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Current Edition | Article Archives


February 2010

  • Not All Income Trusts Are Created Equal
  • Are Resource Flow Throughs Worth the Risk?
  • A Second Look at Energy ETFs
  • Making Money and a Better World
  • Investing By the Decade
  • America Falling
  • We Make Too Many Analogies
  • Convertible What?
  • Protecting Your Pension
  • A Sustainable Retirement Income
  • Pension Changes Are Happening!
  • Going for Preferred
  • Long-Term Care Insurance
  • Interest Rate on Spousal Investment Loans
  • Impress For Less On Valentine's Day
  • MoneyDigest - Topics include Making Busses More Efficient; Media Will Recover; IESI-BFC Ltd's Expansionary Tendencies; PrefLetter
    Recommendation - CIU.PR.A; Russel's Cost Controls
  • Ask the Experts - Canadian MoneySaver editors respond to questions from our members on a variety of topics.


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The CFP: Children's Financial Planner

Kids, Money and Everything in Between

Jorge Ramos

We teach our kids how to swim, drive, play sports, even about the "birds and the bees". But we don't teach them about money.

Unfortunately, the first real exposure children have to money is by having their parents say, No. No, we can't afford that toy. No, you can't have another doll. No, no, no. This is the extent of most kids' financial training. This isn't nearly enough to prepare them for the breadth and complexity of managing personal finances, which is why so many adults find themselves stressed about money.

Imagine if you had learned everything about money when you were 18, or even 12. How would that have affected your financial choices in life? How would your life be different? It's not too late to take control of your finances but that is not our focus here. Today, we are going to start a conversation about how to talk to your kids about money, investing and general success in life. So let's start with a topic that parents most often ask about.

Allowances

Should I give my child an allowance? - An allowance gives your child the opportunity to learn valuable lessons around saving for things they want, learning to be a smart shopper, responsibility with money, and empowers them to make the right choices. There is no right or wrong here. However, in order to become good at managing money at an early age, you have to have some money to manage. It need not be a lot, but the earlier that your children start to manage their own money, the better chance of success they will have in life.

Read on... 

 

As It Happens...

Economy & Markets
2010 expected to be a stock picker's delight
Emerging markets come of age
CIBC's latest Economic Insights
Scotiabank's Commodity Price Index Jumps in December
Bank of Canada maintains overnight rate target
Canadian economy will start 2010 like a lion
Canadian Consumer Outlook Index Rises
BMO's Strategists Predictions for 2010
Auto Industry on the Road to Recovery in 2010
Canada's household debt still manageable
Household Finances Important for Financial Stability
Great Recession Over; Age of Uncertainty Begins
Scotiabank's Experts Discuss the 2010 and 2011 Outlook
Canadians hope for a better 2010

Currency
Scotia Capital's Global FX Research (Daily)

DRIP News
Emera purchases interest in Nova Scotia wind project
TransAlta awarded 25-year power purchase agreement
Scotiabank reports 2009 fourth quarter
Distribution Reinvestment Plan on all BMO ETFs
Enbridge and RES Canada Team Up
TELUS amends dividend reinvestment program
 
Financial & Tax Planning
Canadians returning to RRSP Investments
TFSA and RRSP - Which one is for you?
Canada's tax system ranks 28th
Does retirement make the heart grow fonder?
Canada Dominion Resources 2008 Limited Partnership
Financial Tips to Stay on Track in 2010
Getting The Most From Your TFSA
CGA Ontario's HST booklet to support local businesses
Eleven Ways to Teach Kids About Money
53% of Canadians lack the skills needed to build wealth

Consumer
RBC Canadian Consumer Outlook Index
Special Report on Investor Protection
Ontario car insurance rates increase
Ringing in a Debt-Free 2010
12 Critical Tips for Safe Online-Shopping
'Shopportunities' for Canadian deal seekers
Tips and advice for U.S. bound travellers

Mutual Funds
 Oil Sands: More questions than answers for investors
 Small cap managers outperform large cap managers
 Canadian large cap managers post best return in over 22 years

Real Estate
A New Real Estate Comparison Tool
Mortgage brokers weigh in on key RRSP strategies
Fixed or Variable Mortgage Rate?
2010 national real estate forecast for Canada, U.S.
Homeowners and Buyers Should Stress Test their Budget
Bahia Principe's Riviera Maya Golf Club
Existing home sales remains strong in November
Understanding Your Mortgage Options
Are Canadians Better to go Fixed or Variable?

New Products
iSHARES Canada launches of six new ETFs
Claymore Gold Bullion Trust conversion to an ETF
Meritas and Qtrade to Merge

 
 
  
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