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Money is one commodity that is needed in order to sustain life at a decent level. With money people can buy food, clothes and have a place to stay. In addition, money is needed to buy things to make our life better such as cars, homes, electronics and other items. Because of the importance of money, people need to learn and appreciate it at a young age.

Kids start learning about money at a relatively young age. From the time that they begin to learn how to count, they can start learning how to count money. Also at a very young age, kids can start to find out that money is needed in order to buy items. Whether it is buying toys, magazines or games, children find that they need money to purchase these items. Because they learn to need money, children can begin to have an appreciation for money and to learn how to acquire the money that is needed.

To learn how to appreciate money, parents can help teach kids at a young age. The education of these kids can continue for many years. The early lessons that parents can teach children can last for years. In addition, teachers are able to provide basic information about the importance of money through their teen years. The lessons that are taught children can help plant the seeds of financial education through adulthood.

To help parents, children and educators, we have gathered a number of useful resources about money and money related topics. We have included a number of links of educational resources on money, to help learn more. We hope this guide is helpful to all. Please feel free to look over these resources and use them to help teach children about money.

United States Money Information

• U.S. Currency - information on the various types of currencies which are produced in the United States.
• Money for Kids - fun and informative site for kids teaching them about a number of money related topics.
• Coins and Currency – useful information from the Treasury Department discussing the types of currency and coins used.
• New Money – informative resource outlining the new designs of money that have been put into use.

World Money

• Money of the World – information showing the various types of currency that is used around the world.
• History of World Money – educational and informative site covering the history of world currency and coin.
• Money and World Currency – images and information on different kinds of currency that is used around the world.

Counting Money

• Counting Money – worksheets that teachers and parents can use to teach children how to count money.
• Basics of Counting Money – helpful site used to teach kids the basics of counting money.
• Money Flashcards – site helping teach children about money and how to count money.
• Money Tutorials – information and tutorials to produce lessons for children about counting money.
• Counting Coins – fun site for kids teaching them some basics about how to count coins.

Online Money Games

• Teaching Kids About Money – helpful collection of games and online resources which will help teach kids about money.
• PBS Money Games – online games aimed at teaching kids about money.
• Money Games – informative educational site which has many games and activities teaching kids about money and finances.
• Money Skills and Games – site for older kids providing information, facts and games to learn about money.

Online Money Activities

• Activities and Games for Kids – resourceful site with math activity and games for kids of various ages.
• Money and Coins – online activities teaching math concepts that are used in money and coins.
• Money Activities – informative site teaching various money concepts and ideas through a series of games and activities.
• Kids Math Games – fun collection of activities and games for kids to learn about math and finances.
• Money and Math Games – useful resources and games for kids to learn about money through math.

Spending and Saving Money

• Spending Money for Kids – informative site providing kids with information that they can use about spending money wisely.
• Kids and Money – helpful site for kids and adults with information on how to use an allowance sensibly.
• Children Spending – information on how to teach your children how to wisely spend money.
• How to Save Money – useful information on how kids can be taught to save money for purchases.
• Money Saving for Kids – government site with information and tips on how to save money.

Other Money Resources

• Kids and Money – site containing information for kids about a variety of money topics.
• Kid Money Resources – collection of resources for kids and parents about money.
• Money Resources for Kids – resourceful site with links for kids about money and finances.
• Kids and Money – educational resources for kids teaching them about money.

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The Silk Road, a historical labyrinth of interlinking trade routes, stretches across East, South, and Western Asia and connects to the Mediterranean, European, and African continents. In addition, traders used sea routes extending from the Red Sea to China, East Africa, India, and Southeast Asia. The Silk Road received its name from the lucrative silk trading business, which started with the Han Dynasty between 206 BCE and 220 CE. Zhang Qian was the earliest traveler of the Silk Road who expanded it around 114 BCE through his missions and explorations. The Silk Road contributed to the development of great civilizations, including China, India, Egypt, Persia, Arabia and Ancient Rome. The Silk Road was an open gate for various goods, such as silk, hemp, satin, musk, spices, jewels, perfumes, and even slaves. Other non-tangible items, such as ideologies, cultural influence, and diseases traveled along the Silk Road. Concisely, the Silk Road paved the way for modern trade and barter.

The Earliest History of the Region

Traders were exchanging nephrite jade from the regions of Yarkand and Khotan to China during the 2^nd millennium BCE. The nephrite jade mines were relatively close to the lapis   lazuli and spinel mines of Badakhshan. Travelers would use routes across the Pamir Mountains before the development of the Silk Road. Earlier relics, such as the Tarim mummies, suggest that ancient contacts between the East and West civilizations did occur. The introduction of gold from Central Asia allowed for imitation steppes, artistic designs of animals in combat, to blend across cultures through the existing trade routes.

Scythian cultural expansion from the Hungarian plain and the Carpathians toward the Chinese Corridor linked Iran and the rest of the Middle East to Northern India and the Punjab. The Scythians joined forces with the Assyrian Esarhaddon to invade Ancient Egypt. These nomadic tribes were influenced by the settled civilizations for various technologies and commodities. Over time, long distance merchants settled down along these trade routes as a source of income. Soghdian Scythian merchants would later play an important role in the latter stages of development of the Silk Road.

The Nature of the Silk Road

The original trade routes began from the capital in Changan, reached into the Gansu corridor, and ended in Dunhuang near the edge of Taklimakan. The northern route connected through Yumen Guan and the Gobi desert to Hami and then finally through the Tianshan mountains. The southern route split at Dunhuang and passed through the Yang Guan, while nestling through the southern edges of the desert. Numerous other branches parted from the southern and northern routes. There was no sole purpose for the construction and use of the Silk Road. In fact, traders would exchange an array of goods, including silk, gold, ivory, exotic plants and animals, precious stones, glass, furs, jade, bronze objects, lacquer, iron, and even slaves. The Silk Road served as an intermediary between civilizations that allowed for cultural influence, adoption of ideologies, ideas, and innovation.

The Development of the Silk Road

The expansion of the Silk Road attracted both merchants and bandits due to the transportation of precious goods through the Gansu Corridor and the Taklimakan. Bandits knew the terrain well enough to plunder existing caravans. In fact, caravans harboring goods were equipped with defensive forces, which added to the cost of merchants transporting their merchandise. Fortifications were built along portions of the Gansu Corridor, Yumen Guan, and the Great Wall of Jiayuguan. Despite these efforts to defend the Silk Road, most of the efforts were in vain as the Chinese regularly lost control of these sections.

The Hans dynasty constructed their local government near the northern border of Taklimakan to protect the states within the area. Other settlements positioned themselves along the way, whereby the trade and cultural influence could positively sustain the nomadic tribes. Most merchants traversed a percentage of the Silk Road to sell their wares and other items before returning home. As a result, goods tended to exchange hands several times before finding its owner. Local people guided the caravans over the most dangerous sections of the Silk Road.

The regular trade between the nomadic tribes and other merchants led to the spread of religion, especially Buddhism, which came from India to China along the northern branch of the Silk Road. In fact, large clusters of grottos can be found along the Silk Road, which now serve as storehouses for ancient documents revealing intimate details about this magnificent trade route. Christianity also had an impact on the development of the Silk Road. In 432 AD, the Roman church outlawed the Nestorian sect, which forcibly pushed these peoples to the East. The first Nestorian church was consecrated at Changan around 638 AD and survived many attempts to wipe them completely off the Silk Road.

The Greatest Years

The Silk Road did not reach its pinnacle until the reign of the Tang Dynasty during the time of internal stability within China. During this reign, Chinese traveler Xuan Zhuang traversed the region with the intention of obtaining the Buddhist scriptures from India. Upon return to the Tang capital at Changan, Zhuang was permitted to build the “Great Goose Pagoda,” which housed more than six hundred scriptures from India. Zhuang was a significant influence in the development of Buddhism in China.

The Tang Dynasty also contributed to the connection between art and civilization. Changan developed into the one of the largest and structural cities of the time, with more than two million people residing in the city itself. Changan housed more than five thousand foreigners from Turkish, Iranian, Indian, Japanese, Korean, and Malays descent. Many of these foreigners were missionaries, merchants or pilgrims. Despite trading many exotic and valuable imports, the Chinese often regarded these foreigners as barbaric.

The traffic along the Silk Road subsided after the Tang Dynasty, mainly because of the future dynasties incapability to maintain internal stability. Western territories were not fully aware of China’s foothold on the Silk Road before the days of the Alexander the Great. Trade relations were only greatly affected after the rise of Islam, which caused an overall rift between the east and west. However, the Mongols would create the most tumultuous time for the Silk Road and its inhabitants.

The Mongols

The Mongols were strong advocates of merchants and trade. Silk Road merchants provided Genghis Khan with information about the surrounding cultures, and served as diplomats for the Mongols. The Mongols relied on these merchants for goods since they produced little of their own. Merchants and ambassadors with the proper documentation could pass through Mongol territory unscathed. Stores arose due to the increasing overland trade of the Silk Road. One of the best known travelers to travel to East was Marco Polo. Rabban Bar Sauma, a Chinese Mongol monk, made a comparable journey by traveling from East to West. William of Rubruck, a European missionary, also traveled to the Mongol court on orders from the Pope to convert those receptive to the message.

After the succession of Genghis Khan, Ogedei and Guyuk allowed the merchant and partnership business to flourish for the benefit of the Mongols. Merchants traded clothing, food, and other goods with royalty in exchange for tax exemptions. Merchants were requited for any losses that were accrued from thievery. The Great Khan Mongke imposed some restrictions on merchant businesses due to money laundering and over-taxation. In fact, Khan Mongke imposed commercial and property taxes on all merchants.

The Decline of the Silk Road

The Mongol Empire was the fabric to hold the Silk Road together. Once it collapsed, the entire political, cultural, and economic structure fell apart. As a result, Turkish tribes took control of the western end of the Silk Road, which was the earliest stages of the Ottoman Empire under the Sunnis. The native Chinese overthrew the Yuang Dynasty in 1368, which launched the Ming Dynasty and the promotion of an isolationist economic policy. Additionally, it became increasingly more profitable for nations to trade via sea route, mainly because of tribal politics and middlemen. However, sea traders found themselves victims of horrible storms and pirates. In short, the political climate of the time vastly contributed to the deterioration of the Silk Road.

Foreign Influence

A resurgence of interest among western scholars in the Silk Road occurred around the 19 ^th century. During this time, various countries had explored the region with interests of expanding their power and territories. The British wished to consolidate some of the neighboring Indian land. Swede Sven Hedin, an established cartographer and linguist, explored the Silk Road with an interest in learning the landscape, investigating legends, and recording the ruins he discovered along the route. Hedin’s exploration triggered a surge of archaeological explorations, including famous western scholars, such as Sir Aurel Stein of Britain and Albert von Le Coq of Germany. Most focused on the discovery ancient Buddhist origins. The treasures and ruins of the Silk Road are now scattered across museums in over a dozen different countries, with highlights of manuscripts with a scholarly interest in deciphering their meaning. The Chinese have understandably frowned upon these archaeological explorations citing the action as “treasure seeking” with no appreciation of cultural preservation.

The Present Day

The Silk Road increased its overall importance in modern times. Modern excavations have focused on unearthing oil reserves underneath the surrounding desert. In fact, many industries have made efforts to westernize this area, including the present capital of Xinjiang. The Silk Road has also been opened for modern trade between the former Soviet Union and Xinjiang. The Central Asian republics relied heavily upon the contributions of the Soviet Union for their industrial development. The Silk Road has been heralded as one of the major influences in the progression towards a socialist market economy in China. Additionally, many nationalities have engaged in cross-border trade across the Silk Road, including Kazakhstan and Uzbekistan.

Restoration and Tourism

The Silk Road has attracted the interests of western tourists to explore this ancient trade route in the last century. The composed letters by Stein, Hedin, and others have opened the eyes of tourists aiming to explore the mystery behind this route. Many are intrigued by the stores of Marco Polo and other travelers. The Chinese have made efforts to restore and preserve this route by tapping into the potential of opening it to the general public. The Mogao grottos attract annual tourists due to the artistic displays layered within the structures. The Silk Road still has many different areas that need excavation and restoration before it can be opened to tourists. Even in the well-developed areas, tourists find it difficult to travel around due to harsh climate and rugged territory.

Follow these links to learn more about the mystery of the Silk Road:

• Trade Routes: Trade and Transport on the Antique Silk Road: The Silk Road earned its name with the trade of one of the most important articles of merchandise during its time. The Silk Road was often traversed between the 2^nd century BC and the 8^th century AD.
• The Silk Road: An article describing the roots of the original routes of the Silk Road, a trade route connecting between the Mediterranean Sea and China.
• Silk Road – Introduction: An introduction to the historical background of the Silk Road. It was first traveled by General Zhang Qian of the Han Dynasty between 206 BC and 220 AD. The Silk Road flourished during the Tang Dynasty between 618 and 907 AD.
• Silk Road: Spreading Ideas and Innovations: An essay describing how the Silk Road helped facilitate the spreading of people, goods, ideas, ideologies, and innovations.
• The Silk Road and Arab Sea Routes: A detailed map and description of the Arab Sea Routes connecting to the Silk Road. The Silk Road was the longest endured trade route in human history, with a time span of nearly 1,500 years.
• Trade between the Romans and the Empires of Asia: A thematic essay describing the trade between the Roman, Parthian, Kushan, and Han Empires along the Silk Road, which consisted of the spreading of ideas, beliefs, and customs.
• The Origins of The Silk Road: An article revealing the origins of the Silk Road, including the early history of the region, the nature of the route, the development of the route, the flourishing years, the barbaric invasions, the decline of the route, foreign influence, and present day influences, including restoration and tourism.
• Silk Road Exhibitions at the Arthur M. Sackler Gallery and Freer Gallery of Art: The Smithsonian Institute’s tribute to the Silk Road, including various art galleries and exhibitions, such as sacred sites, hidden caves used as places of worship, relics based on Hamza, and the cultural arts of the Silk Road Empires.
• Historic Silk Road: The Silk Road was referred to as the “Silu” in ancient Chinese. The Silk Road was ancient strategic transportation channel used to trade goods, fortify defenses, spread economic and cultural influence, and promote ancient Asian Empires.
• Traveling China’s ancient Silk Road: A modern account of China’s ancient Silk Road as described by MSNBC’s correspondent Elizabeth Dalziel.
• Exploring the Silk Road: A website dedicated to teaching users about the Silk Road and the culture that emerged from it.
• Xi’an and the Silk Road: Information about the development of the Silk Road and China’s history.
• An Introduction to the Silk Road: Maps and basic information about the Silk Road.
• Silk Road Resources: A collection of links about the Silk Road and Asian culture that has influenced world cultures.
• Silk Road Trivia: Questions, answers and fun facts about the Silk Road.

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At a very early age children start to learn the value of money. They start to get money for birthdays and special occasions, they get money from the Tooth Fairy and when they are a little older start to do small chores around the house to earn money. Very quickly children also learn that having money can mean that they can buy candy, toys or games with the money. These are the first steps that children take in learning about the importance of money.

But, the education of children as they grow older do not stop with allowances or impulse purchases of candy or gum.   The teen-aged years are some of the most important years in the financial education of children. During their years as a teenager money becomes a more important factor in their life where buying video games, clothes and other purchases start to take priority. It is also during these teen years that children start looking at getting first jobs, saving money and other important parts of their financial life.

These first steps are important in the financial well-being during the teen years and well into adulthood. To learn more about financial education, teens can get knowledge from parents and teachers in many ways.  These important concepts such as saving money, learning how to budget, getting bank accounts and finding our the pluses and minuses of credit are things teens can learn and use as adults.

To aid parents, teachers and teens learn more about the world of money, we have put together a brief resource guide. Please feel free to browse these resources and learn more about money and finances.

Saving Money

• Kids and Money – information and guide to helping kids learn about the importance of saving money.
• Teen Money Management – informative website providing help and information for teens on various money topics.
• Kids and Money – useful information for kids and teens on how to effectively save money.
• Saving Money – information from the government on saving money for younger teens.
• Kids Money and Finance – activities and information for kids on a number of finance and money topics.
• Kids and Money – useful collection of resources and information for kids and teens about saving money.

First Jobs & Earning Money

• Teens and Employment - information on why it is important for teenagers to get jobs.
• First Jobs For Teens – guidelines for teens and parents on how they can work together to find a first job.
• Teens and Work – useful site discussing the ways that teens can find work.
• Teen Money Talk – informative site containing helpful information and ideas on how parents can discuss earning money and other financial topics with teens.

Budgeting Ideas

• Developing a Budget – information on how to have teens and kids get involved in establishing a budget.
• Allowance and Budget for Teens – useful resource that can help teens and parents in developing a budget and allowance.
• Teens and Money Management – teen friendly suggestions on how to budget money for their future use.
• Teen Budgeting Basics – simple ideas on how teens can better manage their money by budgeting.
• Budgeting with Teens – helpful educational site providing parents with help in teaching teens about budgeting.
• Teen Budgeting – useful site providing financial skills for teens including budgeting ideas.

Bank Accounts

• Selecting a Checking Account – information for parents and teens on how to select a checking account for the teenager.
• Teen Checking Accounts – helpful site providing tips on opening a first checking account for a teen.
• Money Saving Tips – useful information for teens and younger in setting a savings goal.
• Bank Account for Teens – information on choosing a bank account for teenagers.

Credit

• Teens and Credit Card Debt – information on the pitfalls of credit card debt for teenagers.
• Teen Credit Cards – informative site giving parents and teens information on credit cards and financial responsibility.
• Teenagers and Credit Cards – useful information on the potential problems of teenagers and misusing credit.
• Teens and Credit History – educational site for teenagers teaching them about credit and credit history.
• Building Credit for Teens – helpful site showing teens how to wisely build up a credit history.

Financial Education Resources

• Jumpstart for Kids – information for kids and teens providing helpful financial information.
• Financial Activities – helpful resources containing financial activities for kids and teens.
• Resources for Students – informative site for teachers and students in providing financial education.
• Financial Literacy for Teens – site for teenagers providing information on a number of financial topics.
• Financial Literacy Resources – guide to teenage financial literacy providing information and resources for younger and older teenagers.

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Imagine you go to a food market. You buy a box of apples for $1 each. The next day, you open up a stall in the market and sell each of your apples for $2 each. At the end of the day you’ll find that you have doubled the original amount you spent. Perhaps some of the customers might realize that your prices are higher, and they’ll go elsewhere instead. The stock market works in a similar way, although stocks are not physical things. Instead, a stock represents a percentage of the company. For example, if a company has a hundred stocks for sale and you buy just one, that would mean that you own one percent of that company.

The great thing about the stock market is that you can buy stocks from many companies and sell them when you wish. People buy the stocks in the hopes that the company will be successful and make a profit. When this happens, the price of the stock rises, so each of the stockholders get a share of the profit. If they see that the business is not successful anymore, then they sell their stocks quickly, before the price drops too low. People who trade in the stock market use online tools and programs to help them monitor how the market in general is moving, as well as how individual companies are doing. Unlike our example, where a customer might just buy one apple, stock traders buy large volumes of stocks. To understand how the stock market works, it is also important to learn the basics about the economy as well.

Interested in the stock market? Explore the following resources to learn more!

• A Basic Guide to the Stock Market
• What Exactly is a Stock?
• Stock Market Facts and Links
• The 1929 Stock Market Crash
• Play StockQuest, an Online Stock Market Game
• A Cartoon Movie on The Stock Market
• The Stock Market Dictionary for Kids
• Common Questions About Stocks for Kids
• A Quick History of the Stock Market
• Investing Tips for Kids
• How Do People Make Money Through Stocks?
• What Do Economists Do in Their Jobs?
• Do You Need Math to Trade Stocks?
• Play the Savings and Investments Game
• Team Up with the Centsables!
• A Stock Portfolio WebQuest
• How Much Do You Know About the Stock Market?
• Read a Fun E-Book on How the Economy Evolved
• What If You Were in Charge of the National Economy?
• Test Your Knowledge Of Stocks and Bonds
• Can You Invest Responsibly?
• Find Some More Investing and Stock Games!
• Learn How Wall Street Works
• An Activity on Historic Stock Market Moments
• Which is the Best Investment?
• Practice Making Your Own Stock Portfolio
• What Was the Great Depression?
• Try a Webquest to Learn About the Great Depression
• A Stock Market Online Adventure
• You Are Invited to Join an Investment Club!
• The Great Depression and Stock Market Crash
• A Free Stock Market Learning Tool for Kids
• Biz Kids Talk About Money and Investing
• Junior Achievement Presents Saving & Investing
• Can You Save the Stock Market?
• Watch a Video that Illustrates the Stock Market
• Play Stock Market Mania!
• An Activity to Learn About the Stock Market

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Technology has become highly advanced and is used in almost every aspect of our lives. Yet most schools continue to fall behind when it comes to integrating forms of new technology into the classroom. Technology has allowed educators to move beyond traditional blackboards and chalk. Modern technology has given educators the ability to teach with the use of computers and other electronics. Students are able to research information in a matter of seconds. Tests and quizzes can be taken electronically and course materials can be easily accessed from any computer. Computer-based instruction can also provide instant feedback to students, allowing them to learn more in less time. Many schools are just beginning to learn about the true potential that digital learning has to offer educators and students. When technology is properly executed, students can acquire the skills they need to thrive in a technological-based economy.

Resources for Teachers

• Educators Guide to Evaluating Technology in the Classroom: Evaluation of technology by educators and why it is important to integrate into the classroom.
• Computer-Mediated Class Discussion: Article discussing how large groups of students can set up a community discussion through computer-mediated classrooms.
• Simplified Technology: List of instructions for various types of projects using technology.
• A Teacher’s Guide to Distance Learning: Comprehensive article with information on virtual learning, mentoring and tutoring distant students and ways to use technology in distant learning situations.
• Technology Education Lab: Resources for a range of topics that can be used in combination with technology, including science, math and other K-12 subjects.
• Scholastic – How to Set Up Computers In Your Classroom: Tips for educators on how to set up computers in a classroom for one or more students.
• Technology Tips for Teachers: Detailed website containing information on technology-oriented student projects, internet resources, handouts and more.
• Creating Integrated Lessons: Instructional webpage on creating integrated lessons and presenting and publishing them on the web.
• Some Thoughts on the Use of Internet in Schools: Article discussing thoughts on the use of Internet in schools and what problems can arise with school computers.
• Guide for Planning Student Internet Experiences: Step-by-step instructions for educators on how to plan successful student Internet experiences.
• Online Learning – Module Maker: Details on how to use a module maker to give structure to students in their research efforts.
• Computer Teaching Lesson Plans: Compilation of technology-based web quests, lessons, games and activities for students.
• Active Learning on the Web: Research on different ways to teach on the web, such as through web quests and newsgroups.
• Word Processing Ideas: List of activity ideas for students using word processing programs, such as free-writing, musical computers and using grammar checkers.
• Beliefs, Practices and Computer Use of Teacher Leaders: Advice on integrating technology into the classroom for teaching and learning.
• Using One Computer in the Classroom: Tips for educators on how to successfully use a single computer in a classroom of students.
• Technology and Instruction Interwoven: Help for educators on using technology in the classroom by discovering new technology tools and using technology to support instruction.
• Virtual Field Trips: Field trip web-based tool to bring students to interesting locations on the web.
• Teachers First: Collection of K-12 teaching resources for each grade level and subject.
• Technology-Rich Learning – Literature Technology Connections: Resources for educators to help them learn more about providing a technology-rich experience for students.

Resources for Students

• Create Your Own Web Page: Step-by-step instructions on how to create a web page and publish it on the web.
• Student Technology Resources: Resources that give students with computer support, useful technological tools and e-mail and Internet information.
• Introduction to Web Browsing: Article about the different types of web browsers and how they are used to search for information.
• Kids Homework Helpers: Students can search for information to get homework help on a variety of subjects.
• PowerPoint in the Classroom: Directions for students on how to create a PowerPoint presentation.
• Ethics in Computing: Information on computer ethics, such as computer abuse, speech issues, social-justice issues and more.
• Get Net Wise: Collection of how-to technology videos, information on keeping safe while online and tips for protecting your computer.
• Internet Island: Interactive webpage that allows students to learn a lesson in marine biology.
• Quiz Hub: List of K-12 educational quiz games in a variety of school subjects that are iPad compatible.
• School Spreadsheet Safari: History of spreadsheets and how to use them to learn on the web.
• Excel Tutorial: Basic excel tutorial with information on inserting columns, entering specific formulas and formatting text.
• Keyboarding Can Be Fun: Fun Internet activities for students that give keyboard typing practice.
• Create a Graph: Students can create a bar, line, area, pie or XY graph through this interactive activity.
• Read Write Think – Student Materials: Educational web-based activities for students learning on the web.
• Middle School Technology Integration: Student projects that use computer software, with as Paint, Word and PowerPoint to learn math.
• About Computers: Lessons to teach students about technology and computers, including information on DOS, organizing files and the parts of a computer.
• Middle School Computer Lessons: Computer lessons for middle school students, such as word processing, web pages and software.
• Absolute Beginners’ Guide to Using Your Computer: Interactive guide for beginners on how to properly use a computer.
• Free Computer Tutorials: Free programming courses for students on using Microsoft Word, Excel, PowerPoint and other software.
• Free Computer Training: Computer tutorials for beginners on various computer topics, such as email, social media, Google and Open Office.

Resources for Parents

• Should Technology Be Part of Your Home school Curriculum?: Article for home school parents on the pros and cons of using technology in the classroom.
• Future of Homeschooling: Information on technological advances in the home school classroom and how it can improve the learning experience.
• Technology Tips for Parents: Tips for parents learning to use technology, such as surfing the net and common technology terms used by students.
• Assistive Technology Resources for Parents: List of assistive technology resources for a variety of subject matters to aid parents.
• Cyber Savvy Teens – A Guide for Parents: Information for parents on teaching proper Internet use to children and teens. [PDF]
• Kids and Socializing Online: Guide to protecting kids online from social networking sites, blogs and virtual worlds.
• Parent’s Guide to Internet Safety: Risk factors that all parents should be aware of when their child uses the web.
• Home school Technology Projects: Collection of computer projects and resources for home school parents and teachers.
• Using Home school Curriculum with Today’s Technology: Article on how to improve the home school teaching setting through the use of technological devices.
• 21^st Century Technology for Students with Special Needs: Information for parents of special-needs children on how to use certain forms of technology to aid in teaching.
• Electronics for Home school: Details on how to properly use technology in the home school classroom for science activities.
• Using Technology to Expand Learning Opportunities: Benefits and resources on incorporating technology into the school day.
• Implementing Technology in Education: Research on implementing technology in education and its importance in modern classrooms.
• Digital Learning and Technology: Positive results seen from the increase of digital learning tools in the school and home school settings. [PDF]
• Multi-Media Presentations: Discussion on using multi-media presentations as a form of technology for teaching students.
• Digital Learning Environments: List of technological-tools that every educator should be using to improve the learning experience.
• Teaching with Technology – Creating a Classroom Website: Tips on creating a quality classroom website.
• Internet Activities for Foreign Language Students: Instructions for educators and parents on how to write activities for the web, reading strategies, web lessons and Internet options for the classroom.
• Using Electronic Whiteboards in Your Classroom: List of ideas, lesson plans and web sites that incorporate the use of whiteboards.
• Implementing Authentic Tasks in Web-Based Learning Environments: Article discussing the use of authentic activities to improve student interaction in online classrooms.

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Math is a very important subject. What do you want to be when you grow up? No matter what your answer is, you will need math to do it right. Some jobs use tougher math than others, but they all start with learning the basics.

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The first step to learning math is learning your numbers. It really is as easy as 1, 2, 3! Once you know all the numbers, at least from one to ten, you can learn how they work. School usually starts with addition first. Addition helps you learn when you have more of something. For example: you had one cat but then it had three babies. How many cats do you have now? Subtraction is the opposite of addition. With it, you learn how to take a number away from another one. For example: you have six pieces of candy but then you give one to your friend Biff, one to your friend Melanie, one to your friend Christina and one to your friend Paul. How many pieces of candy do you still have?

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Endangered Animals of the World

Over the past century, an alarming number of animals have become endangered or even extinct. Extinction occurs when a species is completely wiped out due to various threats or extreme changes to its natural habitat. Endangered species are those that currently face a likelihood of nearing extinction. While some species become endangered due to natural causes, many are affected because of human activity. For example, destroying rainforests in order to use the land for development means that a lot of animals lose their natural home. It is very important for humans to learn to maintain a balance and live harmoniously with animals. Even more importantly, we should all make an active effort to protect those animals that are now endangered. If everyone does their bit to help, it is indeed possible to help those animals face less of a risk. Below are fifteen types of animals that you will probably recognize easily. Read on to learn about why their numbers have been rapidly declining in recent years and what you can do to help!

Panda Bear

Pandas are so well known as an endangered species that they are even used as part of the World Wildlife Fund’s iconic logo. One of the biggest reasons attributed to the decline in the panda species is the destruction of its natural habitat. Farmers in China have gradually been claiming more and more of the land. As a result, pandas are forced to move away to places where it is hard to find bamboo for food.

1. Pandas and their Habitat
2. Learn Why Pandas are Endangered
3. Steps Taken to Help Save Pandas

Green Turtle

The green sea turtle species has survived for several millions of years, so you might wonder why it’s only becoming endangered now. A major cause is the change in climate and temperature, which both affect the hatching rates of turtle eggs. Climate changes also cause violent weather and rising water levels to demolish areas where turtles usually go to lay their eggs. Apart from this, oil spills and other toxic pollution, as well as increased fishing activities can cause sickness, impairment or even death to the green turtles.

1. Green Sea Turtle Facts and Videos
2. Find Out How Green Turtles Lives and How to Help Them (PDF)

Cheetah

Cheetahs are famous for being the fastest animal on land but even they can’t run from some of the larger threats that have jeopardized them. Like the panda bears, cheetahs have gradually been losing their natural homes due to humans claiming land and developing in those areas. To make matters even worse, smaller animals move away when these areas are compromised, which means that the cheetah has less food! Don’t forget that other large animals, such as lions, are also fighting for any food that they can find, so occasionally cheetah cubs end up as prey too.

1. See How the Cheetah Has Struggled to Survive
2. An Introduction to Cheetahs and Why They are Endangered
3. Facts About Cheetahs

Indian Elephant

Elephants are extremely intelligent animals and also the largest mammals that live on land. Did you know that baby elephants are not only protected by their own parents, but by the entire herd? Sadly, in Asia many elephants were killed so that people could remove their tusks to use as decorative objects. While this practice has been banned now, some people still illegally continue. Forests in India have also been steadily destroyed and elephants are sometimes killed when they end up on human territory.

1. Asian Elephant Facts and Images
2. A Class Lesson Plan on Elephants and Conservation (PDF)

Sea Lion

Sea lions are actually mammals that can live in water for extended periods of time. They have faced many different types of threats, such as polluted waters, hunting by humans, oil spills, climate change and more. Sea lions were once hunted as a source of food by humans, and later they were blamed for taking fish from fishermen and subsequently killed. It is now illegal to kill sea lions but they still die at the hands of humans. For example, they may become tangled in fishing nets or accidentally maimed or killed by fishing or boating equipment. Like many endangered species, sea lions also face a reduction in their food supply and if they lack proper nutrition, they can become sick and weak or die.

1. Learn All About Sea Lions
2. A Quick Guide to Sea Lions

Hippo

There are two main categories of hippos. Common hippos are the large species that we can generally see at zoos. These hippos are considered vulnerable, which means that they are close to becoming endangered. The other category of hippos is the pygmy (dwarf) hippo, which is already considered endangered. Hippos have been dwindling in number due to illegal hunting. Hunters prize them for their meat as well as their teeth, which are made of ivory. Pygmy hippos also face an added risk of homelessness as forest lands become increasingly reduced.

1. A Look at the Daily Life of Hippos
2. Hippo Facts and Threats

Gorilla

Gorillas are one of the species that are quite similar to humans. Despite this, they are still threatened by us in several ways. Gorillas live in forests as well as mountains. Those that live in forests have encountered the loss of their natural habitat as well as hunting by humans. In the mountainous regions, other types of gorillas are also in danger due to the changes in climate. Altered temperatures in these areas leads to changes in the natural plant life. In turn, the gorillas may encounter fewer sources of food to sustain them.

1. Threats to the Gorilla Species and Their Habitats
2. Meet the African Mountain Gorilla
3. Read About the Eastern and Western Gorillas
4. What Happens When Gorillas Lose Their Home?

Red Wolf

Red wolves are smaller than the well-known grey wolves and they can usually be found in the south and eastern forest areas of North America. Cutting down forests has created a dramatic reduction in natural habitable land for red wolves. Additionally, illegal hunting, collisions on roadways that run through their areas and violent storms due to climate change have caused red wolves to become endangered. Even more significantly, they tend to interbreed with coyotes, which further reduces the number of healthy red wolves.

1. Red Wolf Facts and Recover Program
2. Discover How the Red Wolf Lives
3. An Easy Guide to the Life of the Red Wolf

Galapagos Penguin

If you thought that penguins only live in the North and South Poles, think again! Galapagos penguins live in the Galapagos Islands that lie very close to the equator. These kinds of penguins cool down by swimming. Since they depend on the ocean to bring them fish to eat, they are greatly affected by increased fishing by humans as well as changes in the weather. Shockingly, there are less than a thousand breeding pairs of Galapagos Penguins left in the world!

1. Basic Information About Galapagos Penguins
2. Quick Factoids About Galapagos Penguins

Polar Bear

Polar bears are extremely skilled at living and hunting in freezing temperatures. Even though their natural habitat is relatively isolated most of the time, they are greatly affected by the overall rise in the global temperature. Polar bears have a thick layer of fat and fur to help them stay warm. Did you know that even in what we consider to be cold weather, many polar bears actually run the risk of overheating? The rising temperature also means that more ice is melting, which reduces the areas where polar bears can rest and hunt.

1. Common Questions and Answers About Polar Bears
2. Lives and Risks of Polar Bears
3. What Are People Doing to Save Polar Bears?

Chinese Alligator

Chinese Alligators are smaller than the ones we know in the United States. They survive best in lush wetlands, but sadly these areas have been steadily destroyed by humans in favor of building rice fields. This poses the greatest risk to Chinese Alligators. Today they are being protected by breeding in zoos and other types of animal sanctuaries.

1. A Fact Sheet About Chinese Alligators (PDF)
2. Habitat and Lifestyle of the Chinese Alligator

Rhino

Rhinos can be found in various parts of Asia as well as Africa. They love the hot savannas of Africa as well as tropical forests. While habitat loss does pose some risk to them, they face a higher danger due to illegal hunting. Rhinos are prized most for their horns, which are believed to possess various medicinal properties in some cultures.

1. Compare the Different Types of Rhinos
2. Threats that Rhinos Face
3. Rhino Educational Activities and Conservation Ideas
4. Types of Rhinos and Dangers They Face

Sea Otter

The furry little sea otter is almost the smallest mammal that lives in the ocean. They thrive in shallow ocean areas and eat shellfish and other types of small sea creatures. Water pollution, illegal fishing and hunting and reduced numbers of prey are some of the main reasons why sea otters have been faring poorly in recent years.

1. Sea Otters and How They Live
2. Why Are Sea Otters Endangered?

Sumatran Tiger

There are many different species of tigers around the world and the Sumatran tiger is one of which are currently endangered. Hotter temperatures have been negatively affecting these majestic creatures as well as erosion and loss of their natural habitats. When tigers are forced to move towards areas where there is human civilization, they are sometimes killed in conflicts. Many tigers are also illegally hunted for their magnificent fur or teeth.

1. Find Out Where and How Suma tran Tigers Live
2. Factors that Threaten Sumatran Tigers

Manatee

Manatees, also known as sea cows, are large mammals that live in the water. They don’t have any natural predators, so under the right circumstances, they can live as much as sixty years. However, with human-related threats that include fishing and machine injuries, many manatees face an early death. Like many other marine mammals, destruction of their natural habitats is the number one factor that threatens manatees.

1. Facts About Manatees and Their Lives
2. What Do Manatees Look Like?
3. Learn How to Help Save Manatees
4. How do Manatees Live in the Water?

How to Help

In 1973, the Endangered Species Act came into effect with the main purpose of classifying the survival risks of animals and protecting those that are in danger of extinction. The ESA helps us to understand which species need help so that we can better focus our activities towards safeguarding them. We may think that saving an entire animal species is a very big and difficult task. However, if everyone helped out a little bit, it would all add up and make a huge difference! One easy way is to remember to reduce pollution by not throwing trash in rivers, beaches, forests and other natural areas. Another great activity would be to hold a fundraiser in your neighborhood or at school to help support non-profit organizations that rescue endangered animals. Spread awareness by talking to your family and friends about endangered animals. Many people might not even know that animals such as gorillas or hippos could soon be extinct! If you want to be even more proactive, look for a related non-profit group in your area and get in touch to find out about volunteering with them.

1. What is the Endangered Species Act and How Does it Help?
2. Get Involved and Protect the Animals
3. Learn About the Main Causes of Extinction
4. Suggestions to Learn and Help Out with Endangered Species
5. An Inspirational Look at How One Student Helped Stop Extinction

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Apart from having business colleagues, classmates and neighbors as friends, four-legged animals such as dogs and cats can also be very good friends to man. Just like good friends, pets contribute positively to human life. In fact, pets have several physical and mental health benefits. They are essential for both children and adults.

Pets make people smile a lot. This can help reduce tension and high blood pressure. Doctors who are aware of this health benefit strongly recommend pets in addition to drugs for ailments such as high blood pressure, stroke and arthritis. This may be the reason most homes have one or more pets. The physical health benefits of owning pets include: lower cholesterol level, normal blood pressure and normal triglyceride level. In addition, the pet owner will be more engaged in physical activities thereby increasing their chances of having stronger bones. In fact, dogs can even help to reduce cardiovascular stress. Patients that experience heart attack and stroke recover faster when they have pets around.

Pets also have some roles to play in developing one’s mental health. Since they are always around to boost one’s spirit, they help to decrease stress and depression. Older people that live alone often enjoy the company of pets until the holiday periods when their children come together again. Similarly, those who have lost dear ones feel better and healthier when they have one or more pets around. Owning pets can help people learn to be more caring. To get the mental benefits of having pets, it is encouraged to have quality time with them, just like people fix dates with their loved ones. Stroking the fur of the pet can make the owner feel very calm. While playing with the pet on a cushion or on the floor, you can tell it stories about your life, folk tales or about any thing that had happened earlier in the day. Naturally, sharing ideas and problems makes one feel better and doing this with a pet is even safer since there is no fear of telling any secret that will be conveyed to another person. In other words, the pet is also a very close companion that can be truly trusted. Again, pets help to fight depression by creating work for their owner. Many depressed people find it difficult to wake up in the morning to do some chores. However, with pets around, they are compelled to rise up early in the morning to provide food and attention. The owner also feels relieved when they takes their pet out for exercise. In some cases, they demonstrate the kind of exercise the dog should perform so they also exercise at the same time. Pets also seek the attention of their owners. This makes a pet owner feel important and capable of solving needs. Nevertheless, pets often display signs of love to their owners which make them feel happy.

Pets are also beneficial to the health of children. Fortunately, children and pets are very compatible so parents will not find it difficult to provide the essential benefits of pets to their children. Pets play roles in the social and emotional development of a child’s life. Furthermore, based on the hygiene hypothesis, children that have pets around them are always less prone to allergens and asthma attack. The hygiene hypothesis states that when children are exposed to allergens and bacteria very early in their lives (usually before they are one year old); they develop resistance to diseases and allergens as they grow up.

Kids with autism learn to communicate better with others when they have pets to nurture. Autism is a mental condition that can make it difficult for children to communicate and make friends. Also, ADHD (Attention Deficit Hyperactivity Disorder) can be treated with pets. ADHD is a condition that makes children inattentive to details. To derive these benefits, parents should buy a pet and teach their child how to take care of it everyday.

Most households in the US enjoy the health benefits of having pets. Many scientists have taken several tests to justify these health claims. Hence, it is encouraged for people to get one or more pets for themselves and children without further delay.

RESOURCES FOR MORE INFORMATION

• Pets and Pets for Life: This page highlights the health benefits of pets.
• The Importance of Pets for Older Adults: Learn how pets help to reduce depression and lower cholesterol level.
• Human and Dog Interdependency: This is an educational article on the importance of dogs to human lives.
• Pets and Women: This article explains the benefits of pets for women.
• The Role of Pets in Old People’s Lives: This PDF file discusses the influence of pets on personal identity, their roles in facilitating healthy activities and other important information.
• Pets and Health Claims: A discussion about the health benefits of animals.
• Kids and Pets: This page discusses how to introduce a pet to a new baby, reasons for adopting a pet, and how to train pets to tolerate children.
• Care for Animals: This page has links that direct people to pages where one can learn how to take good care of pets.
• Benefits of Pet Ownership: Get adequate information on the importance of pet ownership through the links on this page.
•  Pets and Children: Facts on this page include how to choose a pet, how pets affect children, and advantages of pet ownership.
• Pets Benefits: Discover some of the health benefits of pets on this page.
• Pets in the Society: This page highlights the benefits of pets for elderly people.
• Adopting Pets with a Past: This page addresses the importance of rescuing pets from shelters.
• Reasons for Pet Ownership: A PDF file that contains facts such as the need for companionship as a reason for pet ownership.
• Pets can Improve Your Health: The following health benefits are discussed on this page: pets as mood enhancers, their role in reducing cholesterol, blood pressure check, and more.
• Spring for a Dog: This PDF contains four reasons why it is good to adopt a dog.
• Pets and Your Health: This contains facts about the roles pets play in our health.
• How Pets Can Improve Human Health: A PDF file that discusses important reasons to get a pet, such as the need for mood enhancers, blood pressure check, and more.
• Child Care and Pets (PDF): Discover why children love pets, how to select pets for children, and what to teach children about pets.
• Allergies: A researched article on the role of pets in preventing allergies among children.
• Pets in the Home and Allergy in Infants: Learn more about how pets help to reduce allergies and asthma when they are introduced to infants.
• Dogs and Autistic Children: This article explains how dogs help autistic children to connect.
• Therapy with Children: This article discusses the role of dogs in treating ADHD.
• Animals in Adolescent Mental Health: A PDF file that explains the role of animals in improving the mental health of adolescents.
• Pets Provide Purpose: The importance of pets providing motivation and helping with visual deficit recovery are discussed in this article.

OptionsANIMAL gives permission for links to this post. For other requests email info at optionsanimal.com

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Free Trade reduces obstacles to American exports and guards the countries trading interests. Free Trade Agreements outline the negotiations between partner countries, detailing rules on importing or exporting product or services. By increasing the productivity of ally countries, FTA can also increase the rule of law within foreign territory. With these limited trade barriers, trade becomes more consistent and honest. It also increases transparency within the market. Free trade makes import and export of goods much more economical and enables trading partnerships from multiple countries.

Features of Free Trade

• Trading without taxing
• Trading-in without taxing
• Free markets
• Free market information
• Free Labor Trade
• Free Capital Trade
• No Market Distortion
• No Trade-distorting policies

Features of free trade include trading or trading in without taxing, barriers, tariffs or quotas for producers on goods. Also, there will not be any policies that may put one producer at an advantage over another. Again, this means no taxes, barriers, tariffs, quotas or subsidiaries, laws or general regulations that may make one producer more appealing than another. Free trade also means that producers can move their labor and capital from country to country. Producers within a free market should have full access to their market and honest information about the market they are in. Because of this, monopolies and distorted information are strictly forbidden.

History of Free Trade

The General Agreement on Tariffs and Trade was formed in 1948 to reduce tariffs on all customs in Cuba. This helped to produce free trade and caused 45,000 tariff concessions. After five more drops in tariffs, trade with Germany and Japan drastically increased. Free Trade Organizations began in Europe around the 1960’s. Oxfam’s Dutch division began producing goods through developing areas. Twenty years later there were already more than a thousand different third world producers within Europe. In 1995 the World Trade Organization overpowered GATT, forcing clearer mandates on free trade. There are currently 153 members of the World Trade Organization, engaging in free trade throughout the globe.

Economics of Free Trade

Tariffs have played many roles in world history, but the role tariffs play in trade is one of insulation and preservation. Basically, if a country produces a product at a price slightly higher than what another country might charge, the country importing the product to meet demand can place a tariff (or tax) on that product to raise the price for the consumer. While this practice by anti-free trade advocates may seem inherently dishonest, it actually stops other countries from undercutting (and therefore eliminating) a domestic industry. Perhaps it would be best to include an example.

For the sake of argument, let’s say the United States and Mexico both produced similar amounts of coal. The US, by virtue of a higher cost of production brought on by higher wages, insurance costs, and regulatory expenses, produces that coal for 50 dollars a ton. Considering that in 2001 the US burned 965 million tons of coal, American industry spent about 48.25 billion dollars in coal that year. If Mexico could meet that kind of demand and sell their coal, with the cost of production being much lower, at 35 dollars a ton, they would be able to sell 965 million tons of coal for about 33.75 billion dollars, Mexican coal would save American industry about 14.5 billion dollars a year.

The American government, knowing the monetary benefits of domestic coal production (especially in terms of taxes) then would place a tariff of 15 dollars or more per ton of coal, ensuring that American coal was still the coal of choice, at least in America. This not only preserves a rather considerable tax base, but retains American jobs. The loss of certain industries in the US would be catastrophic to far more than coal mining operations, and so the government steps in to protect the interests of its people.

Free trade advocates for the removal of these tariffs, stating that artificial barriers, such as tariffs, “restrict the flow of goods and services between trading nations.” According to the free trade movement, a removal of tariffs would increase production for those commodities in which certain countries have a comparative advantage. Giving a country a larger market within which it would sell its commodities lowers costs and ultimately increases productivity.

Furthermore, the movement states that a removal of tariffs would increase the efficiency with which goods were produced by encouraging new technology, marketing, and distribution solutions.

While those who support tariffs argue that a lowering of the price of goods is not good if domestic production cannot keep up, free trade advocates argue that this is a good thing for the consumer. Consumers can now afford a greater amount and variety of commodities. In terms of supply and demand, according to the free trade movement, each factor rises in direct correlation to the other. People will want more of something while at the same time more of that product is being produced.

Finally, in terms of employment, free trade advocates believe their movement would create jobs or at least provide a means of maintaining its current level. This is because, while they concede that, due to certain industries not being able to compete in terms of price, other industries would thrive, creating an increase in jobs in that market. Therefore, the thriving industry would be able to absorb the unemployed from a recently decimated domestic industry.

Free Trade in the United States

United States business owners hoping to import or export goods or services may require the protection of the US Free Trade Agreements. In fact, according to the FTA, forty-one percent of the United States exported goods were delivered to the partner countries of the FTA. Partners within the FTA have grown at a far more rapid pace, when compared to all other trade agreements in the world, for the past 2 years. The United States has 11 FTA’s with 17 countries in force. Partner countries include Australia, Chile, Jordan, Bahrain, Israel, DR-CAFTA (Dominican Republic, Costa Rica, Guatemala, El Salvador, Honduras and Nicaragua), Morocco, NAFTA (Mexico and Canada), Peru, Singapore and Oman. There are also FTA’s not in effect with Korea, Colombia and Panama. America is in negotiations for the Trans Pacific Partnership. This will be a regional FTA that includes Chile, Brunei Darussalam, Australia, Malaysia, Peru, New Zealand, Vietnam and Singapore.

There are other rights within a common FTA; including United States companies are allowed to bid on government procurements within the trade country. Also, US investors will be paid fairly if the investment toward the FTA partner was expropriated. Naturally, American service suppliers are allowed to provide their product or service within the partner country. Also American-owned property, including intellectual holds its rights within the United States and in the FTA partner country. Owners and exporters also have the right to be included and participate in the general development of their product. The most important aspect of the US FTA is the benefit to export without tariffs. If a partner country were to normally charge a percentile for incoming products, FTA partners will eventually negate all the fees for US partners. This means American business owners can export their product without any fees other than transportation cost. Because of the FTA rights, all companies have a fair chance at international trade and growth.
Please consult the following resources for further information on Free Trade.

• Free Trade Comparison – Compare the percent of world Gross Domestic Product in 2010 to the percent of American free trade exports.
• Free Trade Agreements – Learn with which countries the US has a free trade agreement.
• North American Free Trade Agreement (NAFTA) – Information about the current state and future of free trade.
• Free Trade Agreements – All about pending free trade agreements.
• U.S.- Korea Free Trade Agreement: Potential Economy-wide and Selected Sectoral Effects – What could happen if the US had a free trade agreement with Korea?
• Foreign Trade Zones – What are Foreign Trade Zones, and how can companies benefit from them?
• Free Trade Zones – FAQs concerning designated free trade zones within a country.
• NAFTA Rules and Regulations – All the intricacies of the North American Free Trade Association
• Free Trade Conference in Nicaragua – What happens as countries attempt to come to free trade agreements with one another? Here’s one example.
• Labor-Related Reports for U.S. Free Trade Agreements – All about how free trade has affected employment in the US, as well as how it affected labor rights.
• The Full Text of US Free Trade Agreements – Read free trade agreements in their original terms.
• Pros and Cons of Pursuing Free-Trade Agreements – Further information concerning the advantages and disadvantages of free trade.
• North American Free Trade Agreement – The full text of the North American Free Trade Agreement.
• U.S. Free Trade Agreements – FAXs about how free trade relates to the United States.
• Presidential Proclamation – US – Singapore Free Trade Agreement – A letter directly from the Office of the Press Secretary, showing the current state of free trade within the US.

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If you have ever heard your parents talking about money, you might have a few questions. How can my money make money? How can I set goals? Does it cost money to invest? Are there any reasons I shouldn’t start saving now? Hopefully you can have all of your questions answered here and you should feel confident joining in the conversation next time!

How can the money you have, make you money later in the future? When you have an account with a bank or savings business, that place has an interest in keeping your money. They cannot keep their business growing unless they have money to use. As a customer to the bank you are allowing them to use your money, on the agreement that they will pay you back whenever you ask for it. For this service the bank offers a small percentile payment of interest, with higher rates for established accounts and those with a lot of money. This means the longer you have your money in the bank, the more interest you will make. So, your money will make you money if you invest it correctly.

Setting goals for investing is a lot of fun. Not only are you preparing yourself for the future, you will learn all about the benefits of saving first hand. Try to set realistic goals, meaning do not think you can save a million dollars if you only put in a dollar a month. Think small to start with and when you get better at savings and see your money grow, you will be more excited about saving more. If you get an allowance start with 10% in savings, then to 20% and so on. You will see how simple it is to really save for important big things. For example, if you get $10 every week from your parents for chores, see how much you can save. Start with just a dollar in savings every week, and then go to two dollars, then to five. You will still have spending money and the small savings will equal a large sum later.

If you start out with a large lump sum, your money will increase faster. As you earn your percentage interest on the total amount of money, it is best to have a large number for as long as possible. This means if in the entire year you put in $100, it is better to invest in January with all the money, allowing it to develop interest. If you chose to do a monthly investment of $10, you would not receive as much money in the long run.

There are many ways you can save money. Some banks allow free savings to kids who want to start early. Although they do not cost anything or are low-cost, banks offer a very low percentage of interest. Mutual funds vary in cost, but are usually paid according the percentage of investment. They are a great way for kids to invest, as they offer a higher percentage rate in the long run. Mutual funds can also cost a lot for transactions, for when you want to move money, invest more or take out money. Because of this, mutual funds should be used for long-term investments, like your college education or a future home. Stocks in the stock market can be used long or short-term. This form of investment can vary on cost, depending on the company and how many shares you want to buy. If you want to learn about the stock market, try out investing games where you can practice using real stocks with fake money. Stock market investing is the most risky, but it has the most potential for profit.

Some words are used a lot in savings and stocks. Asset is commonly used to explain value; they can be both money and property. Capital is how much money or property you have, or the combination of all of your assets. Credit, like a credit card is how much money that is loaned. So, if you have credit card and use it for a purchase, you are using credit. Your credit rating can determine what your credit allowance can be. Deposit means to pay into something, meaning money into a bank or an investment in the stock market. Withdrawal means to take money out, the opposite of a deposit. Your parents may have a monthly payment called a mortgage. If they have bought the house through a bank, they may have borrowed or used credit to buy the house. So, every month they have to pay the bank back in payments called a mortgage. Profit means that once a house, stock or fund has been cashed out or sold, money was made from it. If you put in $10 to a stock and after time the stock matured to $12, if you sold you would have a two dollar profit. If the investment loses money, it would be considered a loss.

It is important to start saving as soon as possible, as the longer your money has to mature the more likely you will make a profit. Try to make reasonable goals and set money aside every month toward big expenses like your education or home. Savings and stocks can be a lot of fun. Try out the following games on investing and money to learn more!

• Learning Bank
• Investing For Kids
• Consumer Jungle
• The Stock Market Game
• Test Your Money $marts
• Fun for Kids
• Kids Zone
• The Role of Money, Banking, Saving, and Credit
• Kid$Inve$t
• Money Flashcards
• Spending Spree
• Change Maker
• Simple Interest
• Counting Money
• The Joy of Saving
• The History of Money
• Take-Home Activity Guide: Moneyville
• Ed’s Bank
• Escape from Knab
• The Centstables
• Planet Orange
• H.I.P. Pocket Change
• Savings Quiz
• Financial Soccer
• Where Kids Learn to be Smarter Consumers
• MoneySkill
• Show Me the Future
• FedVille
• Mad Money
• Savings Calculator

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