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To: carranza2 who wrote (118820)	5/15/2002 6:23:18 PM
From: Wyätt Gwyön	Respond to of 152472

yep, i agree. after elementary school, i think a one-semester course in practical finances would probably be more valuable to most people than anything else they take all the way through college. the proof of this is that Americans are so bad with their money. of course, the rest of the world is willing to finance the trade gap at cheap rates (as recently as a decade ago, 125% mortgages were uncommon if not unheard of) and keep the dollar propped up, so maybe they're the fools. for the time being, anyway.

To: carranza2 who wrote (118820)	5/15/2002 6:27:01 PM
From: Maurice Winn	Respond to of 152472

<My kiddo is 5-years old and I therefore have a tabula rasa to write upon. He'll learn. > Rewards are where it's at! But be careful about rewards. Sometimes what you think of as a reward has another effect. The rewards need to be seen from the child's point of view. People often end up rewarding bad behaviour. "If you stop screaming, I'll buy you a lolly!" to avoid a commotion in the supermarket. Next time the child goes to the supermarket, you can be sure they will scream blue murder at louder volume. Mqurice