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A one-week program for girls ■ Making the Most of Allowance, Gifts, and Work ages 12 to 19 put on by the National Education Center for Women in Business. Held in Atlanta; Youngstown, Ohio; Jacksonville, Florida; Locust Valley, New York. Cost: $225 to $495. 800-632-9248. ■ Camp $tartup. Two-week sessions ($1,400 per session) on college campuses in San Francisco and Boston teach girls ages 13 to 18 business and leadership skills, including marketing, operations, finance, planning, research, networking, technology, negotiation, stress management, and business etiquette.

They earned $5 an hour when they started a new, unfamiliar project. As they got up to speed, he paid them up to $10 to $25 an hour—the same he’d have to pay someone else. Teach on the job There’s nothing wrong with hiring kids to answer phones, do filing, or clean the office, but it’s important to explain how any tasks they perform contribute to the business. Work experience in your business, at home, or as volunteers not only keeps kids off the street, it also can provide kids with important life lessons, such as: ■ Job skills (which can help college applicants stand out from peers) ■ Discipline ■ Greater appreciation for the value of a hard-earned dollar ■ How to get along with superiors and peers ■ How to cope with a tedious routine ■ Greater understanding of adults who must put up with jobs all the time But there are some potential problems to monitor: ■ With fewer hours to do homework, watch out for slip- 33 34 Kids and Money ping grades.

When kids can’t afford something they want, “they often feel like it’s someone’s fault or lack of income. ” Inevitably, every so often the child will be tempted to blow all of a week’s allowance on something else. “The parent can say, ‘It’s your choice, but know that if you buy this, you’ll wait longer to get what you’re saving for,’” adds White. Even if they choose to satisfy their immediate urge, they will begin to develop a sense of control over their financial choices and restrictions. Pay Matching Grants Amy, mother of 10- and 12-year-olds, matches dollar for dollar what her kids put in their passbook savings account.

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18 Trading Champions Share Their Keys To Top Trading Profits by docchantw

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