CozMoose's Newsletter -  July 2009


Word Morph             Jokes              Let's Get Physical

Parents Corner      Kids Club Picnic      Tips Find the Words

Summer, Summer, Summer!  Great times are had in the summer months.


Word Morph - Taking a road trip -- "Are We There Yet?"
Try a game of Word Morph
Pick a three-letter word, then take turns changing one letter at a time to create another word.  "dog."  For example becomes "cog."  Then "cot" then "pot."  See how many words you can make in a row!!!
 
Jokes
1. Which birds steal soap from the bath?
2. Where do birds invest their money?
 
Let's Get Physical - Kids who are active typically learn quicker and excel in school.  That is because participation in activities is not only fun, but it will give you a sense of accomplishment.
So get off that couch and keep moving.  The teachers will love how smart you are when you return to school in the fall.
 
Parents Corner - What Your Children Need to Know About Money, by Marguerite Lozier - Galaxy News - July, 2009

Ages 3 - 5 - Teach your children the value of coins.  This is a perfect time to teach them the difference between pennies, nickels, dimes and quarters.  This is also a time when you can teach your children the difference between wants and needs.

Ages 6 - 7 - This is a time to encourage your children to save.  You can help this along by starting them with an allowance.  Once you start them with an allowance, you need to make them pay for purchases from their own funds.  This will make them think before spending on things they really don't need.

Ages 8 - 9 - This is a time to start opening bank accounts with them.  Show them how to make deposits and withdrawals.  Show them how to track their deposits and withdrawals when they receive their statements.  As their accounts build, teach them to invest in longer-term savings which will pay them a higher interest rate.  It will also allow them to purchase those bigger ticket items they have been dreaming about.

Ages 10 - 13 - Now is the time to increase their allowance.  More money means more responsibility, so put them in charge of purchasing their own clothes.  This will be a big eye-opener, as we all know what a pair of jeans costs.

Ages 14 - 15 - Start talking with your kids about getting a part-time job.  Summer is a good time to do this as their studies will not be jeopardized.  With a part-time job, you also  need to increase their contributions to the purchase of items such as cell phones, fun activities, etc.

Age 16 through college - This is a time when you need to teach them to successfully manage their money.  This is the age when spending gets our of control for those that don't grasp the concept that everything  you buy has to be paid for either now or later.  That plastic money is a loan and there are fees and interest that go with it.  They need to know bout checking accounts and that just because you have checks doesn't mean you have money.
Parents!  Once you have done your job teaching your children about money, don't bail them out if they make mistakes.  Making them own up to their financial mishaps from the start will make them better money managers and quickly learn that this responsibility must be taken seriously.

Here are a few links that you may want to explore for ideas:

Sense and Dollars (Maryland Public Television)     Wise Pockets World (University of Missouri)
 
Kids Club Picnic - Galaxies Annual Picnic...
Wednesday August 26, 2009. Henes Park 5:30 - 7:30pm. Register by calling:
Downtown Marinette 715-735-6617
Marinette Branch 715-732-4411
Crivitz Branch 715-854-7445
Picnic is free to all members. The cost for adults and guests is $3.00 per person. Fun!  Food!  Prizes! Games!

FIND THE WORDS
Things You Might Find in a Bank:

P E N N Y B A B I N C Q G A C L
R E L L E T B R I B H S P S P O
B O G M W A C N R A E I M A S A
J L F E H E K I E L C L O E P N
K I N K D N O C R I K Z N D Q O
D T O H I O G K V K S I E S P F
Y X F D M A L E W A A B Y D E F
L C T M E H C L K P U M K P T I
M V W F R E K P A C A L K B E C
V U O D L D M E G R O Y T O F E
Y Q U A R T E R G P C A T C B R
Z U S A F E D E P O S I T B O X
B T T F R N H F I F T Y C M F I
R A L L O D R E V L I S E N O M

 ATM;  CHECKS;  DIME;  DOLLAR;  FIFTY;  LOAN OFFICER;  MONEY;  NICKEL;  ONE;  PENNY;  QUARTER;
SAFE DEPOSIT BOX;  SILVERDOLLAR;  TELLER;  TEN;  TWENTY;  TWO;  VAULT
 
Joke Answers:
1. Robber Ducks, 2. Stork Market

CozMoose's Newsletter         Picnic Pictures         Cool Learning Links