Raising Money Smart Kids: What They Need to Know about Money and How to Tell Them (Kiplinger's Personal Finance) Review

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(More customer reviews)With each generation the children seem to have more money available to them than their parents. With this should come responsibility and learning how to spend or save wisely. The problem is that most just learn to spend as soon as they get it, get it by begging parents or an allowance with no responsibilities involved or similar. Enter Janet Bodnar, deputy-editor of Kiplinger's Personal Finance, mother of three, and writer of the Money Smart Kids column in Kiplinger Magazine. This is not a collection of hard and fast rules to force good finance habits onto kids but a framework within which parents can use good common sense to handle any situation. The book starts with a quiz to test your money smarts. This quiz is excellent and presents most of the potential situations you are likely to encounter with children and money. The author even includes examples of questions kids ask and how to answer them. One of the insightful sections is one on how kids think about money and how to deal with these concepts from preschool to teenager. Ms. Bodnar even includes a fascinating chapter on questions and answers about money's history, composition, and dozens of other miscellaneous facts. Prepare your children to know how to deal with money when they are grown. Raising Money Smart Kids is highly recommended.

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Voyaging On A Small Income Review

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(More customer reviews)For anyone thinking of setting off for an extended period of small boat cruising (or voyaging, as Annie more accurately calls it), and not starting with a 6, or even 5 figure bank balance, this book is essential reading. It describes a philosophy of living very different from that maybe experienced before on a cruising holiday, weekend sailing, or even daily life. It starts from the point of view that long term, live-aboard life is both possible and sustainable, providing certain perspectives are adopted. These include rejecting any item of equipment not capable of extended, reliable, cost-effective performance on board a boat (this for example rules out most modern electronics, for entirely sensible and logical, rather than `back to mother nature' reasons), selecting, buying, storing and preparing food from the point of view of where you are, what's available, and how long you may be at sea, and most importantly, managing your limited finances using the most rigorous criteria possible.
Here, Annie applies the basic principles of sound commercial management to all financial decisions (is this a better buy than that over time? can I buy now and save later?) and demonstrates a complete and intuitive grasp of what in the parlance of modern management theory would be called `Total Cost of Ownership Investment Appraisal' - a valuable object lesson for many senior management in some of the largest corporations. She writes about it in her own unique and forthright style, clearly based on many years of real experience, that demands attention and respect.
This is not a `go there, do that, buy the t-shirt' kind of sailing book, but for anyone seriously contemplating long term voyaging on a small budget, or simply wanting a unique insight into an alternative lifestyle from the comfort and security of their armchair, and brave enough to venture past the warning on the cover that this might cause you to challenge some of your most basic beliefs in what passes for `normal' existence, Voyaging on a Small Income, as a useful reference source or a good read, is a must.

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Maintaining that there is little preventing one from cruising the world by boat, this book provides practical ideas for turning one's dreams of life at sea into reality, with suggestions for preplanning and simplifying one's life.

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