.

ChristyPhotoIn addition to being an experienced financial planner, Christy is the mother of twins and niece of the late Zig Ziglar, legendary speaker and motivator. Her books incorporate a favorite Zig Ziglar word of encouragement to highlight the wisdom and message of the story. Ideals Children’s Books loved the concept and agreed to be the publisher.

Can’t-Wait Willow was the first Shine Bright Kids picture book. It’s about making good decisions and learning how to put off the good in order to have something better in the end (delayed gratification).

RaiseBrighterKids_270 squareWillow exceeded all expectations, going into reprint much earlier than expected and was names a “Most Beloved Bedtime Story of 2013” by Red Tricycle, as well as the “Children & Teens Book of the Year” by Book Gateway.com. The second book, Must-Have Marvin, is headed for reprint and was named one of the “Best Books of 2014” by Atlanta Parent Magazine. It stresses relationships and valuing people over possessions. The third book in the series, Whatever Wanda, is scheduled for release in April of 2015; it will emphasize the importance of a positive attitude.

It certainly looks like Christy, the Shine Bright Kids and Ideals Children’s Books are moving in a direction that would make Uncle Zig very proud, indeed.

For more information about Christy and the Shine Bright Kids, visit the website [link], where you’ll also find free materials and activities for children and families. (Check the free materials page here on the Network, also.)

To access Christy’s radio-style interviews and articles on The Changing Behavior Network, use the search box on the right by typing in “Christy Ziglar.”

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Dr. Daniel Trussell

OLYMPUS DIGITAL CAMERADr. Daniel Trussell is a Licensed Professional Counselor, positive psychology coach and author who has spent his career helping individuals and families reduce and prevent mental health concerns and problems. Currently CEO of WebStar Behavioral Health, he comes from a background in clinical and senior executive positions in managed care, non-profit and governmental agencies. Dan has a clear picture of the concerns and the costs.

But he also has a vision for solutions, especially when it comes to the health and vitality of families. Dan’s most recent work, How Families Flourish: A workbook for family optimization, is a compilation of 50 years of research findings in the fields of psychodynamics, family structure therapy, behavioral analysis, attachment theory and positive psychology (the science and study of happiness).

DTrussellHow Families Flourish: A workbook for family optimization, written to be both informative and interactive, is divided into three sections. The first section identifies 18 characteristics of families that flourish and experience highest levels of life satisfaction. This section also explores common mistakes made by families that are floundering and languishing.

The second section of the book introduces a taxonomy of universal character strengths that broadens and builds positive emotional experience, increases resiliency to life’s challenges and deepens healthy family attachment, respect and communication.

The third and final section, “The Family Charter,” is a step-by-step guide for constructing an action plan for creating and sustaining optimal family functioning.

How Families Flourish: A workbook for family optimization will help any family and its members improve as they strive to flourish. The book is a must-have for any professionals working with families.

Dr. Trussell also provides workshops, webinars and individual consultation with parents seeking to overcome oppositional behavior problems in the home and create more family harmony.

To learn more about Dr. Trussell and his work, go to his website [link]. He has also provided an excellent and generous resource to our page of free professional materials here on the Network.

To access Dr. Trussell’s radio-style interviews and articles on The Changing Behavior Network, use the search box on the right, typing in “Dr. Daniel Trussell.”